Moodeng Academy

Guides

Everything you need to borrow with confidence — how Credit Levels grow, what your Trust Score means, and how USDC loans work.

How to Request Your First Loan

Follow these streamlined steps to initiate your first loan request on Moodeng Credit. You can also view a video…

Your Trust Score reflects how reliably you repay loans on Moodeng Credit. It rises with every on-time repayment and…

Credit Levels determine how much you can borrow at a time. Everyone starts at Level 1 with a $15 limit. As you…

Moodeng Credit supports two kinds of loans: Trust-Building Loans are smaller loans below your current limit. They…

Every repayment for either Credit-Building or Trust-Building loans directly impacts your Trust Score (TS), which…

Submitting your repayment on or before the scheduled deadline is the most effective way to strengthen your standing…

To repay, send the required USDC amount to the repayment address shown in Moodeng (the Repay screen shows the exact…

Your Moodeng wallet works with USDC on the Base network. Besides the in-app options (card purchase and bridging from…

You can withdraw by sending your USDC to a supported exchange or service, selling it there, and transferring the…

All loans on Moodeng Credit are denominated in USDC — a regulated stablecoin pegged 1:1 to the US dollar. Using USDC…

To keep Moodeng safe and fair, all borrowers complete a short one-time identity verification. This protects the…

Your account is tied to your wallet, so wallet security is account security. From the Account screen, you can update…