KreditScore, KreditLine & P2P lending

Your Koins-behavior score, computed server-side from real activity. Before the first server computation the page shows a clearly-labeled provisional estimate and requests a recompute automatically. A score of 401+ plus 100 Koins of history gates lending.

An admin-approved credit line (~12% p.a.). Apply from the Line tab; approval, disbursement and repayments all run server-side and appear in your ledger. The limit, available and status figures show "—" until your real record loads; if it cannot be read, the page says so and applying is temporarily disabled rather than showing made-up numbers.

Request a loan on the marketplace or fund someone else’s. Funding, repayment and cancellation are server-processed; listings expire automatically.

Every Kredit surface carries the same disclosure, enforced server-side: loan principal, disbursements and interest always arrive as spendable Koins. They never increase your cashable (earned) balance and are never convertible to Kash — borrowing or lending cannot create withdrawable money.

Eligibility and terms: KreditScore 401+ with 100 Koins of lifetime history gates lending; P2P rates are agreed between peers within the platform band, and KreditLine runs at ~12% p.a. with admin approval.

Like cash-out, lending is gated behind a platform-wide switch. Until lending goes live, new loan requests, approvals, funding and disbursements are rejected with a "lending not live" notice — repayments of existing loans are always allowed so no one is ever stuck in debt because of the gate. Your KreditScore keeps computing normally in the meantime.

The Line and P2P tabs show a "Coming Soon" banner while the switch is off: application and funding controls are visibly disabled up-front (instead of failing on submit), the marketplace stays browsable, and repayment buttons always work.