BDB Labs
Credit powered by your community
What is BDB Labs?
Trust as Credit
BDB Labs is a proposed system that allows entrepreneurs to access loans backed by their own trusted network. Lenders earn fair interest, and with each loan, a solid financial record is built that can be used in the future.
Community Backed
Loans supported by people who know and trust you
Fair Returns
Lenders earn reasonable interest on their investment
Build Credit
Create a portable financial history for the future
Why Trust as Credit?
Credit should start from relationships people already rely on.
Trust Becomes Backing
BDB Labs turns everyday trust into real backing for a loan, using money from your own network as the starting point.
The Problem
In Latin America, many entrepreneurs can’t access bank credit because they lack verifiable credit history.
Extremely High Interest
Some entrepreneurs end up paying 150–200% interest at pawn shops.
Losing Valuable Items
They risk losing items with sentimental value just to keep going.
A Costly Cycle
Without credit history, they stay stuck in an expensive and risky loop.
How It Works
Community + Professional Backing
Step 1: Community Raises
You raise 30–50% of the loan from people who believe in you and your business. This is shared investment with real risk.
Step 1: Community Raises
You raise 30–50% of the loan from people who believe in you and your business. This is shared investment with real risk.
Step 2: Professional Funds Complete
Once that goal is reached, professional funds automatically complete the rest, without paperwork or long waiting times.
Step 2: Professional Funds Complete
Once that goal is reached, professional funds automatically complete the rest, without paperwork or long waiting times.
Step 3: Funds Released in Stages
40% upfront, 30% after the first milestone, and 30% at completion—approved by the community.
Step 3: Funds Released in Stages
40% upfront, 30% after the first milestone, and 30% at completion—approved by the community.
Network Effects
Stronger Together
As more people participate, the system becomes more valuable for everyone. Reputation earned in one context can be recognized in others.
Portable Reputation
Communities don't start from zero each time. Existing relationships help new participants access opportunities faster.
The more responsibly you participate, the stronger and more valuable your financial profile becomes.
Who’s Behind BDB Labs
Tatiana Borda
Product Designer · Backend Engineer
Product designer and backend engineer with 5 years of experience building reliable, scalable systems, including work at Santander Tech. Focused on turning complex architectures into production-ready services.
Connect
Elisa Araya
Ecosystem Designer · Full-Stack
Ecosystem designer with a full-stack background and experience building public digital systems at Argentina’s Ministry of Women. Focused on practical, fair financial tools for real-world adoption.
ConnectTogether, we combine strong technical execution with a deep understanding of community needs.
Follow the pilot
We're building this in the open with our community. Join the list to hear when the pilot launches and what we learn along the way.