Pricing

Halo Protocol is free to use. You only pay minimal Solana gas fees and small protocol fees on distributions and yield.

For Everyone

Free

$0

per month, forever

  • Account creation and wallet connection
  • Trust score initialization and tracking
  • Join unlimited lending circles
  • Create and manage circles
  • Dashboard and analytics access
  • Community support via Discord and Telegram
  • Full governance participation
  • Insurance pool protection
Get Started

Transaction Costs

SOL Gas Fees

< $0.01

Solana network fees for each transaction. Typically fractions of a cent per transaction.

Distribution Fee

0.5%

Applied to each payout distribution. Covers protocol maintenance and development.

Yield Fee

0.25%

Applied to yield generated from idle pool funds deployed in DeFi protocols.

Management Fee

2% annual

Annual fee applied to active circle balances. Supports ongoing development and security audits.

Halo vs Traditional Credit Building

See how Halo Protocol compares to traditional credit-building services and bureaus.

FeatureHalo ProtocolTraditional
Monthly CostFree$10-30/month
Credit Score TypeOn-chain (0-1000)Off-chain (300-850)
Data OwnershipYou own your scoreBureau owns your data
KYC RequiredNoYes
Geographic RestrictionsNone — global accessCountry-specific
TransparencyFully on-chain and auditableOpaque algorithms
Savings ComponentBuilt-in with yieldNone
Community GovernedYesNo
Time to Build CreditImmediate — first contribution counts6-12 months minimum