Core Concepts
usmewe is built on four interconnected systems that work together to create a trustless, trust-based lending platform.
The Four Pillars
Trust Score
The algorithmic credit score that determines borrowing power based on behavior, not collateral.
Trust Vault
The liquidity pool where users stake USDC to earn yield and enable protocol lending.
Social Vault
Personal anti-kidnapping protection with timelock, multi-sig, and duress features.
P2P Lending
Direct peer-to-peer loans between users with flexible terms.
How They Connect
Key Principles
Trust Over Collateral
Trust Over Collateral
Traditional DeFi requires over-collateralization (e.g., deposit 100). usmewe flips this model - your Trust Score IS your collateral. Higher scores unlock larger loans with no locked assets.
Social Security
Social Security
Risk Distribution
Risk Distribution
The Insurance Pool collects 10% of each transaction to cover defaults. This socializes risk across all users, protecting stakers from individual defaults.
Progressive Trust
Progressive Trust
New users start with low limits (500 over 90 days.
Quick Reference
| Concept | Purpose | Key Metric |
|---|---|---|
| Trust Score | Determines borrowing power | 0-100 points |
| Trust Vault | Protocol liquidity + yield | 5-10% APY |
| Social Vault | Personal asset protection | 24-72h timelock |
| P2P Lending | Direct peer loans | Flexible terms |
| Insurance Pool | Default protection | 10% fee |
| Guardians | Social collateral | Max 3 per user |
Next Steps
Understand Trust Score
Learn the algorithm that powers your creditworthiness
Explore Trust Vault
Discover how to earn yield and borrow
Setup Protection
Configure Social Vault for maximum security