Start here
Borrow Wizard
Answer a few questions about amount, duration, collateral, and vouches. The wizard points you toward the right route: Credit Passport, Pool Borrow, P2P, or Micro Loans.
Try the Wizard->
uLendMe Guide
One lending app for borrowing, earning, collateral, and credit.
uLendMe is built around a simple idea: start with the loan route that fits today, then let repayment history help you climb toward more borrowing power over time.
Borrow
Use the wizard, borrow from pools, negotiate P2P terms, or start with microloans.
Earn
Deposit into lending pools or stake into insurance to earn from borrower activity.
Build credit
Repay on-chain, collect vouches, sync reputation, and work toward larger limits.
Borrowing routes
Choose the path that matches your needs
uLendMe gives borrowers several ways to access capital. The Borrow Wizard is the fastest way to pick between them.
Credit ladder
Micro Loans
Small, vouch-backed loans for borrowers who are building repayment history. Pay on time to move toward higher limits over time.
View Micro Loans->
Custom terms
P2P Loans
Borrowers and lenders can negotiate amount, APR, duration, collateral, and counterparty instead of using only pool terms.
Open P2P->
Instant liquidity
Pool Borrow
Collateralized borrowing from automated pools when you want a faster route and do not need custom negotiation.
Borrow from Pools->
App map
Where each part of the app fits
The landing page is only the front door. These are the main areas you will use once you start lending, borrowing, or building credit.
Dashboard
Your command center for net position, interest earned, interest owed, health factor, active positions, onboarding, and reputation progress.
Earn
Deposit into lending pools to earn borrower-paid yield, or stake into insurance pools to earn premium income for underwriting risk.
Borrow
Choose between Credit Passport, Pool Borrow, P2P, and Micro Loans depending on your collateral, vouches, and timeline.
Portfolio
Track what is earning, what is owed, what is locked as collateral, and what is staked in insurance.
Reputation
View your score, tier, reputation NFT, vouches, and borrowing limits. Repayments help your profile grow; defaults hurt it.
RWA
Tokenize approved real-world assets, such as invoices or receivables, as NFT collateral for lending flows.
FAQ
Common questions
A practical overview of how uLendMe works and where to go next.
What is uLendMe?+
uLendMe is an all-in-one lending app on Solana. It brings together microloans, pooled lending, peer-to-peer loans, real-world asset collateral, insurance, and on-chain credit history.
Why does uLendMe focus on microloans?+
Microloans give new borrowers a realistic first step. Instead of requiring a long credit history on day one, uLendMe lets borrowers start small, repay on-chain, and build a track record that can unlock larger loans later.
What is the credit ladder?+
The credit ladder is the path from smaller loans to larger borrowing limits. Repayments, vouches, attestations, and loan outcomes feed into a portable profile that helps determine what you can access next.
What does the Borrow Wizard do?+
The Borrow Wizard asks about your loan amount, duration, collateral, and reputation status. It then recommends the route that makes the most sense: Credit Passport, Pool Borrow, P2P, or Micro Loans.
When should I use Pool Borrow?+
Use Pool Borrow when you have collateral and want faster liquidity from an automated pool. It is the simplest collateralized route when you do not need custom negotiation.
When should I use P2P lending?+
Use P2P when terms matter. It is designed for custom amount, APR, duration, collateral, and counterparty selection.
What is a Credit Passport loan?+
Credit Passport is a first-time pilot credit route. It is designed to help eligible borrowers begin building on-chain repayment history before moving into larger or more customized products.
How do vouches work?+
Vouches let established users back another borrower through credit lines. They help support undercollateralized or microloan flows, but they also introduce responsibility for the voucher.
How do I improve my reputation?+
Repay loans on time, get vouched by trusted users, vouch responsibly, and keep your loan outcomes healthy. Defaults reduce your score.
What is the reputation NFT?+
The reputation NFT is a portable on-chain credit artifact. It can reflect your score and tier, and can be synced as your reputation changes.
Can I lend instead of borrow?+
Yes. The Earn area routes lenders into pool deposits and insurance staking. Pool lenders earn borrower-paid yield; insurance stakers earn premiums for underwriting risk.
What is the insurance pool?+
The insurance pool holds underwriting capital. Stakers can earn premium yield while helping cover loan risk across supported products.
What can I see in Portfolio?+
Portfolio brings together your lender deposits, borrower loans, collateral, insurance stake, bridge tools, strategies, and detailed positions.
What are real-world assets in uLendMe?+
Real-world assets are approved off-chain assets represented on-chain, such as tokenized invoices or receivables. uLendMe supports using them as NFT collateral in lending flows.
Why Solana?+
Small loans and frequent repayments need low-cost settlement. Solana keeps microloans, escrow, repayment, and custom lending flows practical on-chain.
Is the app custodial?+
The app is wallet-based. You connect a Solana wallet and interact with on-chain programs. Loan collateral is handled by protocol escrow rules rather than a traditional account system.
What should I do first?+
If you are not sure where to start, use the Borrow Wizard. If you already know your role, go to Earn to lend or Borrow to choose a loan route directly.
Not sure which route to take?
The Borrow Wizard can turn your needs into a personalized loan route in a few steps.