LendFriend Protocol

Your network is your credit score.

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Overview

LendFriend enables uncollateralized lending by replacing credit bureaus with social relationships. When friends vouch for a borrower—with both capital and reputation—the strength of those connections correlates with repayment.

We measure trust algorithmically, testing whether close friends with small networks signal stronger accountability than distant followers with massive audiences. Every loan records permanently on-chain, creating verifiable reputation that follows borrowers across DeFi.

Today: Zero-interest loans on Farcaster to prove the model works. Tomorrow: Market-rate lending powered by social trust + cashflow data + AI underwriting.

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Vision & Context

• Vision & Roadmap

• Economic Context

• Web3 Cost Advantage

• Research Foundation

Protocol Mechanics

• Social Trust Scoring

• Risk Scoring

• Anti-Gaming & Sybil Resistance

• Smart Contract Flow

• Risk & Default Handling

Infrastructure

• Technical Stack

• Payment Methods

• Farcaster Mini App

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Learn More

• Vision & Roadmap - See how we're building the future of reputation-backed lending

• Economic Context - Why traditional finance can't serve the $1T platform economy

• Web3 Cost Advantage - How crypto infrastructure enables better rates

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Code: github.com/aagoldberg/far-mca • App: lendfriend.org