P2P Lending

P2P (Peer-to-Peer) lending allows users to lend directly to each other with flexible, negotiated terms.

How It Works

┌─────────────┐         ┌─────────────┐
│   LENDER    │         │  BORROWER   │
│             │         │             │
│ Has USDC    │         │ Needs USDC  │
│ Wants yield │         │ Has Trust   │
└─────────────┘         └─────────────┘
       │                       │
       └───────────┬───────────┘
                   ▼
           ┌─────────────┐
           │  P2P LOAN   │
           │  CONTRACT   │
           │             │
           │ • Amount    │
           │ • Duration  │
           │ • Interest  │
           │ • Due Date  │
           └─────────────┘

vs Trust Vault Loans

Feature	P2P Loan	Trust Vault Loan
Source	Individual lenders	Protocol pool
Terms	Negotiated	Algorithmic
Rates	Flexible	Variable (utilization)
Trust Score	Optional check	Required
Risk	Lender bears 100%	Insurance Pool covers 80%

Creating a Loan Request

Navigate to Credit

Go to Credit > Request Loan

Choose P2P

Select “P2P Loan” instead of “Trust Vault”

Set Terms

Specify amount, duration, and interest you’re willing to pay

Post Request

Your request becomes visible to potential lenders

Funding a Loan

Lenders can browse and fund loan requests:

Browse Requests

View open loan requests in the Credit > Lend tab

Review Borrower

Check borrower’s Trust Score, history, and reputation

Fund Loan

Commit your USDC to fund the loan

Track Repayment

Monitor loan status in your portfolio

Risk Considerations

P2P loans are NOT covered by the Insurance Pool. Lenders bear 100% of default risk.

Risk Mitigation

Review borrower Trust Score before lending
Start with small amounts to test borrowers
Diversify across multiple loans
Prefer borrowers with Guardian endorsements

Use Cases

Friend-to-Friend

Lend to friends with trust, not interest

Higher Yields

Negotiate rates higher than Trust Vault

Flexible Terms

Custom durations and repayment schedules

Build Reputation

Successful P2P loans boost Trust Score

API Reference

# Create loan request
curl -X POST "https://api.usmewe.com/v1/loans/p2p/request" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -d '{"amount": 100, "durationDays": 30, "interestRate": 3}'

# List open requests
curl -X GET "https://api.usmewe.com/v1/loans/p2p/requests" \
  -H "Authorization: Bearer YOUR_TOKEN"

# Fund a loan
curl -X POST "https://api.usmewe.com/v1/loans/p2p/fund/{requestId}" \
  -H "Authorization: Bearer YOUR_TOKEN"

Full API Docs

Complete P2P lending API reference

Getting Started

Core Concepts

Smart Contracts

Security

Governance

Resources

SDKs

P2P Lending Overview

P2P Lending

How It Works

vs Trust Vault Loans

Creating a Loan Request

Funding a Loan

Risk Considerations

Risk Mitigation

Use Cases

Friend-to-Friend

Higher Yields

Flexible Terms

Build Reputation

API Reference

Full API Docs

​P2P Lending

​How It Works

​vs Trust Vault Loans

​Creating a Loan Request

​Funding a Loan

​Risk Considerations

​Risk Mitigation

​Use Cases

Friend-to-Friend

Higher Yields

Flexible Terms

Build Reputation

​API Reference

Full API Docs

P2P Lending

How It Works

vs Trust Vault Loans

Creating a Loan Request

Funding a Loan

Risk Considerations

Risk Mitigation

Use Cases

API Reference