Build Credit
Through Community
Halo Protocol brings rotating savings circles on-chain with trustless escrow, verifiable credit scoring, and smart contract automation on Solana. Build your financial reputation through community participation.
Built for Community Trust
Every feature is designed to make saving together safe, transparent, and rewarding for all participants.
Lending Circles
Form circles with trusted members to save and borrow together. Smart contracts manage contributions, payouts, and escrow so every round is fair and transparent.
Trust Scoring
Build a verifiable credit score from 0 to 1,000 through on-time contributions and successful circle completions. Higher scores unlock lower stake requirements and premium circles.
Secure & Private
All funds are held in smart contract escrow accounts on Solana. No intermediaries, no custodians. You stay in control of your assets at every step.
How It Works
Get started in four simple steps and begin building your on-chain credit history.
Connect Your Wallet
Link your Solana wallet (Phantom, Solflare) to get started.
Join or Create a Circle
Browse open circles or create your own with custom parameters.
Contribute Each Round
Make USDC contributions on time each round. Smart contracts enforce the rules.
Build Your Credit
Every on-time payment increases your trust score. Complete circles to unlock higher tiers.