Borrowing Limits Your Trust Score directly determines how much you can borrow and for how long.
Limit Tiers Trust Score Tier Max Amount Max Duration Interest Rate 0-30 New $20 7 days 5% 31-50 Building $50 14 days 4% 51-70 Established $100 30 days 3% 71-85 Trusted $200 60 days 2% 86-100 Elite $500 90 days 0-1%
Level Multipliers Your level applies a multiplier to your base limits:
function calculateEffectiveLimit ( trustScore : number , level : Level ) : number { const baseLimit = getBaseLimitForScore ( trustScore ); const multiplier = getLevelMultiplier ( level ); return baseLimit * multiplier ; } // Multipliers const multipliers = { Bronze: 1.0 , Silver: 1.0 , Gold: 1.25 , Platinum: 1.5 , Diamond: 2.0 };
Example Calculations New User
Established User
Elite User
Trust Score: 25 (New tier) Level: Bronze Base Limit: $20 Multiplier: 1.0 Effective Limit: $20 Max Duration: 7 days
Trust Score: 65 (Established tier) Level: Gold Base Limit: $100 Multiplier: 1.25 Effective Limit: $125 Max Duration: 30 days
Trust Score: 92 (Elite tier) Level: Diamond Base Limit: $500 Multiplier: 2.0 Effective Limit: $1,000 Max Duration: 90 days
Utilization You can have multiple active loans, but your total borrowed amount cannot exceed your effective limit:
function canBorrow ( user : User , requestedAmount : number ) : boolean { const effectiveLimit = calculateEffectiveLimit ( user . trustScore , user . level ); const currentBorrowed = user . activeLoans . reduce (( sum , loan ) => sum + loan . amount , 0 ); return ( currentBorrowed + requestedAmount ) <= effectiveLimit ; }
If your Trust Score drops (e.g., due to a late payment), your effective limit decreases. You won’t be forced to repay existing loans early, but you won’t be able to borrow more until you’re back under the limit.
Vault vs P2P Limits Limits apply differently to the two loan types:
Loan Type Limit Application Interest Rate Trust Vault Full limit applies Variable (pool rate) P2P Loans Full limit applies Negotiated with lender
P2P lenders can choose to lend to users regardless of their Trust Score, but they assume the full risk.
Increasing Your Limits
Repay On Time
Each on-time repayment adds +2 points to your Trust Score
Add Guardians
Each Guardian adds +5 points (max 3 Guardians = +15 points)
Level Up
Earn XP to reach higher levels with better multipliers
Build History
Time and consistent activity increase your seniority and volume scores
API Reference Check a user’s current limits:
curl -X GET "https://api.usmewe.com/v1/users/{userId}/limits" \ -H "Authorization: Bearer YOUR_TOKEN"
Response:
{ "userId" : "user_123" , "trustScore" : 65 , "level" : "Gold" , "limits" : { "maxAmount" : 125 , "maxDuration" : 30 , "currentBorrowed" : 50 , "available" : 75 } }
Full API Docs Explore all Trust Score API endpoints
