Getting started
This documentation is one reading path. Read it from the start, or use the paths on the documentation home to jump to what you need.
The published reading path
- Start here. What Kapitala is, who it is for, and this guide.
- Purpose and principles. Why it exists, how decisions work, and the cooperative behind it.
- The cooperative. The intended first operator, its formation requirements, and what it must keep and file.
- How Kapitala works. Pools, participation, terms, hardship and exits.
- Research and evidence. Connected communities and the research agenda.
- Technical foundations. Midnight and selective disclosure, including capabilities, proposed uses and limits.
The roadmap connects these topics to the next steps: prepare the cooperative-operated first program in Siargao, learn from a small pilot, then work toward broader adoption and open collaboration. More detailed product material will be published as it is ready.
How to read the labels
Every article carries a status label. The labels distinguish explanation from availability:
- First public edition. Written for publication. Treat details as current intent rather than settled fact.
- Evidence review / research direction. Source-backed findings and open questions, not deployed Kapitala features or measured outcomes.
- In preparation. Announced but not yet published.
Membership and lending remain closed while the first program is prepared. An explanation of how a future program works is not an announcement that it is open or a certification of its legal permissions.
Proposals, amendments and approvals are distinct
Operating drafts and economics are being reconciled with the first program and are not published as current terms. A proposal is not an approval, and a public summary cannot amend adopted rules or legal requirements. See Rules and implementation status.
What is not on this site
Member records, internal operations, member data, correspondence and formation documents are deliberately absent. Public reading does not imply membership, eligibility or access to any lending program. See Transparency and privacy for how that boundary is intended to work.