Community
Community Bag
Borrow ICP from a shared community vault by locking an XFT as collateral. Repay in about 30 days — or others can claim past-due loans.Live lending book
Vault ICP balance
0 ICP ICP
Available for new community loans
Active loans
…
Open community-funded books
Outstanding
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Principal still owed
Claimable defaults
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Past term, open for claim
Your power → LTV
Connect
Bank power 0–200 · LTV clamps 45–95%
0 · Power
Level up by shipping
Bank power (0–200) sets your community LTV. Good actions raise it; defaults hurt hard. Love costs a little — repayments pay it back.
Power 0/ 200 · LTV 45%Seed 50 if new
Buy an XFT+8
Mint a Lead / label+12
Mint media / pass+6
Launch DAB+15
DAB liquid ≥ 1 ICP+5
DAB liquid ≥ 10 ICP+12
DAB liquid ≥ 100 ICP+25
Repay community loan+10
Default on a loan-25
Give Love / juice-2
1 · Borrow
Borrow against XFT
Post a 1-of-1 XFT you own (with bag preferred) as collateral. Community vault is the lender. Term ~30 days on-chain. Collateral stays in your wallet until default claim seizes it.
Give Love (juice)
Send ICP into an XFT's bag vault and record juice (bumps). Target must be a 1-of-1 with a bag.
2 · Loans
Your loans
Loans you’ve opened. Repay the full amount to unlock your collateral.
Connect to see and repay your loans.
3 · Defaults
Claim defaulted loans
After the ~30-day term, anyone except the borrower can claim: approve ICP for principal → claimDefaultedLoan refills the vault and attempts to transfer collateral XFT to you. Mark default only flags the loan (no seize).
0 claimable (live)
4 · Book
Community loan book
Open loans funded by this community vault.
0 active shown
Loading loan book…
How it works
- Borrow — lock an XFT you own; the vault sends ICP (up to your reputation limit).
- Repay — return the full amount within ~30 days to unlock your XFT.
- If you miss the due date — anyone can repay the vault and take the collateral after default is marked.
- Love— tip ICP to support another vault's storage fees.
Builder APIs live in Docs.