Getting Started
IPNC is a trust-based DeFi ecosystem on Polygon. Follow the flow below to set up, transact, and build an on-chain credit score you truly own — or earn by reviewing for the community.
Six steps take you from a fresh wallet to your first on-chain note and a growing credit score. It takes minutes to set up.
IPNC is different from a bank or a typical crypto app. Notes are enforced by smart contracts, transactions are irreversible, and you alone hold your keys. Understand the basics before you commit funds.
You need a self-custody wallet that supports the Polygon network. IPNC works with the most common options — pick one and add the Polygon network to it.
IPNC is a fixed-supply community token on Polygon. Add it to your wallet using the contract address, then acquire it peer-to-peer or via a supported decentralised exchange once liquidity is live.
Open the IPNC dApp and connect your wallet. Your dashboard shows your balance, your credit file, and everything you can do — no account or password required.
An IP Note is an on-chain promissory agreement between two parties — amount, term, and instalments, all enforced by the contract. Borrow, lend, or transfer using one of three speed tiers.
Every note you settle on time raises your wallet-native credit score. A stronger score unlocks larger notes, lower friction, and — eventually — the ability to become a reviewer yourself.
High-trust members underwrite the network and earn fees for it. Here's the path from member to active community reviewer.
Reviewers are the decentralised underwriting layer. They assess and approve notes routed to them by transaction band, and earn fees from a dedicated reviewer pool. It's a responsibility, not a formality.
Reviewer eligibility is earned. Use IPNC actively and settle your own notes on time to raise your score into the qualifying range.
Open the Reviewer dashboard in the app. It shows whether you meet the score and activity thresholds and lets you opt into the reviewer programme.
Notes within your band are routed to you. Assess the terms and counterparty, then approve or decline. Consistent, sound decisions keep you eligible and grow your standing.
Approved and settled notes pay fees into the reviewer pool, distributed to the reviewers who did the work. Rewards scale with activity and standing.
Active, trusted members take part in the Community DAO — proposing and voting on changes to the protocol and how the reserve is used. This is how ownership moves to the community over time.
Connect your wallet and start building a credit score you actually own.
Launch the app →