Build Credit
Through Community
Join lending circles, make contributions, and build a verifiable credit score on the Stacks blockchain. Access financial opportunities you deserve.
Everything You Need
A complete platform for building credit through traditional lending circles, powered by blockchain technology.
Lending Circles
Join or create circles with 3-10 members. Contribute regularly and take turns receiving the pooled funds.
Credit Score
Build your on-chain credit score from 300-850 based on payment history, circle completion, and more.
Secure & Private
One-time wallet binding with sybil resistance. Your identity is verified but your data stays private.
How It Works
Get started in minutes with these simple steps
Sign Up & Verify
Create your account with Google or GitHub and verify your identity to join the Halo Protocol community.
Connect Wallet
Link your Leather or Xverse wallet. This binding is permanent and ensures one account per person.
Join or Create a Circle
Find an existing circle to join or create your own with custom contribution amounts and schedules.
Contribute & Build Credit
Make your contributions on time. Each payment builds your credit score and brings you closer to your payout.
Ready to Build Your Credit?
Join thousands of users building verifiable credit scores through community lending.
Get Started Free