The Benefits of On-Time Repayments

Submitting your repayment on or before the scheduled deadline is the most effective way to strengthen your standing within the Moodeng Credit ecosystem. All repayments are confirmed on-chain; once the USDC transfer settles, your loan status is automatically updated to "Successfully Repaid." When you repay on time, the following benefits are applied to your profile: - Trust Score Enhancement: Your Trust Score increases for either Credit-Building or Trust-Building loans, reflecting your reliability to the community. - Credit Limit Progression: For Credit-Building loans, your current borrowing limit increases, successfully unlocking the next credit level (e.g., advancing from $15 → $20). - Verified Lending History: Your successful repayment history becomes visible to potential lenders, significantly streamlining the funding process for your future requests. Repayment Scoring Breakdown Your Trust Score (TS) reflects your reliability and determines your future funding success: - On-Time, Full Repayment: Awards the maximum 10 TS. - Partial Repayment: Your score is reduced proportionally based on the amount paid (e.g., 75% = 7 TS; 50% = 5 TS). - Late Repayment: Any payment made after the deadline results in 0 TS, regardless of the amount. - Default: Unpaid loans result in a permanent mark on your public on-chain profile.