Security
Endorsed people and companies have an immutable reputation, created by trusted third parties
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About AvalDAO
What is AvalDAO?
AvalDAO is the first decentralized Reciprocal Guarantee Society (SGR). A WEB3 solution that provides guarantees to unbanked individuals and microenterprises or those without credit history, so they can access convenient commercial credits.
Autonomy
Guarantees are autonomous contracts that will execute without intermediation in favor of the credit grantor
Transparency
The entire economy of the organization is in plain sight, with information and statistics published in real time
Investors
Contribute crypto capital to the Guarantee Fund to provide social growth and economic sustainability.
Shops
Offer their goods and services with special credit conditions to customers with guarantees from AvalDAO.
SMEs
Build their reputation on their digital identity through credentials granted by issuers that accredit aspects such as responsibility, knowledge, and productivity, among others.
We trust you
I want to invest
Do you want your investments to operate profitability while helping other people fulfill their dreams?
I want a guarantee
Do you have a business and want to expand your customers? Do you have a venture and need a guarantee to get a commercial credit?
How it works
From the request to the fund's automatic backing
AvalDAO connects applicants, beneficiaries, and merchants through a clear process to approve guarantees and cover missed payments without friction.
1
ApplicantPresents the beneficiary and requests the guarantee
The applicant submits the beneficiary's information, explains the credit purpose, and starts the initial review.
2
AvalDAOEvaluates and approves or rejects the guarantee
AvalDAO reviews identity, reputation, and risk conditions to decide whether the fund can back the operation.
3
MerchantAccepts the guarantee and grants installment credit
With the guarantee approved, the merchant confirms the sale and enables financing under the agreed terms.
4
BeneficiaryAccesses the good or service and pays the installments
The beneficiary receives the good or service and follows the payment plan while building history and reputation.
5
Guarantee fundIf there is a default, the merchant executes the guarantee
If an installment is not paid, the merchant collects from the guarantee fund and the coverage is executed automatically.
Project evolution
Guarantee fund roadmap
Today the fund is sustained by voluntary contributions. The next leap is enabling investor participation with smart contracts and transparent yield.
Current state
01
Donation-based fund
People who contribute capital do so voluntarily to strengthen guarantee coverage, without direct financial return.
Next stage
02
New smart contracts
We are designing contracts to manage contributions, risk rules, and result distribution in an automated and auditable way.
Future vision
03
Yield for investors
The goal is for investors to participate in the fund and earn sustainable yield aligned with the real performance of guarantees.
Frequently asked questions
Clear answers for an onchain guarantee
These are the most common questions about how the fund, the roles, and guarantee security work inside AvalDAO.
What is a reciprocal guarantee?
It is a backing issued by AvalDAO so a person or microbusiness can access commercial credit under better terms. The fund covers the merchant if an expected default occurs.
Who can request a guarantee?
The process starts with an applicant, such as a tutor or sponsor, presenting the beneficiary. AvalDAO reviews the case and decides whether the guarantee can be approved.
What happens if the beneficiary cannot pay an installment?
The merchant can execute the guarantee and receive payment from the guarantee fund according to the rules approved for that operation. AvalDAO then manages the corresponding recovery process.
How is the guarantee fund financed?
The fund is sustained through capital contributions, investment tools, and transparent onchain resource management to maintain coverage and solvency.
How do I know my guarantee is valid and secure?
Each guarantee is recorded with verifiable rules and blockchain traceability. That makes approvals, terms, and executions auditable without relying on opaque processes.
Dashboard
AvalDAO is transparent. You can know the state of its internal economy in real time.
Rootstock Mainnet
Guarantee Fund
USD*
* Value expressed in dollar-pegged stablecoins
Supported by
Partners
