Community

Duffle Bag

Shared ICP vault for XFT-collateral loans, storage-fee support, and cycle top-ups. Loan books are live from the bank canister.bank ezq74…-cai · live

Vault ICP balance

0 ICP ICP

Available for new community loans

Active loans

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Open community-funded books

Outstanding

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Principal still owed

Claimable defaults

…

Past term, open for claim

Your power → LTV

Connect

Bank power 0–200 · LTV clamps 45–95%

0 · Power

Level up by shipping

Bank power (0–200) sets your community LTV. Good actions raise it; defaults hurt hard. Love costs a little — repayments pay it back.

Power 0/ 200 · LTV 45%Seed 50 if new

Buy an XFT+8

Mint a Lead / label+12

Mint media / pass+6

Launch DAB+15

DAB liquid ≥ 1 ICP+5

DAB liquid ≥ 10 ICP+12

DAB liquid ≥ 100 ICP+25

Repay community loan+10

Default on a loan-25

Give Love / juice-2

1 · Borrow

Borrow against XFT

Post a 1-of-1 XFT you own (with bag preferred) as collateral. Community vault is the lender. Term ~30 days on-chain. Collateral stays in your wallet until default claim seizes it.

Give Love (juice)

Send ICP into an XFT's bag vault and record juice (bumps). Target must be a 1-of-1 with a bag.

2 · Loans

Your loans

Live from bank.getLoansByUser — repay with ICRC-2 approve + closeLoan.

Connect to see and repay your loans.

3 · Defaults

Claim defaulted loans

After the ~30-day term, anyone except the borrower can claim: approve ICP for principal → claimDefaultedLoan refills the vault and attempts to transfer collateral XFT to you. Mark default only flags the loan (no seize).

0 claimable (live)

4 · Book

Community loan book

Active loans funded by this duffle vault — listActiveCommunityLoans (public, live).

0 active shown

Loading loan book…

Protocol wiring

Open loan — createLoan(xftId, amount, aaaaa-aa) · caller must own XFT · vault pays ICP or books SEI credit
Repay — approve bank for principal → closeLoan (ICRC-2 pull)
Claim default — approve principal → claimDefaultedLoan · vault refill + xft.transfer seize attempt
Mark default — markDefaulted only (no ICP, no seize)
Juice — approve → giveJuice · Love/bumps on bag