> ## 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.

# Borrowing Limits

> How your Trust Score determines your borrowing power

# 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](/core-concepts/trust-score/levels-xp) applies a multiplier to your base limits:

```typescript theme={null}
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

<Tabs>
  <Tab title="New User">
    ```
    Trust Score: 25 (New tier)
    Level: Bronze

    Base Limit: $20
    Multiplier: 1.0

    Effective Limit: $20
    Max Duration: 7 days
    ```
  </Tab>

  <Tab title="Established User">
    ```
    Trust Score: 65 (Established tier)
    Level: Gold

    Base Limit: $100
    Multiplier: 1.25

    Effective Limit: $125
    Max Duration: 30 days
    ```
  </Tab>

  <Tab title="Elite User">
    ```
    Trust Score: 92 (Elite tier)
    Level: Diamond

    Base Limit: $500
    Multiplier: 2.0

    Effective Limit: $1,000
    Max Duration: 90 days
    ```
  </Tab>
</Tabs>

## Utilization

You can have multiple active loans, but your total borrowed amount cannot exceed your effective limit:

```typescript theme={null}
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;
}
```

<Warning>
  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.
</Warning>

## 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 |

<Note>
  P2P lenders can choose to lend to users regardless of their Trust Score, but they assume the full risk.
</Note>

## Increasing Your Limits

<Steps>
  <Step title="Repay On Time">
    Each on-time repayment adds +2 points to your Trust Score
  </Step>

  <Step title="Add Guardians">
    Each Guardian adds +5 points (max 3 Guardians = +15 points)
  </Step>

  <Step title="Level Up">
    Earn XP to reach higher levels with better multipliers
  </Step>

  <Step title="Build History">
    Time and consistent activity increase your seniority and volume scores
  </Step>
</Steps>

## API Reference

Check a user's current limits:

```bash theme={null}
curl -X GET "https://api.usmewe.com/v1/users/{userId}/limits" \
  -H "Authorization: Bearer YOUR_TOKEN"
```

Response:

```json theme={null}
{
  "userId": "user_123",
  "trustScore": 65,
  "level": "Gold",
  "limits": {
    "maxAmount": 125,
    "maxDuration": 30,
    "currentBorrowed": 50,
    "available": 75
  }
}
```

<Card title="Full API Docs" icon="code" href="/developers/api-reference/trust-score">
  Explore all Trust Score API endpoints
</Card>