Getting started

How LoanLedger works

The 60-second tour of Ledger, Signals & Warden.

1 min readUpdated 22 Sep 2026/help/how-it-works

LoanLedger is three tools that share one goal: help you lend to strangers on the internet without getting burned.

Your Ledger is your private book. Every loan you make, every repayment you collect, every due date you're watching lives here, and nobody else can see it.

Signals is the shared memory of the lending communities. Before you fund someone, you look them up here to see whether the network has seen them repay, go quiet, or default. You read it; nothing from your own book goes into it.

Warden is where lenders pool what they know about the people who don't pay: reports, aliases, evidence, and recovery steps. A report filed there warns the next lender.