> ## 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.

# FAQ

> Frequently asked questions about usmewe

# Frequently Asked Questions

## General

<AccordionGroup>
  <Accordion title="What is usmewe?">
    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.
  </Accordion>

  <Accordion title="Is usmewe a bank?">
    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.
  </Accordion>

  <Accordion title="What blockchain does usmewe use?">
    usmewe runs on BASE, an Ethereum Layer 2 blockchain developed by Coinbase. BASE offers fast, low-cost transactions while maintaining Ethereum's security.
  </Accordion>

  <Accordion title="Do I need crypto experience to use usmewe?">
    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.
  </Accordion>
</AccordionGroup>

## Trust Score

<AccordionGroup>
  <Accordion title="How is my Trust Score calculated?">
    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](/core-concepts/trust-score/algorithm) for the full algorithm.
  </Accordion>

  <Accordion title="How can I increase my Trust Score?">
    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.
  </Accordion>

  <Accordion title="What happens if I miss a payment?">
    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.
  </Accordion>
</AccordionGroup>

## Borrowing & Lending

<AccordionGroup>
  <Accordion title="How much can I borrow?">
    Your borrowing limit depends on your Trust Score and level. New users can borrow up to $20 for 7 days. Elite users (Trust Score 86+, Diamond level) can borrow up to $1,000 for 90 days.
  </Accordion>

  <Accordion title="What's the interest rate?">
    Interest rates are variable based on vault utilization, typically ranging from 0-5% APR. Rates are always shown before you confirm a loan.
  </Accordion>

  <Accordion title="Can I borrow without any credit history?">
    Yes! New users can borrow small amounts (\$20) immediately. As you build your Trust Score through repayments, your limits increase.
  </Accordion>

  <Accordion title="What's the difference between Trust Vault and P2P loans?">
    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.
  </Accordion>
</AccordionGroup>

## Staking & Yield

<AccordionGroup>
  <Accordion title="What yield can I earn?">
    Stakers in the Trust Vault typically earn 5-10% APY, depending on vault utilization. Higher utilization = higher rates.
  </Accordion>

  <Accordion title="What are the risks of staking?">
    Main risks include smart contract risk (mitigated by audits), default risk (80% covered by Insurance Pool), and liquidity risk (high utilization may delay withdrawals).
  </Accordion>

  <Accordion title="Can I withdraw anytime?">
    Generally yes, but during high utilization (>95%), withdrawals may be delayed until liquidity is available. There's no lock-up period.
  </Accordion>
</AccordionGroup>

## Social Vault

<AccordionGroup>
  <Accordion title="What is the 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.
  </Accordion>

  <Accordion title="Why would I use the Social Vault?">
    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.
  </Accordion>

  <Accordion title="What if I need emergency access?">
    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.
  </Accordion>
</AccordionGroup>

## Account & Security

<AccordionGroup>
  <Accordion title="What happens if I lose my phone?">
    Your account is secured by Supabase Auth (Google OAuth). Simply sign in on a new device. Your smart wallet is recovered automatically.
  </Accordion>

  <Accordion title="Is usmewe safe?">
    We take security seriously. Our smart contracts are audited, we have a bug bounty program, and we've passed penetration testing. See our [Security](/security/overview) documentation.
  </Accordion>

  <Accordion title="Is my data private?">
    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.
  </Accordion>
</AccordionGroup>

## Technical

<AccordionGroup>
  <Accordion title="How do gas fees work?">
    You never see gas fees. usmewe uses account abstraction (ZeroDev) to bundle and subsidize gas. Service fees cover these costs.
  </Accordion>

  <Accordion title="Can I integrate with usmewe?">
    Yes! We have a full API and SDKs for JavaScript and React. See our [Developer Documentation](/developers/api-reference/overview).
  </Accordion>

  <Accordion title="Is usmewe open source?">
    Yes, our smart contracts and core algorithms are open source. Check our [GitHub repository](https://github.com/Topxl/UsMeWe).
  </Accordion>
</AccordionGroup>

## Still have questions?

<CardGroup cols={2}>
  <Card title="Join Discord" icon="discord" href="https://discord.gg/usmewe">
    Get help from the community
  </Card>

  <Card title="Contact Support" icon="envelope" href="mailto:support@usmewe.com">
    Reach our support team
  </Card>
</CardGroup>