From your circle to your cycle.
SpaceCredit replaces the chat-thread chaos of group lending with a structured, transparent flow — loans funded by SpaceCredit, managed by your cluster.
Sign up & verify
Download the app, create an account with your phone number, and verify your identity.
Form a cluster
Create a new cluster or join one with an invite code. Set the loan amount, interest rate, repayment frequency, and whether the cycle runs once or recycles.
Invite trusted members
Share your cluster's invite code. New members onboard in the app, add a guarantor, and the manager approves them before they join a cycle.
Receive your loan
SpaceCredit funds every loan — members don't pay in first. Loans go out in first-in, first-out order, based on when each member joined, straight to the member's registered bank account.
Repay on schedule
Repay your loan at the agreed frequency — daily, weekly, monthly, or yearly. Your cluster manager records and confirms each repayment, and your balance updates in the app.
The cycle rotates
As loans are repaid, the next member in line receives theirs. Recycling clusters roll straight into the next round — so everyone gets their turn.
Fair by default. First in, first out.
Every cluster runs on a simple, transparent rule: members receive loans in the order they joined. No favoritism, no negotiation — your place in line is set the moment your manager approves you.
- First-in, first-out order based on join priority
- The same fixed loan amount for every member in a cycle
- Guarantor backing for every borrowing member
- Manager-confirmed disbursements and repayments
Run your first cycle this week.
Download SpaceCredit and get your cluster set up today.
