Lending with P3

Lending on P3 is experimental and risky. This page describes core concepts to understand before considering it.

Reading the reputation score

The reputation score is one input into risk. Higher scores usually mean more positive history, but they never guarantee repayment.

See the Reputation score overview for details on bands, factors, and guardrails.

Diversification and limits

• Avoid concentrating too much into a single borrower or loan.
• Expect that some loans will underperform or default, especially during early protocol phases.
• Only use capital that you can afford to lose.

Not investment advice

Nothing in P3 — including the app, this learning center, or any score — is investment, financial, tax, or legal advice.

You are responsible for your own decisions. Consider speaking with a qualified advisor before committing meaningful capital.