We tried to break it
15 ways someone could cheat or lose money with Advance, and what stops each one. Every defence is marked Live (built and tested today) or Next (designed, being built).
Live built and tested nowPartly live built, not deployedNext designed, being built
Faking income
The obvious way to cheat a lender that judges you by income is to invent income.
Many accounts, many people
If one fake account gets $50, can a group get more?
Honest borrowers, bad outcomes
Not every loss is fraud. These are ordinary credit risks.
Gaming the rewards
Every advance repaid by clients wins a scratch card worth part of the fee back. So we asked how someone would farm it.
Attacking the system itself
What if someone goes after the contracts or the servers instead of the rules?
The principle behind all of it
No lender can read intent. So Advance keeps the payoff from cheating small, makes every default public and permanent, and makes the trust needed for big limits slow and expensive to build.
Next
How is this different?
Advance vs credit cards, Stripe Capital, Credit Coop, Huma and more.