LendPath hosts specialized lending experiences. The first product, KinLedger, helps communities run sou-sou style collective loans with clean books, protected identity data, equal-vote committee decisions, amortization packets, and simple e-sign — without a bank funding the loan.
One platform, multiple verticals. Start with collective lending.
Sou-sou / committee-funded loans for families, faith groups, professional circles, and associations. Application → funding → equal-vote decision → signatures → servicing.
Short-duration working capital for small merchants with private lender risk notes.
Templates for equipment notes and dignity-first wage advance tracking.
When the committee sets a rate, KinLedger splits projected interest into inflation offset (~3%) and residual for management / pool strength.
| Horizon | $5,000 @ 3% inflation |
|---|---|
| 3 years | ≈ $4,575 real value |
| 5 years | ≈ $4,313 real value |
| 10 years | ≈ $3,720 real value |
From product key to active servicing.
Product key, recovery factors, strong password.
Disbursement type, calculator, contributor commitments with vote-day flexibility.
Committee packet, e-sign for funders/admin/lendee, then service payments.
Each license activates one KinLedger installation.
We checked public market presence and intentionally avoided names that collide with major banks/fintech.
| Candidate | Status | Notes |
|---|---|---|
| Circle (old product name) | Avoid | Circle Internet Group / USDC; OCC-approved national trust bank path (Circle National Trust). High confusion risk in banking. |
| KinLedger (product) | Selected for MVP | No major US bank product found under this exact mark in public search; “kin + ledger” signals family/community books. Still run counsel trademark search before launch. |
| LendPath (umbrella) | Selected for MVP | Generic descriptive compound; no dominant bank brand collision in public results. Confirm USPTO before filing. |
This is product diligence, not legal advice. File intent-to-use marks and domain checks before public commercial launch.