Instant cash pooling for retailers to beat liquidity shortages together.
Libyan retailers suffer acute cash shortages from central bank liquidity crises, causing rejected card payments and alienated customers in a cash-dependent economy.
CashPoolLibya connects nearby retailers for peer-to-peer cash loans during crises. Borrow/ lend small amounts instantly via app, with auto-repayments from sales. Builds trust in Libya's cash economy without banks.
Libyan retailers in a cash-based economy
Geo-fenced P2P cash network exclusive to verified Libyan retailers.
supportive
KYC for retailers via phone/store docs.
Find lenders/borrowers within 10km radius.
Bankless cash handoff coordination.
Auto-track and notify repayments.
Rate users to build network reliability.
In-app messaging for deals.
View network activity.
Request from multiple lenders.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | Yes | |
| phone | text | No |
| store_location | text | No |
| trust_score | int | No |
| verified | bool | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| amount | int | No |
| status | text | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| request_id | uuid | No |
| lender_id | uuid | No |
| amount | int | No |
| repaid | bool | No |
Relationships:
/api/requests/nearbyList pools by location
/api/requestsCreate borrow/lend request
/api/transactionsRecord exchange
/api/profileUpdate verification
100 LYD max
5k LYD max
None
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 80 | 4% | $48 | $576 |
| Month 6 | 600 | 7% | $630 | $7,560 |
No banks needed – pool resources during Libya's liquidity crunches.
Post in Libyan retailer Telegram groups offering free Pro for first 3 verified users. Visit Benghazi markets for in-person signups. DM 10 owners from Facebook retailer pages.
P2P lending
Not cash/physical, no Libya
Offline cash handoffs for cash economy
Network effects from retailer density and trust scores.
Escalating CBL restrictions pushing informal mutual aid.
Low adoption
Incentivize with free credits
Informal lending regs
Frame as coordination, not loans
Default rates
Trust scores + small limits
Success: 8 yes
Success: 3 successful exchanges
Success: 50 verifs
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