Using Credie

This section explains how users interact with the Credie protocol to evaluate scores, borrow assets, repay loans, and improve their credit over time.

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📥 Borrowing Funds

🧾 Requirements

• ✅ Connected wallet

• ✅ Credie Score above 400

• ✅ No active defaulted loans

Note: Your score is determined automatically from wallet history and risk profile, no applications required.

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🚀 Steps to Borrow

Visit https://credie.org/borrow once you've been approved on our waitlist.
2. Select an available Loan Vault
3. Choose desired amount (within your limit)
4. Approve the transaction

The funds are sent directly to your wallet. Interest and repayment terms vary per vault.

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🏦 Loan Vault Types

Vault Name	Interest Rate	Max Term	Description
FlexVault	3% APR	30 days	For short-term liquidity, no lockups
SafeYield Vault	1.5% APR	60 days	Backed by stable assets, ideal for new users
RiskMod Vault	Dynamic	90 days	Higher limits with variable AI-adjusted APR

💡 Vaults are smart contracts. You can exit early with partial repayment any time.

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💰 Repaying Loans

You can repay your loan anytime through the dashboard at credie.org.

Navigate to your Loan Panel once you've been approved on our waitlist
2. Click 'Repay'
3. Approve transaction

Partial payments are allowed. Early repayment increases your score.

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📈 Score Improvement Tips

Boost your Credie score by:

• 🔁 Maintaining a good repayment track record

• 🔗 Linking multiple wallets for composite history

• 📊 Increasing on-chain activity (swaps, staking, etc.)

• 🔒 Avoiding defaults, even small ones impact score

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💬 Example Interaction

Wallet: 0xAbc...123
Credie Score: 674 🟡
Borrow Limit: $1,100
Vaults Available: ✅ FlexVault | ✅ RiskMod

[Borrow $400 from RiskMod Vault]
[View Repayment History]

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⚠️ Defaults & Consequences

Failing to repay on time will:

• ⛔ Temporarily freeze your credit limit

• 📉 Reduce your Credie Score

• 🗓 Mark your address in a decentralized default registry

Your score can recover over time with consistent good behavior.