Learner Flow

Step 1: Connect Wallet

The learner connects their Stellar wallet (Freighter or Lobstr). Their wallet address becomes their identity in the protocol. No email, no password, no KYC required.

Step 2: Complete Profile

After connecting, the learner completes a profile:

• Full name and bio
• Country and city
• Current role (Student, Intern, Early-career Dev, Freelancer)
• Skills (JavaScript, Rust, Python, React Native, and more)
• What they want to finance (Laptop, Course, Bootcamp, Dev Tools)

Step 3: Apply for a Loan

The learner browses verified vendors and selects what they want to finance. They choose:

• Loan amount
• Number of installments (3, 6, or 12 months)
• The loan details are calculated based on their reputation tier

Step 4: Loan Approved

An admin approves the loan, transitioning it from Pending to Active on the creditline contract.

Step 5: Repay in Installments

Each month, the learner repays one installment. Every on-time payment increases their reputation score.

Step 6: Build Reputation

Over time, the learner builds an on-chain credit history. Higher reputation unlocks lower interest rates and higher credit limits.