Credit that starts with trust.
Join a circle, build your reputation, and access micro-credit in cUSD. Simple, transparent, community-first—on Celo.
Built on Celo
Human Spam resistance
Open-source friendly
Today on Celo Circles
Active Circles
42
Loans Approved
128
Avg Trust Score
86
Total cUSD Flow
₹12.4L
Why circles?
Fair, familiar, and community-powered
Trust-first credit
Your reputation from friends and community helps unlock responsible limits.
Transparent rates
See live APR/APY and health metrics. No surprises, no hidden fees.
Built for mobile
Fast, light, and friendly on any device—because finance should be accessible.
How it works
1
Connect wallet & verify once with Human Passport.
2
Create or join a circle; invite trusted friends.
3
Request, review, and approve micro-loans in cUSD.
4
Repay anytime; your trust grows with good history.
“Feels like borrowing from family, with web3 transparency.”
Our mission is simple: make community credit feel warm and familiar—while keeping it safe, auditable, and fair for everyone.