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FAQ's – Secured vs. Unsecured Credit Groups

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Written by Woveo Support
Updated yesterday

❓ What is a Woveo Credit Group?

A Woveo Credit Group is a community-based lending model where members contribute funds into a shared pool and take turns receiving lump-sum payouts based on a set schedule.

❓ What is the difference between secured and unsecured credit groups?

Feature

Secured Group

Unsecured Group

Payout Guarantee

Yes – backed by Woveo to ensure payout even with late contributors

No – payout depends on members contributing on time

Availability

Only for verified communities

Available to all Woveo users

Ideal Use Case

Rent, tuition, asset purchase, urgent bills

Savings, casual borrowing, group experiments

Platform Support

High-touch – includes intervention tools

Self-managed by group members/admin

Admin Requirements

Must complete KYB and ongoing reporting

No formal process required

❓ Why would a community choose a secured group?

Secured groups offer peace of mind—especially for time-sensitive needs. Woveo steps in to bridge shortfalls so payouts aren’t delayed.

❓ How does Woveo protect payouts?

Through a platform-managed security mechanism, Woveo covers gaps caused by late contributions or failed transfers so that group members can receive their scheduled funds on time.

❓ What does it cost to have a secured group?

Verified communities are enrolled in a monthly platform/portal fee. Interested communities can contact Woveo to learn more and apply.

❓ Can unverified communities upgrade?

Yes! Communities can apply to become verified and gain access to secured groups and other advanced features.

❓ Where can I get support?

Contact Woveo via in-app chat or email support@woveo.com to begin your verification or troubleshoot a credit group issue.

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