Communities that produce trust deserve access to capital.
Reputation-collateralized financing: joint-liability groups inside geofenced rooms, where transaction history and community reputation stand in for physical collateral. The Grameen model, rebuilt on digital infrastructure. This is a design, published as paper P-C10 before it is a promise — today it is not built.
Nothing in this layer is implemented
Community Credit is a 2026+ design, published as the formal paper P-C10 before any commercial promise. There is no product to buy, no waitlist that lends, and no balance to draw on — the only thing you can join is the waitlist to be told the day it stops being a paper. Everything below describes a target architecture and the academic theorems that say when it can work — and when it cannot.
The space is the router — and the room is the underwriter.
In our topology, a network resolves into communities, and a community resolves into rooms. A geofenced room is a real polygon with real members, real reputation, and a real transaction history. That is exactly the social unit microfinance has always relied on — only now it is typed, addressable, and measurable.
Joint liability Roadmap
Small groups co-sign for one another inside a room. Peer monitoring replaces the collateral a member does not have — the mechanism Grameen scaled to millions.
Reputation as collateral Roadmap
Community standing and on-platform behavior become the asset at stake. Lose trust and you lose access — which is precisely what makes the trust worth producing.
History, not promises Roadmap
Measured transaction history and reputation scoring — not a paper application — decide eligibility. The signal is the behavior the room already produced.
See the academic basis →What has to exist first.
This layer sits on top of capabilities that are themselves not all finished. We publish the dependency list so the gap is visible, not hidden.
- ✓Active reputation scoring — a measured signal of community standing, the input the whole model depends on.
- ✓Payment rails — the means to actually move funds in and out of a room.
- ✓Measured telemetry (P-E1) — instrumented transaction history that can be evaluated, not asserted.
- ✓A regulatory wrapper — lending third-party funds is a licensed activity. Compatible designs: partnership with a regulated entity, P2P where it is permitted, or closed ROSCA-type mutuals.
The regulatory wrapper is a hard gate
Lending funds that belong to other people is a licensed activity almost everywhere. No deployment ships without a lawful structure underneath it — partnership with a regulated entity, peer-to-peer where the jurisdiction allows, or a closed mutual where members fund each other directly. The model is not the license.
Theorems that say when it works — and rules that say when it doesn't.
Every claim below is grounded in published, peer-reviewed work, each with a DOI in the P-C10 paper. We cite them because the failure conditions matter as much as the success conditions.
| Feature | Advantage | Benefit |
|---|---|---|
| Social collateral — Besley & Coate 🔵 | Group lending can outperform individual lending when members share local information. | A room can extend credit where a traditional lender sees no collateral. |
| Peer monitoring — Stiglitz 🔵 | Members monitor one another more cheaply than an outside lender can. | Lower default risk without expensive external enforcement. |
| Reputation threshold — Nowak & Sigmund 🔵 | Cooperation via reputation is stable only when q > c/b — a measurable bar. | A precise rule for when a room is healthy enough to support credit. |
| Stable matching — Gale-Shapley 🔵 | Groups and counterparties can be paired with no incentive to defect. | Joint-liability groups that hold together instead of unraveling. |
| Score-fairness limits — KMR 🔵 | Formal bounds on what a fairness-constrained score can and cannot guarantee. | Honest limits on the reputation signal, designed in rather than discovered later. |
Why every row is a blue dot
Each glyph above is Roadmap, not Production or Partial — the theorems are proven, the implementation is not. We publish the academic spine now so the design can be judged on its merits, with every DOI in the P-C10 paper, before a single line of the credit engine exists.
Not financial or legal advice
Nothing on this page constitutes financial or legal advice. Community Credit is a research design (P-C10). Any real-world deployment would require its own licensing, jurisdiction-specific legal review, and a regulated structure. Consult qualified professionals before acting on any of it.
The top of a stack you can already see being built.
Community Credit is the furthest-out layer, but it is not free-floating. It composes on top of two products that share its roadmap and its honesty.
Wallet & Token Roadmap
The payment rails and value layer that any room-level financing would move through. The plumbing has to exist before the credit can.
Explore the Wallet →
Super App Roadmap
The composable surface where networks, communities, and rooms live as one experience — the home a credit room would belong to.
See the Super App →The most ambitious layer — published as a paper first.
Read the full design, the theorems, the failure conditions, and the regulatory framing in P-C10. Nothing here is built yet, nothing here lends today, and nothing here is financial or legal advice — the paper comes before the promise.