> ## 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.

# Quickstart

> Get started with usmewe in 5 minutes

# Quickstart Guide

Get up and running with usmewe in just a few steps.

## Prerequisites

<Check>A smartphone or computer with internet access</Check>
<Check>A Google account (for authentication)</Check>
<Check>Optional: A few friends to become your Guardians</Check>

## Step 1: Create Your Account

<Steps>
  <Step title="Visit the App">
    Go to [web.usmewe.com](https://web-production-c1f2a.up.railway.app) or download the mobile app
  </Step>

  <Step title="Sign In with Google">
    Click "Continue with Google" to create your account. We use Supabase Auth for secure authentication.
  </Step>

  <Step title="Complete Your Profile">
    Add your display name and profile picture. This helps your friends recognize you.
  </Step>
</Steps>

<Info>
  A smart wallet is automatically created for you using account abstraction. No seed phrases to remember!
</Info>

## Step 2: Understand Your Trust Score

Your **Trust Score** (0-100) determines how much you can borrow. New users start with a base score.

```
Trust Score Components:
├── Seniority: +1 point/month (max 12)
├── Repayments: +2 points per on-time repayment (max 40)
├── Volume: Based on transaction history (max 20)
├── Social: +5 per guardian (max 15)
└── Level: XP-based bonus (max 13)
```

<Card title="Learn More" icon="chart-line" href="/core-concepts/trust-score/algorithm">
  Dive deep into the Trust Score algorithm
</Card>

## Step 3: Add Guardians

Guardians are trusted contacts who vouch for you, increasing your Trust Score.

<Steps>
  <Step title="Invite Friends">
    Send invite links to trusted friends and family
  </Step>

  <Step title="Accept Guardianship">
    When they accept, they become your Guardians
  </Step>

  <Step title="Boost Your Score">
    Each Guardian adds +5 points to your Trust Score (max 3 Guardians)
  </Step>
</Steps>

<Warning>
  Choose your Guardians wisely! They can help recover your Social Vault if needed.
</Warning>

## Step 4: Fund Your Wallet

Add USDC to your wallet to start using usmewe:

<Tabs>
  <Tab title="Card Payment">
    Use Coinbase Pay or Transak to buy USDC directly with your credit/debit card.

    1. Go to **Wallet** > **Add Funds**
    2. Select your payment method
    3. Enter the amount
    4. Complete the purchase
  </Tab>

  <Tab title="Crypto Transfer">
    Transfer USDC from another wallet:

    1. Go to **Wallet** > **Receive**
    2. Copy your BASE wallet address
    3. Send USDC (BASE network) to this address
  </Tab>
</Tabs>

## Step 5: Explore Features

<CardGroup cols={2}>
  <Card title="Request a Loan" icon="money-bill-transfer" href="/guides/users/request-loan">
    Borrow USDC based on your Trust Score
  </Card>

  <Card title="Stake in Vault" icon="vault" href="/guides/users/stake-vault">
    Earn 5-10% APY on your USDC
  </Card>

  <Card title="Setup Social Vault" icon="shield" href="/guides/users/setup-social-vault">
    Protect funds with timelock and guardians
  </Card>

  <Card title="Split Bills" icon="receipt" href="/guides/users/split-bills">
    Use OCR to split expenses with friends
  </Card>
</CardGroup>

## Borrowing Limits

Your Trust Score determines your borrowing capacity:

| Trust Score    | Max Duration | Max Limit |
| -------------- | ------------ | --------- |
| 0-30 (New)     | 7 days       | \$20      |
| 31-50          | 14 days      | \$50      |
| 51-70          | 30 days      | \$100     |
| 71-85          | 60 days      | \$200     |
| 86-100 (Elite) | 90 days      | \$500     |

## Next Steps

<CardGroup cols={3}>
  <Card title="Trust Score Deep Dive" icon="star" href="/core-concepts/trust-score/overview">
    Master the scoring system
  </Card>

  <Card title="Smart Contracts" icon="file-contract" href="/smart-contracts/overview">
    Explore the protocol
  </Card>

  <Card title="API Docs" icon="code" href="/developers/api-reference/overview">
    Build integrations
  </Card>
</CardGroup>

***

<Tip>
  **Pro Tip:** Repay loans on time to quickly boost your Trust Score and unlock higher limits!
</Tip>