Exact census totals · illustrative geometry
one point = one record · 326,242 · area ∝ count
every count real · shapes illustrative · census 2026-09-05the same 326,242 points, arranged as the instruments
illustrative · handles invented · UI abridged
The joined record of peer-to-peer lending · since 2014 · free to read

Look them up before the money moves.

Six communities, one joined record: 326,242 loan-lifecycle records reaching back to r/borrow's first full day in September 2014, 220,039 of them funded loans. Not a score. Not a list. The record itself, with the receipts.

tryu/copper_wren$fastpay22u/harbor_lampu/calm_trader
The record, drawn · scroll ↓
01 / 07
The record · since September 2014 · free to read

Every loan, one point.

326,242 loan-lifecycle records, six communities, drawn to scale: one point each. Not a sample, not a score.

02 / 07
Where a loan begins

Two doors, and an offer.

150,705 funded loans began as an open request in the thread; 69,334 were prearranged. 458 LOANS AVAILABLE offers are on record too. The loans they led to aren't tagged yet.

03 / 07
The dead end

1 in 21 asks becomes a loan.

Where the ask itself is a post, 110,118 asks were made and 5,249 were funded. 104,869 end where they began.

04 / 07
What comes back

85% comes home.

187,862 repaid. 16,715 currently unpaid. Declared by the lender, never inferred. 15,462 still open.

Open the records →
05 / 07 · the instruments
SignalsFree
the record · one handle at a time

Look them up.

Type a handle. Every loan, every outcome, every receipt: the whole record on one card, free forever. Counts, not scores.

/signals/u/copper_wrenillustrative · free
CW
u/copper_wren
14 loans since Feb 2023 · r/borrow · r/SimpleLoans
last seen asking · 3d · r/borrow
Borrower11 repaid2 never repaid1 open · $90 out
The story settles: $90 open today, down from a $250 peak.every figure traces to a row in the register · nothing scored
Search the record →
06 / 07 · the instruments
LedgerFree
your book · private by construction

Your book, kept properly.

Loans, borrowers, notes, schedules, in any currency: one book, on every device. Your ledger is private; the join against the public record runs in your browser, so you compare without disclosing.

Today · Mon, Jul 6private · your account
BookNotes 3FX 3Watch 2private
Outstanding
$1,192.00
−$228 · 30d
Repaid
$17,803.51
+$703 · 82% rate
Active
8 loans
35 borrowers · +2 mo
Your book · 8 loans · 3 currenciesjoinlocal
BorrowerOutDueOn the record
u/copper_wren$90.00Sep 311 of 14 repaid
u/paper_kite£40.00≈ $51Sep 96 of 6 repaid
u/tide_marker$250.00late 4d1 never repaid
u/slow_riverCA$120.00≈ $88Sep 14no record
u/gull_lamp$167.00late 9d9 of 9 repaid
5 of 8 shown · 2 late · $417.00per currency, never summed · $1,192.00 · £40.00 · CA$120.00
Open the book →
07 / 07 · the instruments
Warden
reported defaults · inspectable evidence

Warden holds the line.

Reported defaults with evidence attached. Search the registry before the money moves again.

Open Warden →
Illustrative registry check · repeats

One fictional example repeats: u/example_borrower is checked against the existing report DEMO-014. The report says unpaid and includes an example lender's source excerpt. The identity remains outside the perimeter; the stored record remains after the check. Trace evidence holds the identity, report and source connection. Escape releases inspection. Pause motion stops playback independently. A report match is information to inspect, not a verdict.

Instrument · payment method vs. outcome

Send it the safe way.

Compare payment methods by record quality, reversibility, platform risk, and dispute posture. Check the processor’s current terms before relying on a claim or refund.

+43%illustrative difference in money returnedillustrative figure · not a measured recovery rate
Read the payment-method guide →
PayPal Goods & Servicesillustrative96¢
PayPal Friends & Family71¢
Cash App68¢
Venmo · Zelle64¢
each dot a loan · out · came home · recovered by claim · never repaid¢ of each $ lent that came home
Tier truth · Free / Pro / Max

Pro sells leverage, never truth.

The test for anything we charge for: could a patient member reach it by hand with enough clicks? If yes, it's fair to sell the assembly. If no, it isn't for sale.

Freeis the record
Any one person, the whole truth.
  • Every fact, every source receipt
  • The full timeline and register
  • The first hop of their web
  • Watch (local to this device)
safety facts are never paid · accessibility is never paid · free must be a great product on its own
Prois the lender's view
The same facts, arranged around you.
  • Each lender's book laid beside the web
  • Their web joined against your own ledger
  • Watch synced across devices, with alerts
  • Two-hop relationship context
Pro never knows more facts. It does more of the work
Maxis the autopilot · AutoLedger, W.I.P.
The network acts without being asked.
  • Your whole book watched, standing
  • Suggested ledger entries from live detections. You approve every one
  • Rising-risk flags with the evidence rows attached
automation, never extra data · in development, not a checkout
Founding lenders · access by approval

The record is not for sale. A seat at the table is.

Request an account to join LoanLedger. Pro is available separately.

See plansRequest founding access