Blog

News, updates, and insights from the Halo Protocol team.

Introducing Halo Protocol

February 10, 2026

Today we are excited to announce the launch of Halo Protocol — a decentralized lending circle platform built on Solana. Halo brings the centuries-old practice of ROSCAs on-chain with trustless escrow, on-chain credit scoring, and automated yield generation. Our mission is to make credit accessible for the 1.4 billion adults worldwide who lack formal financial histories.

Education

Understanding ROSCAs: The World's Oldest Savings Mechanism

February 8, 2026

Rotating Savings and Credit Associations have been used for centuries across Africa, Asia, and Latin America. Learn how Halo Protocol brings these community savings groups into the web3 era.

Technical

How On-Chain Trust Scoring Works

February 5, 2026

Your Halo trust score ranges from 0 to 1000 and is calculated entirely on-chain. We break down the four factors — Payment History, Circle Completion, DeFi Activity, and Social Proof — that determine your tier.

Technical

Why We Built on Solana

February 1, 2026

Sub-second finality, transaction fees under $0.01, and a thriving DeFi ecosystem. Here is why Solana is the ideal blockchain for community lending circles at scale.

Education

Building Credit Without a Bank Account

January 28, 2026

1.4 billion adults are unbanked. Traditional credit systems require existing credit to build credit. Halo Protocol breaks this cycle by letting anyone build a verifiable credit reputation through community savings.