🤝 2 guarantors required

At least 2 cooperative members must have trusted your Circles address. This is checked live on Gnosis Chain — no manual approval needed.

📊 Credit score ≥ 30

Build your score by contributing on time. Start at 50, gain +2 per contribution, +10 per repaid loan.

💰 Within pool balance

You can only borrow up to 3× your contribution × cycles paid, and the pool must have enough.

⏱ 30-day repayment

Repay in full within 30 days. On time = +10 credit. Late = −5 credit.