WeTrust Lending Circles · interactive mechanism simulation

A fixed group of trusted members contributes ETH each round into a smart-contract escrow. Members bid a discount for early access — the lowest bidder gets the pot, the difference splits pro-rata back to the rest. No administrator ever touches the funds.
Escrow contract pot: 0.0 ETH Reverse-auction bid lowest bid wins pot Winner payout 0 rounds settled Pro-rata return split among rest
Rounds completed
0
Escrow pot
0.0 ETH
Members served
0 / 6
Circle status
healthy
Parameters — edit me
6
1.0 ETH
15%
1.4/s
Controls

Illustrative simulation. Models the researched Trusted Lending Circles mechanism (fixed-group ROSCA, reverse-auction bidding for payout order, smart-contract escrow) with randomized bid sizes and timing — not live onchain data. "Member drops out" shows why gas/UX friction and thin trust graphs made real circles hard to sustain. Part of The Onchain Experiment Atlas.