Learn how P3 works

Credit based on character, not just history.

P3 is building a reputation layer for lending. This learning center explains how it works, what the reputation score means, and how to use the protocol safely as a borrower or lender.

Important: P3 is an early-stage protocol. Nothing on this site is financial, investment, tax, or legal advice. Lending and borrowing carry risk, including the risk of losing money. Always do your own research and never risk more than you can afford to lose.

What you can learn

Borrowing with P3

See how reputation, collateral, and terms interact so you know what you are agreeing to before taking a loan.

Read the borrowers guide →

Lending and risk

Understand how lenders use the score, how diversification works, and why yields can change over time.

Read the lenders guide →

Reputation score

Learn how the 0–1000 score, bands, and guardrails are designed to reward long-term, on-time behavior.

Reputation score explained →

Safety & scams

Review practical steps to protect yourself from phishing, fake support, and offers that sound too good to be true.

Safety checklist →