Open Arsenal

Built on Trust. Proven by Repayment.

LoyalCredit is an open source, relationship-based credit specification designed to help businesses build trust with individual and business borrowers over time. Rather than relying solely on an external credit score, LoyalCredit allows borrowers to establish a lending relationship through demonstrated repayment performance. The model begins with secured lending and creates a structured path toward greater borrowing access as trust is earned.

At the center of LoyalCredit is the Credit Trust Ladder, a core module that tracks a borrower’s progression through the lending relationship. Successful repayment can improve a borrower’s score, grade, borrowing capacity, and eligibility for additional credit. Late payments deduct points and can restrict access to future borrowing, while an A grade is required for eligibility to borrow through unsecured loan programs.

LoyalCredit includes modular features for borrower profiles, credit accounts, secured and unsecured lending, payment performance, credit scoring, credit grades, borrowing capacity, loan renewal, lending decisions, audit records, and lender-defined policies. The modular design allows organizations to implement the components they need while extending the system through optional plugins for services such as payment processing, banking integrations, identity verification, collateral valuation, accounting, reporting, and external credit reporting.

The specification is designed to encourage repeat business and long-term lending relationships. Borrowers who consistently repay their loans can progress through the Credit Trust Ladder and gain access to greater lending opportunities. A qualifying default, however, permanently ends the borrower’s eligibility for all loan programs operated by the specific business that recorded the default. LoyalCredit does not include a rehabilitation or reinstatement process, leaving the borrower free to seek funding from other lenders.

This specification is released under the GNU Affero General Public License v3.0 or later (AGPL-3.0+) and is free to use with required attribution. Attribution-free deployment is available through a Specification Branding License, with fees based on deployment scope and network size.