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A peer-to-peer credit lane where borrowers and lenders agree on terms, interest, and escrow protections. No pooled returns. No hidden yield promises. Just transparent, verifiable settlement.
Borrow directly from other users with transparent pricing and no pooled yield promises.
Repayments route through escrow with DAO arbitration and clear release milestones.
Flashlight interest accrues on drawn balance only, so unused credit stays free.
Select amount, term, and a trusted lender. ProofScore helps price the lane.
Funds move into escrow with clear milestones and an arbitration fallback.
Repayments release escrow automatically. Disputes route to the DAO hub.
Rates are negotiated by borrowers and lenders. VFIDE does not promise returns or profits.
Escalations auto-route to the DAO hub with evidence packs and voting trails.
Timeouts protect both sides with automatic release or refund windows.
Flashlight is a peer-to-peer credit tool. VFIDE does not market profit expectations, pool user funds, or promise returns. Participants set their own terms and remain responsible for local compliance.
Use escrow defaults for new partners, and graduate to instant lanes for trusted repeat borrowers.