┌─────────────────────────────────────────────────────────────────┐
│  1. REQUEST          2. MATCH           3. FUND          4. USE │
│  ───────────────────────────────────────────────────────────────│
│  User submits    →  System finds   →  Funds sent   →  Borrow   │
│  loan request       best rates        instantly       & repay   │
└─────────────────────────────────────────────────────────────────┘

// Check your borrowing eligibility
const eligibility = await usmewe.loans.checkEligibility();

// Response
{
  "eligible": true,
  "maxAmount": 100,
  "maxDuration": 30,
  "currentLoans": 1,
  "trustScore": 56
}

const loanRequest = await usmewe.loans.create({
  amount: 50,
  duration: 14,
  purpose: "Emergency expense"
});

// Response
{
  "requestId": "loan_req_abc123",
  "status": "pending",
  "amount": 50,
  "duration": 14,
  "interestRate": 0.03, // 3%
  "totalRepayment": 51.50,
  "expiresAt": "2024-01-15T12:00:00Z"
}

// Loan funded event
{
  "event": "loan.funded",
  "loanId": "loan_xyz789",
  "amount": 50,
  "netAmount": 45, // After 10% insurance fee
  "walletAddress": "0x...",
  "txHash": "0x...",
  "repaymentDue": "2024-01-29T12:00:00Z"
}

pending → funded → active → repaid
                      ↓
                   overdue → defaulted

await usmewe.loans.cancel("loan_req_abc123");