For savers
Lend your Vibes
The Bank will not pay you interest on deposits. Idle Vibes sit, spend, go into Ventures, or slowly face demurrage at pathological size. Apex is the honest yield rail: you lend existing Vibes to a Citizen who needs more than the starter package.
You fund the note
Your wallet pays the borrower on Bank rails. Apex never mints. Principal is your money. The 2% city levy still fires on the transfer.
Interest comes back to you
Private interest circulates. It is not retired. That is why this book prices 9–14% while the Bank starter print sits at 3.25–4.25%.
NVC Credit prices the risk
Every adult starts unscored. After that, payment history is public civic lendability. We do not import FICO. UBI cannot be taken.
Bobby is recruiting lenders
If you have savings and want them to earn, list a book. If you need more than First roof, a second shop, or a second chance after you burned Bank credit, borrow here. Starter loans still start at the Bank. Funding a matched note moves existing Vibes saver→borrower on Bank rails and records the Bank receipt — Apex never mints.