Endless Wallet is building comprehensive lending infrastructure that combines alternative credit assessment, flexible loan structures, and secondary market liquidity to democratize access to capital.
Traditional credit infrastructure excludes millions while peer-to-peer lending remains fragmented and limited. We're building the comprehensive solution the market needs.
Beyond simple loan matching—we're building end-to-end infrastructure for the future of peer-to-peer finance.
CORE Score (Credit & Obligation Rating Evaluation) system evaluates creditworthiness beyond FICO—incorporating verified identity, social connections, net worth composition, and repayment history for holistic risk assessment.
Customizable terms including APR, repayment schedules, collateral requirements, governing law, and currency. Borrowers create detailed petitions; lenders negotiate directly.
Trade loan notes like securities. Sell full positions, partial stakes, or package multiple loans together. Creates liquidity in traditionally illiquid asset class.
Extend credit lines to verified connections. Set limits, rates, and terms. Enables businesses to finance customers and families to support each other financially.
Lend and borrow in USD, EUR, GBP, plus USDC, USDT, BTC, and ETH. Removes geographic barriers and serves global, unbanked populations.
E-signature integration via HelloSign. Customizable legal templates. Jurisdiction selection. Creates enforceable agreements with automated tracking and notifications.
Peer-to-peer lending involves substantial risk of loss. The platform is currently in sandbox/pre-launch stage with no operational history. Investors should only invest capital they can afford to lose and should diversify across multiple loans to manage risk once the platform launches.
When you combine the right infrastructure components on a social platform, you unlock unprecedented capital efficiency and democratized access.
Legal agreements generated instantly with e-signature integration
Reliable ACH transfers and real-time payment processing
Verify, valuate, and enforce collection strategies
Trust networks and relationship-based lending
Money moves faster and more efficiently between those who have it and those who need it
Every transaction, term, and risk is visible and verifiable by all parties
Upward mobility through democratized lending, regardless of traditional credit scores
Traditional financial systems keep these components siloed. Banks handle payments but don't offer flexible lending structures. Legal services create contracts but aren't integrated with payment systems. Collateral verification happens separately from loan origination. Social networks exist but lack financial infrastructure.
By bringing all these elements together on a single platform, Endless Wallet eliminates friction, reduces costs, and opens lending to anyone with creditworthiness—not just those with perfect FICO scores. The result is a financial system that works for everyone, not just the already-privileged.
Enterprise-grade infrastructure designed for regulatory compliance, security, and global scalability.
Bank-level encryption (AES-256), PCI compliance via Stripe, KYC/AML verification, and SOC 2 infrastructure. Designed with regulatory requirements at the core.
Integrated with Stripe for ACH transfers and Plaid for bank account verification. Real-time payment tracking and automated repayment processing.
Sub-100ms API response times. Real-time marketplace pricing. Automated contract generation. Built to handle institutional-scale transaction volumes.
Join us in building the future of democratized lending infrastructure.
We're positioned at the intersection of three massive trends:
Multiple revenue streams provide diversification and scalability:
Investment in Endless Wallet carries substantial risk. The platform is currently in sandbox stage with no operational history or proven business model. The peer-to-peer lending industry is heavily regulated, and we are in the process of obtaining necessary licenses. Regulatory changes could significantly impact our business model. This is a high-risk, early-stage investment suitable only for sophisticated investors who can afford total loss of capital.
Potential investors should conduct thorough due diligence, review all available financial information, and consult with legal and financial advisors before making any investment decision.
We're seeking strategic investors and institutional partners to scale democratized lending infrastructure globally.
Request Investment MaterialsBy accessing and using the Endless Wallet website and any related services, you agree to abide by these Terms of Service. Endless Wallet provides this site for informational purposes only and does not constitute an offer to sell or solicit investments or securities. Users must not rely on any information presented here for any financial decision without consulting qualified advisors. The content, design, and features of the platform are subject to change without notice. Continued use of the site after changes to these terms constitutes acceptance of those changes. Do not misuse the platform by engaging in unlawful, offensive, or harmful activities, and respect the rights of other users.
Endless Wallet values your privacy. We collect limited personal information necessary to provide our services and to comply with applicable laws and regulations. Information collected may include contact details, usage data, and technical information about your device and interaction with our site. We use this information to operate and improve the platform, communicate with you, and meet our legal obligations. We do not sell your personal data to third parties. We implement security measures designed to protect your information; however, no system is completely secure. By using our site, you consent to the collection and use of your information as described in this policy.
Endless Wallet is committed to complying with all applicable laws and regulations governing peer-to-peer lending and financial services. Our platform is currently in a sandbox and not yet licensed to offer lending products. We are actively pursuing required licenses and registrations. We adhere to Anti-Money Laundering (AML) and Know Your Customer (KYC) guidelines to ensure the integrity of our platform. We also strive to align our operations with data privacy and consumer protection standards. As regulatory frameworks evolve, we will update our policies and procedures to maintain compliance.
Investing in early-stage companies and participating in peer-to-peer lending involves a high degree of risk. Potential investors may lose some or all of their invested capital. There is no guarantee of liquidity, and investments may be illiquid for extended periods. The performance of any investment depends on the ability of borrowers to repay, market conditions, regulatory changes, and other factors beyond our control. Past performance does not guarantee future results. You should carefully consider your financial situation and consult with legal and financial advisors before investing. By using our platform, you acknowledge and accept these risks.