A simple walkthrough of the borrower flow. Start here if you want to know what to click, what lenders see, and how repayment grows your limit.
Sign up with email so Moodeng can save your borrower profile, loans, repayments, and credit progress.
Create account
Moodeng CreditEnter the same email you will use for your borrower account.
Verify once to prove you are unique. After that, lenders can trust that your request is tied to one real borrower.
Verify
Prove you are a real person. This is a one-time step before larger borrowing limits.
Verify with World IDCreate or connect your Base Account once so lenders can fund loans directly there and Moodeng can track repayment history.
Create or connect
Create one or connect the Base Account you already use. Moodeng keeps the flow inside the app.
If your request is below your credit limit, it is trust-building. If it is above your credit limit, it is credit-building.
Amount decidesAny request below your $15 credit limit becomes a trust-building loan.
Any request above your $15 credit limit becomes a credit-building loan.
Pick your amount, choose when you will repay, and explain why you need support before posting to lenders.
Your request appears on the board where lenders can review the terms and decide whether to fund it.
Pay back the agreed amount on time. Moodeng tracks repayment progress clearly in your account.
$13 repaid / $18 total
Full-limit loans repaid on time can unlock the next level, helping you build a visible credit record.
Finish the quick check. Score 4 of 5 or better to pass. This is a learning score today, not a live IOU or trust-points balance.
Answer 5 quick questions. Each correct answer earns 2 points toward your Academy score.
