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

Getting Started

Core Concepts

Smart Contracts

Security

Governance

Resources

SDKs

Borrowing Limits

Borrowing Limits

Limit Tiers

Level Multipliers

Example Calculations

Utilization

Vault vs P2P Limits

Increasing Your Limits

API Reference

Full API Docs

​Borrowing Limits

​Limit Tiers

​Level Multipliers

​Example Calculations

​Utilization

​Vault vs P2P Limits

​Increasing Your Limits

​API Reference

Full API Docs

Borrowing Limits

Limit Tiers

Level Multipliers

Example Calculations

Utilization

Vault vs P2P Limits

Increasing Your Limits

API Reference