Why lend

Fund verified workers building credit abroad.

We are starting with Filipinos and Southeast Asians overseas in places where World ID verification is available. Small loans can cover urgent gaps and help borrowers build credit independently.

Start with verified USDC microloans in real worker corridors.

A global dilemma

Help workers build credit away from home.

Overseas borrowers often need modest emergency money while their local credit history stays trapped somewhere else. Moodeng helps repayment become a record they can keep building.

Traditional credit: starts over at zero

A group of people held together in a circular illustration

The problem

Good repayment rarely travels.

That creates a trust gap for borrowers and a missed opportunity for lenders.

Credit gets resetA Filipino or SEA worker can repay responsibly abroad and still have no useful credit record.

Good borrowers disappearLenders cannot easily see the trust signals that should matter for a small emergency loan.

Bad options fill the gapQuick-loan apps step in with pressure, high costs, and little long-term upside.

Our solution

Credit history that can move with a wallet.

Moodeng turns small, transparent repayments into a portable credit record borrowers can keep building, even while working abroad.

Portable wallet historyRepayment activity can travel with overseas workers through their wallet.

Transparent loan behaviorLenders can review onchain repayment signals instead of starting from zero.

Small loans, real signalMicroloans create a practical path for borrowers to build proof over time.

Lender terms

Back real requests with USDC

Every request is settled in USDC, so terms stay simple.

Borrowers set the repayment offer before posting.

You review the story, timeline, and return before choosing to help.

Lender terms

Get Tokens called: IOU

Get up to 25 IOU tokens for lending to first-time borrowers, plus 1 IOU token for every $1 lent!

Lend to 2nd-time borrowers, get 20 IOU tokens, etc.

Lend 5 times, be invited to the Moodeng Credit DAO.

Read IOU docs

These show as IOU points for now. When the airdrop happens, those points help determine token rewards.

Lender terms

Focused Social Impact

You can fund people worldwide to access what they need for their businesses and communities, creating lasting impact where it matters most.

First borrower communities

Meet overseas Filipinos and Southeast Asians building credit abroad.

We are starting with workers and migrants in places where World ID verification is practical, including South Korea, Taiwan, Japan, Singapore, and other Orb-supported cities.

Filipino workersSEA migrantsOrb verifiedUSDC microloans

First markets

PHfirst corridor

Overseas Filipino workers

First

market

Working abroad

Filipinos and Southeast Asians often earn away from home in Korea, Taiwan, Japan, Singapore, and beyond.

Small urgent gaps

A loan may be for a bill, transport, family support, or a short emergency before payday.

Credit does not follow

Repayment discipline abroad rarely becomes a portable credit record they can use later.

What lenders fund

USDC microloans

Small amounts with transparent borrower-proposed terms.

Real repayment history

Each repayment helps create a record the borrower can keep building.

ORBKorea, Taiwan, Japan

Orb-ready corridors

SEA

abroad

World ID access first

We focus where borrowers can verify with World ID through nearby Orb locations.

Korea, Taiwan, Japan

Early borrower communities are likely to be in East and Southeast Asian worker hubs.

Singapore and beyond

Orb availability helps us start with users who can prove they are unique, real borrowers.

Why this matters

Lower trust friction

Verification helps lenders evaluate people they have never met.

Better than quick-loan apps

Transparent loans can help borrowers avoid predatory emergency options.

Start Lending

USDCsmall emergency loans

Portable credit builders

Small

steps

Not huge money

The first loans are intentionally small, useful, and easier to repay responsibly.

Emergency plus progress

A borrower can solve a near-term problem while building a repayment record.

Independent credit

The long-term goal is credit the borrower owns, not a score trapped in one country.

Lender upside

Fund useful moments

Support real needs without pretending every loan is life-changing.

Back repeat borrowers

Good repayment can become a signal for better future access.

World ID verification

Verified humans, clearer lending signals.

Borrowers verify with World ID before they can request loans. That gives lenders a real-person signal without asking borrowers to hand over private documents to Moodeng.

Unique person

One account

Less bot risk

Verified with

World ID

Borrowers prove uniqueness through World App and Orb availability in the markets we support first.

World ID verified

Real-person signal

Borrowers prove they are a unique human through World ID before they can request funding.

Orb-first markets

SEA worker corridors

We start where Orb access is practical, including South Korea, Taiwan, Japan, Singapore, and nearby hubs.

One borrower record

Less repeat-account risk

A verified borrower can build repayment history around one account instead of restarting with every new loan.

Identity layer

World ID is a trust signal, not a loan guarantee.

Verification makes the borrower harder to fake. The credit signal still comes from transparent terms, small USDC loans, and repayment behavior over time.

World ID helps confirm one real person behind each borrower account.
Moodeng can show verification status without storing passport-style documents.
Lenders still evaluate loan terms, history, and repayment behavior before funding.

World ID first

Moodeng vs. TradFi lending

Features

Moodeng

TradFi

Anonymous Lending

Wallet-based lending with usernames means no one knows your identity.

Moodeng

TradFi

Moodeng

TradFi

No Fees for Lenders, Ever

Unlike other platforms, we don't charge lenders any commissions or monthly fees.

Moodeng

TradFi

Moodeng

TradFi

Advanced Security

Protection against VPN-users, scammers, and other malicious actors.

Moodeng

TradFi

Moodeng

TradFi

Borrower Transaction History 100% Transparent

See all past and current loans that borrowers have.

Moodeng

TradFi

Moodeng

TradFi

Recurring Verification to Prove Borrower is Real

Unlike Tradfi apps where accounts are borrowed/shared/sold to family/friends, here there is constant verification of the borrower.

Moodeng

TradFi

Moodeng

TradFi

Data Protected

Web3 wallet-based lending ensures privacy: Your identity stays secure. No cookies, data selling, or spam. Just anonymous transactions.

Moodeng

TradFi

Moodeng

TradFi