01
A borrower opens a Tab
The Tab states the requested CREDIT, repayment promise, backers, Avalists, and endorsements.
Vault-backed social credit
UseTab
Credit, tamed.
Open a Tab, fund real people, back a borrower, avalize risk, and turn visible repayment into earned trust. UseTab is premium credit infrastructure for small commitments with sharp incentives.
MVP experiment
5 small $20 Tabs
Visible trust
Backers
Real stakes
Avalists
Clean yield
Lenders
Small Tabs. Real repayment. Visible trust. The first loop is intentionally simple: prove behavior, route fees, and let CREDIT move where trust is earned.
47
Borrowers
people with access paths
18
Backers
social support posted
7
Avalists
slashable reliability support
5
Lenders
liquidity providers funding Tabs
2
Endorsers
reputation-based trust providers
23
Active Tabs
currently open across UseTab
1,240 CREDIT
Platform Outstanding Tabs
whole-platform exposure, not a user's personal debt
89
Completed Tabs
closed with history recorded
96.7%
Repayment Rate
mock repayment performance
How Tabs Work
A Tab is not a loan ad. It is a visible credit promise.
Borrowers do not disappear into a faceless pool. Each Tab has context, a route, and consequences. The point is to start small, observe repayment, and let the network price the next step with better information.
02
Vaults decide the route
Lender liquidity, slashable support, and reputation signals combine into a visible access path.
03
Repayment moves value
Fees route back to lenders, Avalists, Endorsers, and the surrounding support network.
Vault Roles
Your network does not just borrow.
It backs, avalizes, endorses, funds, and earns. A single user can wear multiple hats, but every hat has a different obligation surface.
Vaults hold the teeth.
Slashable support and lending liquidity sit in vaults, so trust is backed by visible stakes instead of vague optimism.
Avalists carry consequence.
An Avalist earns because they post support that can be slashed when reliability breaks.
Open a Tab
Borrower
Requests a small amount of CREDIT with visible backing, terms, and repayment history.
Tabs start small so behavior can build trust before larger access is earned.
Fund real people
Lender
Supplies liquidity to approved Tabs and earns lender fees when repayment lands.
Vault capital routes toward accountable borrowers instead of anonymous yield theater.
Back a borrower
Backer
Supports borrower access with relationship-based confidence and aligned incentives.
Backers help turn a private network into useful financial reputation.
Avalize risk
Avalist
Posts slashable support or collateral for borrower reliability.
Avalists earn for taking real accountability, not for waving a decorative badge.
Reputation becomes capital
Endorser
Adds reputation-based trust that helps the network price access and reliability.
Endorsements are social signal with consequences, not empty likes.
Fee And Vault Routing
CREDIT moves where trust is earned.
The mock platform has generated 611 CREDIT in fees. The split is explicit: lender fees for capital, Avalist fees for slashable accountability, Endorser fees for reputation that changes access.
611 CREDIT
Total Fees Generated
310 CREDIT
Borrower Rewards Created
67 CREDIT
Backer Earnings
497 CREDIT
Community Wealth Created
Total Fees Generated
611 CREDIT
Lender Fees Earned491 CREDIT
Avalist Fees Earned78 CREDIT
Endorser Fees Earned42 CREDIT
491 + 78 + 42 = 611. The math stays legible because social credit becomes dangerous when nobody can see where value and risk went.
CreditChain Positioning
The app is UseTab. The settlement layer becomes CreditChain.
CreditChain deserves its own chain because accountable credit has different needs than loyalty tokens or game betting. TokenChain stays for loyalty. WoloChain stays for AoE2 betting. CREDIT and ucredit belong to this credit network.
UseTab.ca
User-facing app and future dapp
CreditChain
Future protocol and settlement chain
CREDIT
Intended unit of account
ucredit
Future base denom
TokenChain
Loyalty tokens only
WoloChain
AoE2 betting only
Run the first proof: five small Tabs, clean repayment, visible trust.
The first UseTab experiment should be simple enough to understand and serious enough to matter: five $20 Tabs, real backers, optional Avalists, visible fees, and a repayment record that can become future access.