hakiba
The Future of DeFi Lending • Community-Powered Finance

VOUCH LIKE A VILLAGE LEND LIKE A BANK

Hakiba connects users worldwide through a revolutionary decentralized chain of trust, enabling borderless lending and financial freedom for all.

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$14.2M+

Total Value Locked

12,450+

Trust Connections

47

Countries Connected

98.7%

Repayment Rate

Our Vision

Reimagining Lending Through Trust Chains

Hakiba brings together age-old community trust systems with modern blockchain technology to create a borderless lending ecosystem that works for everyone, everywhere.

Stake & Earn

Deposit funds into Hakiba's protocol to join the trust network and earn competitive yields on your assets.

8% APY on deposits

Vouch & Connect

Invite trusted individuals and vouch for their creditworthiness, enabling them to access loans through your endorsement.

Expand your network

Borrow & Grow

Access loans based on your trust connections, build financial history, and help extend the network to more communities.

No traditional credit checks

Build Trust Score

Every repayment and successful vouching builds your on-chain reputation, increasing your borrowing limits over time.

Transparent reputation system
Unbank Yourself

Break Free From Traditional Banking Limitations

Hakiba eliminates the middlemen and connects users directly through trust relationships, making financial services accessible to the 1.7 billion unbanked people worldwide.

No Lengthy Applications

Access loans based on community trust, not paperwork and credit scores.

Lower Interest Rates

Enjoy rates as low as 3-8% APR compared to traditional bank rates of 15-24%.

Borderless Access

Send, receive, and access funds globally without excessive fees or delays.

Hakiba Trust Score
Updated 2 hours ago
875 / 1000
Available Credit
$12,500
Trust Connections
24
Trust Network Growth
+46%
Unique Features

Why Hakiba Stands Apart

Our innovative approach to DeFi lending creates opportunities that traditional financial systems simply can't match.

Global Trust Network

Connect with trusted individuals across borders, creating an expanding web of financial relationships that transcend geographical limitations.

Cross-Border Universal Access

On-Chain Reputation

Build your decentralized creditworthiness through verified blockchain transactions, creating a transparent and immutable trust score.

Transparent Verifiable

Community Lending Pools

Join existing lending pools or create your own, allowing communities to collectively manage funds and establish cross-community connections.

Collaborative Community-Governed

Experience an Intuitive Interface Designed for Everyone

Hakiba's platform is accessible to users of all technical levels. Our mobile-first design ensures you can manage your trusted connections and financial activities anytime, anywhere.

Biometric Security

Secure your account with fingerpint or facial recognition for quick and safe access.

In-App Messaging

Communicate directly with your trust connections through encrypted channels.

Smart Reminders

Get notified about payments, opportunities, and network activity.

H
Hakiba Dashboard
Your trust network statistics

Your Trust Network

View All
Simple Process

Three Steps to Financial Freedom

Join Hakiba's trust network and unlock borderless lending opportunities in just three simple steps.

1

Stake

$HAKB

Deposit funds into the Hakiba protocol to join the trust network and start building your financial foundation.

  • Earn passive yield on deposits
  • Start with as little as $1/day
2

Vouch

YOU
THEM

Invite and vouch for trusted connections, enabling them to access loans based on your endorsement.

  • Customizable trust limits
  • Earn rewards for successful vouches
3

Borrow

Available Credit
5,000 USDC
Ready to Borrow

Access loans through the trust network at competitive rates and contribute to growing the ecosystem.

  • Flexible repayment terms
  • Lower rates than traditional lenders
Your Financial Passport

Build Your Trust Score

As you participate in the Hakiba ecosystem, your trust score evolves, opening doors to greater borrowing capabilities and reflecting your reputation in the network.

Payment History
90%
Vouching Strength
70%
Network Connection
80%
0
Trust Score
Network Visualization

Dynamic Chain of Trust

Explore how trust connections form between users, creating an ever-expanding network of financial relationships.

How The Trust Chain Works

Each node represents a user in the Hakiba network. Lines show trust connections where users have vouched for others, forming a decentralized web of trust.

  • Larger nodes represent users with higher trust scores and more connections

  • Blue connections show active loans between users

  • Green nodes indicate users with perfect repayment history

Network Benefits

Global Reach

Connect with trusted individuals across borders, creating financial inclusion for the unbanked.

Enhanced Security

Trust relationships are verified on-chain, ensuring transparency and accountability.

Exponential Growth

As each user vouches for others, the network grows exponentially, creating more lending opportunities.

Our Journey

Trust Chain Roadmap

From concept to global financial inclusion, follow our journey as we build and expand the Hakiba network.

Q3 2023 • Completed

Foundation Phase

Building the core infrastructure and trust verification protocols to power the Hakiba ecosystem.

  • Smart contract development
  • Trust algorithm design
  • Security audits completed
Q4 2023 • In Progress

Community Onboarding

Inviting our first communities and beta users to test the platform and provide valuable feedback.

  • Beta testing with 5 communities
  • Mobile app development
  • UI/UX refinements
Q1 2024 • Upcoming

Cross-Community Lending

Enabling different communities to lend to each other and expanding the network's global reach.

  • Cross-community lending platform
  • Multi-currency support
  • Advanced trust metrics
Q2 2024 • Upcoming

DAO Governance & Scaling

Transitioning to community governance and scaling the protocol for mainstream adoption.

  • Community governance token
  • Layer 2 scaling solutions
  • Global partnership program
Q3-Q4 2024 • Vision

Global Expansion

Scaling to reach millions of users across the globe with full localization and regional adaptations.

  • Regional support in 20+ languages
  • Banking integration partners
  • 1 million user milestone
Financial Liberation

Free Your Loved Ones From Predatory Debts

Traditional financial systems often trap people in cycles of debt with high interest rates and unfair terms. With Hakiba, you can help friends and family escape these traps through community-backed lending with fair terms.

Lower Interest Rates

Community-based lending through Hakiba offers significantly lower interest rates (3-8% APR) than traditional loans and credit cards (15-28% APR).

Fair Terms & Conditions

No hidden fees, predatory clauses, or unfair penalties. All terms are transparent and community-approved to ensure ethical lending practices.

Community Support

Unlike traditional lenders who profit from defaults, Hakiba communities support borrowers to ensure successful repayment and financial health.

Start Breaking the Cycle

Traditional Loan

Interest Rate 15-28% APR
Hidden Fees Multiple Fees
Credit Check Required
Late Payment Severe Penalties
Approval Time Days or Weeks

Hakiba Loan

Interest Rate 3-8% APR
Hidden Fees None
Credit Check Trust-Based
Late Payment Supportive Approach
Approval Time Minutes to Hours
Worldwide Impact

Borderless Financial Network

Witness how Hakiba is connecting people across continents, creating a global financial ecosystem that transcends traditional borders.

Africa

12 countries connected

Asia

9 countries connected

Americas

8 countries connected

Europe

18 countries connected

Interactive visualization of live trust connections forming across the globe. Drag, zoom, and explore to see how Hakiba is connecting communities worldwide.

New trust connections form every 30 seconds
Common Questions

Frequently Asked Questions

Find answers to common questions about Hakiba's trust-based lending system.

The chain of trust starts when one user stakes funds and vouches for someone they trust. That person can then get a loan, and upon repayment, can vouch for others. This creates an expanding chain where trust is passed from one person to another, allowing the network to grow globally while maintaining accountability. Each successful repayment strengthens the trust score of everyone in that chain.

If a borrower defaults, a portion of the staked funds from their voucher is used to cover the loan. This creates a strong incentive for vouchers to only endorse people they truly trust. However, Hakiba's approach prioritizes support over penalties. Before any funds are claimed, the community offers assistance and flexible repayment options to help borrowers succeed.

Yes! One of Hakiba's unique strengths is enabling global trust networks. You can vouch for anyone worldwide based on their on-chain credit history and reputation within the Hakiba network. This creates financial inclusion across borders, allowing communities to support each other regardless of geographic location or traditional banking limitations.

Traditional lending relies on centralized credit scores and financial institutions as gatekeepers. Hakiba removes these barriers by creating a decentralized trust network where people vouch for each other. This enables financial access for the unbanked, offers significantly lower interest rates, eliminates predatory practices, and creates a more inclusive global financial system built on personal connections and reputation.

Hakiba is designed to be multi-chain from the ground up. We currently support Ethereum, Polygon, Optimism, Arbitrum, and Solana, with plans to expand to additional EVM-compatible chains and other major blockchain ecosystems in the future. This approach ensures that users can interact with the protocol using their preferred blockchain while maintaining security and interoperability.

Security is our top priority. Hakiba's smart contracts have undergone rigorous auditing by leading blockchain security firms. We implement multiple layers of security, including time-locks, multi-signature governance, and insurance protocols. All user data is encrypted, and the platform employs advanced measures to protect against common vulnerabilities. Our security practices are continuously updated to address emerging threats.

Join the Hakiba Waitlist

Be among the first to experience the future of community-based lending. Join our waitlist for early access and exclusive benefits.

Early Access

Be first to experience the Hakiba platform and build your trust network

Bonus Rewards

Early waitlisters receive bonus staking rewards and enhanced trust scores

Community Input

Shape the future of Hakiba with your feedback and feature suggestions

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