┌─────────────────────────────────────────────────────────────┐
│  STAKERS (Supply)              BORROWERS (Demand)           │
│  Deposit USDC ────────────────► Borrow based on Score       │
│  Receive tmUSDC                 0% collateral required      │
│  Earn yield (~5-10% APY)        Variable rate 0-5%          │
└─────────────────────────────────────────────────────────────┘
                              │
┌─────────────────────────────────────────────────────────────┐
│  INSURANCE POOL (Separate)                                  │
│  ├── Funded by 10% of each transaction                      │
│  ├── Covers 80% of defaults                                 │
│  └── Surplus redistributed to contributors                  │
└─────────────────────────────────────────────────────────────┘

// Example: Staking 1000 USDC
const depositAmount = 1000;
const exchangeRate = 1.0; // Initial rate

const tmUSDCReceived = depositAmount / exchangeRate;
// Result: 1000 tmUSDC

// After 1 year at 8% APY
const newExchangeRate = 1.08;
const usdcOnWithdraw = tmUSDCReceived * newExchangeRate;
// Result: 1080 USDC