Your story
is worth more
than your score.
Real people fund real people. Better rates for borrowers. Better returns for lenders. No bank taking the spread.
No real money moves during beta · Accredited investors only on the lender side
"My daughter starts school in September and I want to set up a proper study space for her. I've never missed a payment on anything."
Your full story, scored.
Credit, cash flow, community, and character — all of it counts toward your rate. Not just a three-digit number.
No fees. Ever.
No origination fees, no late fees, no prepayment penalties. What you see is exactly what you pay.
Check your rate, keep your score.
Checking your Portrait is a soft pull. See exactly what you qualify for before you ever apply.
Two sides. One platform. Zero intermediaries.
None of it went to a neighbor, a friend, or a small business anyone cared about. It went to quarterly earnings calls. Peoplio reroutes that flow. When a person lends to a person, the interest enriches the lender — not a spreadsheet. The loan becomes a vote of confidence. The repayment, a thank-you.
Today, accredited lenders. Tomorrow, everyone.
Build a portfolio
of people, not paper.
Browse loans by grade, story, and community signal. Read the borrower's narrative before you commit. Diversify across grades. See exactly how every Portrait was calculated — no black box, ever.
Reg D 506(c) · Accredited investors only at beta · Income or net worth attestation required at onboarding
- APrimeup to $2,000
- 8–12%
- BStrongup to $1,000
- 12–16%
- CEmergingup to $500
- 16–22%
Illustrative ranges only. Actual yields depend on default rates, term, and grade mix.
KYC on every account via Persona — government ID + liveness check.
AWS KMS per data class. PII never stored in plaintext.
Bank-partner origination wrapper. Reg D 506(c) on the lender side.
Every state change — every actor — logged immutably.
Get early access.
We're opening Peoplio to a small closed beta. Tell us which side you're on.