Open source · Proof of concept · Live on Polygon Amoy
Lending pools forcircles that trusteach other.
SuperPool turns any trusted group into a lending pool on any EVM chain — pooled liquidity, member loans, and interest that accrues by the second.
How a pool works
From a group chat to a lending pool, in five moves.
No bank in the loop, and no committee. The pool’s owner decides, the contract enforces, and the chain keeps the record.
Create a pool
Name it, set the maximum loan, the rate and the term, choose what it lends — the chain’s coin or a stablecoin. The PoolFactory deploys the contract, and you own it.
Decide who is in
Turn approval on and only people you admit can join. Leave it off and anyone who funds the pool is enrolled. Either way the register is on-chain, so belonging is never a question of whose list you trust.
Contribute liquidity
Members deposit the pool’s asset. Every contribution is an event on-chain, and the pool’s balances are summed from those events — so what the app shows and what the chain holds cannot drift apart.
Request a loan
A member asks for an amount and says why. The owner sees the request, the borrower’s record and the assistant’s reading of it, then decides — and the reason reaches the borrower with the answer.
Repay and grow
Interest accrues per second on what is still out. Repay in one go or in instalments; what comes back is shared pro rata with everyone whose money is in the pool.
What it does
Built like a protocol, not a promise.
Everything below is built and verified against a live chain — contracts, backend, agent service and mobile app in one open-source monorepo.
Any wallet, any chain
Sign a message with any of 500+ wallets via WalletConnect — no passwords, no email forms. The backend serves every chain it is configured for, keyed by chain id, so Ethereum, Arbitrum, Base or BNB Chain is configuration rather than a rewrite.
Private or open
Turn approval on and only people you admit can join. Leave it off and anyone who funds the pool is enrolled. The register is on-chain either way — as is every contribution, loan and repayment, with balances summed from those events rather than stored.
Your pool is yours
A Safe multi-sig owns the factory: upgrades, the beacon every pool’s logic hangs from, the token allowlist. It does not own your pool — and there is no lever that closes one, deliberately.
Native coin or stablecoin
A pool lends one asset, chosen when it is created — the chain’s own coin, or an ERC-20 the protocol has allowlisted. Amounts are formatted from the token’s own decimals, never assumed.
Interest by the second
Interest accrues per second on the principal still out, shared pro rata with everyone whose money is in the pool. Loans are repaid in one go or in instalments — each payment settles accrued interest first, and the debt closes on the one that finishes it.
A reading, never a verdict
Each request comes with the assistant’s reading of it — bands, not scores; what it noticed, not what to do. It gates nothing, the borrower never sees it, and a first-time borrower is new, not risky.
Where it stands
Most of it is built. The rest is worth arguing about.
The contracts, the backend and the app are complete and running on Polygon Amoy. What is left is getting it onto phones, and three ideas that are not decided yet.
Pools and their contracts
ShippedUpgradeable factory and pool contracts, owned by a Safe multi-sig at the top and by whoever created them at the pool. Open or approval-gated membership, denominated in the chain’s coin or an allowlisted stablecoin.
Lending, end to end
ShippedRequest, decide, disburse, accrue by the second, repay in instalments, declare a default — with the reason behind each decision delivered to the borrower.
Interest and earnings
ShippedShared pro rata by an accumulator rather than a loop, and claimable without touching the stake that earned it.
The app, wired to the chain
ShippedWallet sign-in, per-chain event indexing that survives a reorg, pool discovery and search, and notifications for everything somebody is waiting on.
The app in your hands
BuildingAn installable build, then the stores. The app itself is complete; what is missing is distribution and push credentials.
Collateral management
ExploringSecured loans with on-chain collateral: deposit, withdrawal and liquidation. Nothing is seized today, because nothing is pledged.
Dynamic rates
ExploringOracle-based rates that track pool utilization. Repayment already flexes; the price of borrowing does not yet.
DAO governance & insurance fund
ExploringProtocol decisions moving to token-holder votes, with interest feeding a pool that absorbs defaults.
Open source
Every line of it, in the open.
Contracts, backend, agent service, mobile app and this page live in one public monorepo under the MIT license. Read it, fork it, break it on testnet.
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- License
- MIT
$ git clone https://github.com/rm30-dev/superpool.git
$ pnpm install
superpool/
├── apps/
│ ├── mobile/ # React Native · Expo
│ └── landing/ # this page
└── packages/
├── contracts/ # Solidity · Hardhat
├── backend/ # Firebase Functions
├── agents/ # Mastra · the assistant
└── types, assets
$
Mobile app
Your pool, in your pocket.
The app is built — wallet connection, pools, membership, lending, repayment and the owner’s queue, all mobile first. What is left is getting it onto phones.
Coming soon
App Store
Coming soon
Google Play
// Building in the open — watch the repo for the release.
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