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Frequently Asked Questions

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General

usmewe is a decentralized social credit application that enables peer-to-peer loans based on social trust, not traditional collateral. Think of it as Revolut meets Aave - a seamless fintech experience powered by blockchain.
No. usmewe is a decentralized protocol, not a bank. We don’t hold custody of your funds - they’re secured by smart contracts on the BASE blockchain. We’re not regulated as a bank and don’t provide banking services.
usmewe runs on BASE, an Ethereum Layer 2 blockchain developed by Coinbase. BASE offers fast, low-cost transactions while maintaining Ethereum’s security.
No! usmewe is designed to feel like a regular fintech app. You’ll never see gas fees, seed phrases, or transaction signing. The blockchain is completely invisible to users.

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Trust Score

Your Trust Score (0-100) is based on five factors: account seniority, repayment history, transaction volume, social connections (Guardians), and your XP level. See our Trust Score documentation for the full algorithm.
The fastest way is to repay loans on time (+2 points each). You can also add Guardians (+5 points each, max 3), and earn XP to level up. Consistent activity over time also helps.
Late payments within 7 days result in a -5% score penalty. Defaults (>7 days late) cause a -30% penalty and affect your borrowing ability. Always try to repay on time or communicate early if you’ll be late.

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Borrowing & Lending

Your borrowing limit depends on your Trust Score and level. New users can borrow up to 20for7days.Eliteusers(TrustScore86+,Diamondlevel)canborrowupto20 for 7 days. Elite users (Trust Score 86+, Diamond level) can borrow up to 1,000 for 90 days.
Interest rates are variable based on vault utilization, typically ranging from 0-5% APR. Rates are always shown before you confirm a loan.
Yes! New users can borrow small amounts ($20) immediately. As you build your Trust Score through repayments, your limits increase.
Trust Vault loans come from the protocol’s liquidity pool with algorithmic rates. P2P loans are direct agreements between users with negotiated terms. Both count toward your Trust Score.

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Staking & Yield

Stakers in the Trust Vault typically earn 5-10% APY, depending on vault utilization. Higher utilization = higher rates.
Main risks include smart contract risk (mitigated by audits), default risk (80% covered by Insurance Pool), and liquidity risk (high utilization may delay withdrawals).
Generally yes, but during high utilization (>95%), withdrawals may be delayed until liquidity is available. There’s no lock-up period.

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Social Vault

The Social Vault is an anti-kidnapping protection system for your assets. It includes timelocks (24-72h delays), multi-sig Guardian approval (3/5), and a Duress PIN for coercion scenarios.
If you hold significant crypto assets, you’re potentially a target for physical coercion. The Social Vault adds friction that protects you even if someone forces you to make a transfer.
There is intentionally no emergency bypass - this is by design to prevent coerced “emergency” transfers. Keep everyday funds in your regular wallet and only store long-term holdings in the Social Vault.

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Account & Security

Your account is secured by Supabase Auth (Google OAuth). Simply sign in on a new device. Your smart wallet is recovered automatically.
We take security seriously. Our smart contracts are audited, we have a bug bounty program, and we’ve passed penetration testing. See our Security documentation.
We’re GDPR compliant. Your on-chain activity is public (as with all blockchains), but personal data is encrypted and you have the right to deletion.

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Technical

You never see gas fees. usmewe uses account abstraction (ZeroDev) to bundle and subsidize gas. Service fees cover these costs.
Yes! We have a full API and SDKs for JavaScript and React. See our Developer Documentation.
Yes, our smart contracts and core algorithms are open source. Check our GitHub repository.

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