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genderlessLending Pools

Credie’s lending pools are the decentralized financial backbone of the protocol — a smart-contract-governed vault system that enables pooled capital to be algorithmically distributed to eligible borrowers based on real-time Credie Scores and pool rules.

🧱 Structure Overview

    Lenders -->|Deposit Capital| PoolA[Credie Lending Pool]
    PoolA -->|Funds Allocated| BorrowerA[Borrower A]
    PoolA -->|Funds Allocated| BorrowerB[Borrower B]
    BorrowerA -->|Repay + Interest| PoolA
    PoolA -->|Yield Distributed| Lenders

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🔀 Pool Types

Pool Type
Description
Access
APR (Target)

Open Pool

Capital from anyone, distributed to top-tier borrowers

Permissionless

4–12%

Staked Pool

Requires lenders to stake $CREDIE for access

Tiered, higher risk/reward

6–20%

Partner Pool

Curated liquidity from DAOs, fintechs, or credit unions

Invite-only

Varies

Local Pool

Geographic or community-based micro pools (e.g., Nairobi, Manila)

Device/social verified

10–25%

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🛠 How Loans Are Matched

    participant User as Borrower
    participant Credie as Protocol
    participant Pool as Lending Pool

    User->>Credie: Request Loan
    Credie->>Credie: Evaluate Score + Signals
    Credie->>Pool: Check available matching capital
    Pool-->>Credie: Approve disbursement
    Credie-->>User: Send loan

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📊 Real-time Pool Dashboard (Sample)

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🔄 Yield Distribution

Yield generated from repayments is distributed:

  • ✅ To liquidity providers (pro-rata)

  • ✅ To protocol treasury

  • ✅ To $CREDIE stakers in staking pools

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🔐 Risk Mitigation Strategies

Mechanism
Description

Over-reputation models

Borrowers earn tiers, not just credit scores

Dynamic APR scaling

APR rises for lower score borrowers or delinquency

Pool segmentation

Isolates risk across borrower types, geographies, or partners

Insurance vaults (coming)

Community-sourced risk insurance for lender peace of mind

PreviousCredie Score System

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