Build Credit.
Together.
Decentralized lending circles on Stellar. Contribute, earn trust, unlock opportunity.
3 Smart Contracts · Stellar Testnet · Open Source
How it works
Verify & Connect
Bind your identity to a Stellar wallet. One account, one person, fully verified.
Join a Circle
Pool funds with trusted members each period. Everyone contributes, everyone benefits.
Build Your Score
Every on-time payment strengthens your credit. Your history lives on-chain, transparent and portable.
What makes Halo different
On-Chain Credit Score
300-850 score calculated from your payment history, circle completion rate, and contribution consistency. Fully transparent, fully verifiable, stored on Stellar.
Sybil Resistant
One wallet per verified identity. No duplicates, no gaming the system.
Gas-Free Transactions
Fee sponsorship for new users. Start building credit without needing crypto upfront.
Open Protocol
Smart contracts on Stellar, composable with any DeFi protocol. Build on top of Halo or integrate credit scores into your own application.