What a submission is
A signal submission is a report you send to the operator review queue about a specific borrower and a specific event. Submissions are not published automatically — they go through operator review before anything becomes visible in Signal Search.
This moderation step exists for a reason: a published signal affects how other lenders perceive a borrower. The review process ensures submissions are coherent, evidence-backed, and accurate in language before they go live.
What a submission must include
Every submission that reaches the review queue should have:
1. A specific borrower identifier. The Reddit username, Discord handle, or other platform-specific identity you are reporting on. Use the identifier you actually used when funding or communicating with this borrower.
2. A signal type. The category that best describes what happened: unpaid loan, late repayment, disputed context, or other applicable category. The signal type sets expectations for how reviewers and other lenders will read the result.
3. A source URL or verifiable reference. A link to a thread, post, or community context that provides evidence of the reported event. A submission without a source that an operator can independently check is unlikely to be approved. Screenshots alone are not source URLs — they're supporting evidence, not the primary reference.
4. Relevant dates. When the loan was made, when the due date was, when the default or non-repayment was confirmed, when you last had contact. Dates make the timeline legible.
5. Factual, conservative language. Describe what happened, not what it proves. "Borrower did not repay $150 due on [date] after three contact attempts over 30 days" is appropriate. "Proven scammer" or "fraudulent borrower" are conclusions you are not in a position to certify.
How review works
Submitted material goes to the operator review queue. Operators check:
- Whether the source URL or evidence supports the claim
- Whether the language meets publication standards
- Whether the borrower identifier is specific and traceable
- Whether the signal type matches the evidence
Submissions can be approved, returned for additional information, or rejected. If a submission is returned, you'll receive a message explaining what's needed. Rejected submissions are archived and do not appear in Signal Search.
Review is not instant. Operators review in sequence. Expect a delay between submission and resolution, especially if your submission needs clarification.
What gets published vs. what stays private
Signal Search shows:
- Approved signal type (unpaid, late, disputed, etc.)
- Dates and source context
- Confidence rating (derived from the evidence quality and number of contributors)
Signal Search does not show:
- Your private ledger notes
- Personal opinions or conclusions
- Communication content beyond what's needed to establish the event
Your private ledger records are never automatically included in a submission. What you include in a submission is what you choose to include — and it goes through review before it's visible to anyone else.
Before you submit
Ask yourself:
- Do I have a source URL the operator can verify?
- Have I waited long enough to be sure this is a default, not a delay?
- Is my language factual and free of conclusions I can't support?
- Is the borrower identity specific and accurate?
If the answer to any of these is no, wait. A premature or unsupported submission creates work for the operator and may be returned or rejected. Submitting after the situation is clear produces a stronger, more credible signal.
Publication standards
Published signals use specific, factual language about events. They do not include:
- Legal conclusions (fraud, theft, criminal intent)
- Slurs or personal attacks
- Claims based only on circumstantial evidence
- Private communication content not directly relevant to the reported event
If you encounter a published signal that appears to violate these standards, use the platform support workflow to report it.