💵 Loans and savings

Configure both through /fsettings.

Loans

Eligibility uses credit score, account age, balance, existing loans, and amount/duration limits. Configure interest bands, repayment frequency, late fees, grace periods, and default thresholds. A credit score alone does not guarantee approval.

New principal is rounded to whole dollars; legacy fractional pending principal is normalized at approval. Legacy fractional debt can round up by less than $1 at repayment.

An uncertain disbursement may leave active debt and a reconciliation warning. Check wallet and loan history before correcting it; repeating approval is not a recovery procedure.

Savings

Set account count, minimum funding, durations, rates, hold period, early-withdrawal penalty, and interest schedule. Initial funding rounds to whole dollars before affordability and settlement. Cash movements count toward daily limits.

Test accrual and early withdrawals with your chosen terms. Do not infer annual returns from the rate alone.