Lending 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🔀 Pool Types
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%
🛠 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📊 Real-time Pool Dashboard (Sample)
Name: Open USDC Pool
TVL: $4,320,000
Utilization: 86.5%
Average Borrower Score: 711
Net APR to Lenders: 8.3%
Loss Reserve Ratio: 6%🔄 Yield Distribution
Yield generated from repayments is distributed:
✅ To liquidity providers (pro-rata)
✅ To protocol treasury
✅ To $CREDIE stakers in staking pools
Yield Distribution Breakdown
"Lenders" : 70
"Credie Treasury" : 20
"$CREDIE Stakers" : 10🔐 Risk Mitigation Strategies
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
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