> ## Documentation Index
> Fetch the complete documentation index at: https://docs.usmewe.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Core Concepts
> Understanding the fundamental building blocks of usmewe
# Core Concepts
usmewe is built on four interconnected systems that work together to create a trustless, trust-based lending platform.
## The Four Pillars
The algorithmic credit score that determines borrowing power based on behavior, not collateral.
The liquidity pool where users stake USDC to earn yield and enable protocol lending.
Personal anti-kidnapping protection with timelock, multi-sig, and duress features.
Direct peer-to-peer loans between users with flexible terms.
## How They Connect
```mermaid theme={null}
graph TD
A[User] --> B[Trust Score]
B --> C{Borrowing Power}
C --> D[Trust Vault Loans]
C --> E[P2P Loans]
A --> F[Guardians]
F --> B
F --> G[Social Vault]
D --> H[Insurance Pool]
E --> H
```
## Key Principles
Traditional DeFi requires over-collateralization (e.g., deposit $150 to borrow $100). usmewe flips this model - your Trust Score IS your collateral. Higher scores unlock larger loans with no locked assets.
Guardians serve dual purposes: they boost your Trust Score AND can help recover your Social Vault. Your social network becomes your financial safety net.
The Insurance Pool collects 10% of each transaction to cover defaults. This socializes risk across all users, protecting stakers from individual defaults.
New users start with low limits ($20) and short durations (7 days). As they build trust through on-time repayments, their limits increase up to $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
[Learn the algorithm](/core-concepts/trust-score/algorithm) that powers your creditworthiness
[Discover how](/core-concepts/trust-vault/overview) to earn yield and borrow
[Configure Social Vault](/core-concepts/social-vault/overview) for maximum security