PEOPLE TRUST

Community Loan Fund

Certified CDFI - U.S. Department of the Treasury

PEOPLE TRUST is a non-profit 501c3 COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION LOAN FUND, Certified by the U.S. Department of Treasury CDFI FUND SINCE 2016.

People Trust is an Equal Opportunity Lender. We do not discriminate on the basis of race, color, religion, sex, marital status, disability, age, or national origin.

Donate to The Causes You Care About

DONATE

U.S. Treasury–certified CDFI: Since 2016
total lent: $72M+
loans funded: 10,034
people served: 35,119

Lifetime figures. See our impact

People Trustnow

Wire received · +$500.00

People Trust2m ago

Converted $100 to USDC

Lending portal1h ago

Loan application received

Tangem Pay3h ago

Card topped up with USDC

People Trustyesterday

USDC sent to your wallet

Who we are

Local roots. Here to stay.

People Trust was founded on a simple belief: fair credit and a safe place for your money should reach every neighborhood.

In Arkansas, 9.7% of households have no bank account and 22.6% are underbanked. Payday lending is banned here, and many low-income neighborhoods still have few places to borrow fairly.

Since 2016 we've lent to those communities as a Treasury-certified CDFI. Now we're adding accounts that hold US dollars and USDC, so members can save, send and spend at internet speed.

How a loan fund became a financial home

We got certified
The U.S. Treasury CDFI Fund certified People Trust as a community lender in 2016.
We lent
Small business and consumer loans for Arkansas families.
See what we've lent
We stayed fair
Loans at 10% with terms up to 60 months. Never a payday lender.
We modernized
Member accounts hold US dollars and USDC, with bank connections through Plaid.
We're launching
Checking, savings and a stablecoin Visa card, all in one place.

Digital dollars, for every neighborhood.

Every product shows its real status, so you always know what you can use today.

Open an account Explore digital dollars

People Trust Digital Dollars

Live

Hold, convert and send USDC from one account.

Start with digital dollars →

You convert

US dollars

USD

You receive

USDC

RateOne to one

NetworksEthereum or Polygon

Stablecoin card

Partner · Tangem

Spend USDC anywhere Visa is accepted.

Learn about Tangem Pay →

Stablecoin accounts

Coming soon

Checking & savings in US dollars and USDC.

Includes

Checking in USD and USDC

Savings in USD and USDC

One account for both

People Trust Lending

Live

Fair loans for people and small businesses, with terms from 90 days to 60 months.

See our loans →

10%

Interest rate

Coaching

Live

Grow with people who know you.

Learn more →

Topics include

Budgeting and credit

Business planning

Technical assistance

The People Trust difference

Fair, by default.

We don't start with a product to sell you. We start with what you need to get stable, then build from there.

Never predatory
We have never been a payday lender.
Verified and protected
We verify every member's identity, confirm every withdrawal with your password, and you can add a sign-in code by text or email.
Held with care
Digital dollars are held in institutional-grade custody wallets. Bank links run through Plaid.
Owned by the mission
A nonprofit 501(c)(3) that answers to the community it serves.

Four steps. Then it's yours.

All online. No branch visit.

Create your account
Sign up with your email address and confirm it from your inbox.
Confirm it's you
Check your ID right on the page, the same kind of check banks and lenders use.
Add US dollars
Send a wire. Most wires arrive the same or the next business day.
Convert, spend or borrow
Convert to USDC, spend it, or apply for a loan.

Open an account Sign Up to Apply

Your People Trust account

1 · In

Wire transfer

US dollars from any US bank

Bank transfer

Coming soon

2 · Hold + convert

US dollar balance

Your dollars, ready to use

Convert

USD to USDC, one to one

USDC balance

On Ethereum or Polygon

3 · Out

Your own wallet

Live

Tangem Pay card

Live

Savings

Coming soon

How the money moves

Dollars in. Digital dollars out.

USDC is a stablecoin built to stay worth one US dollar. Wire in dollars, convert them, and send USDC to your wallet or your Tangem Pay card.

Card partner · Tangem Pay

Spend USDC anywhere Visa works.

Tangem Pay is a Visa card inside the Tangem app. You pay with USDC, and the store is paid in regular currency. Top it up with USDC on Polygon straight from your People Trust account. Add it to Apple Pay or Google Pay.

Learn about Tangem Pay

Tangem Pay is provided by Tangem and its partners, not People Trust. We may earn a referral fee when you sign up through our link.