you have to join the 100 indulgences / month club. Then you can tag him, but be careful because if you tag him with bullshit, ccred will excommunicate you.

Ccred Restoring Hair & Edge Drops

#Highlights #2025CompetitionCommissionLaunch #25February2026 #Livingstone-#Zambia "Effective competition and consumer protection frameworks help reduce entry barriers, enhance price and quality outcomes, and attract investment. When markets are open and contestable...Small Medium Enterprises (SMEs) grow, consumers benefit, and innovation thrives." These are some of the key points which were echoed in the key note delivered by the CEO of the COMESA Competition and Consumer Commission ("Quad C"), Dr Willard Mwemba, during the panel session discussion on, "The Role of Competition Policy in Strengthening Small Economies (ICC)". This panel was held as part of the Launch of the new Regulations. The International Chamber Commerce (ICC) @iccwbo Report on small/insular economies was also highlighted during the panel discussion, such as, the highlight that in small economies market concentration is a feature. The session was expertly moderated by Mr John Oxenham, Primerio. Ms Natalie Edmund, Principal Secretary for Trade-Seychelles, Mr Vipin Naugah, Executive Director, Competition Commission (Mauritius) & Board Chairperson-Quad C @CompetitionMU, Ms Caroline Inthavisay, Global Policy Lead, Competition, ICC Competition Commission @iccwbo, Professor Simon Roberts, CCRED @CCRED_UJ, Mr Michael-James Currie, Primerio and Ms Elizabeth Gachuiri, former UN Trade and Development (UNCTAD) competition Expert @UNCTAD, all shared their experiences and thoughts on the subject matter. #AfricaCompetition #COMESA #QuadC #CCCC #COMESAMemberStates #COMESARegion #CommonMarket #smalleconomies #insulareconomies #competitionpolicy #SMEs #consumerpolicy

𝗧𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝗹𝗲𝗻𝗱𝗶𝗻𝗴 & 𝗯𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗶𝘀 𝗯𝗲𝗰𝗼𝗺𝗶𝗻𝗴 𝗦𝗢𝗖𝗜𝗔𝗟 𝗮𝗻𝗱 @𝗖𝗶𝗿𝗹𝗼_𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗶𝘀 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗶𝘁. Let’s talk about why Cirlo could change how people access credit in Web3 👇 🌟What is Cirlo? Cirlo is a social crypto lending platform where people can: • Borrow • Lend • Earn rewards • Build on-chain reputation All within trusted circles not traditional banks. 🌟The Problem Today Millions of people face: ❌ Limited access to credit ❌ Extremely high interest rates ❌ No financial reputation system in Web3 ❌ Trust issues in lending Traditional finance excludes many people. DeFi can be complex and impersonal. Cirlo bridges both worlds. 🌟Cirlo’s Big Idea 💪 Instead of anonymous lending,your reputation becomes your collateral. Cirlo introduces an Onchain Score that measures trust, activity and reliability. The better your behavior, the better your opportunities. 🌟How Lending Works Lenders on Cirlo: ✅ Provide liquidity ✅ Earn attractive APY ✅ Support real users instead of institutions Your crypto works for you while helping others access capital. 🌟How Borrowers Benefit Borrowers can: ✅ Access loans easier ✅ Build financial credibility ✅ Earn rewards (cCRED) for responsible repayment Yes good financial behavior actually gets rewarded. 🌟 Social Finance (SocialFi) Layer Cirlo isn’t just DeFi. It’s finance inside your circle. You lend and borrow among communities where trust already exists making lending safer and more human. 🌟 Earn Opportunities on Cirlo Users can currently: Get verified • Refer friends • Improve Onchain score • Climb leaderboard rankings Top users earn FREE stablecoins (USDC/USDT) monthly. 🌟 Why This Matters The future of finance is moving toward: ✅ Peer-to-Peer economy ✅ Reputation-based credit ✅ Borderless lending ✅ Community-powered finance #Cirlo is positioning itself right at this intersection. 🌟 Early Users Advantage 🚀 Early adopters can: • Build reputation early • Join the 100 Lenders Club • Earn ecosystem rewards • Become core community members before mass adoption. Early participation matters. 🌟 The Vision Imagine a world where you don’t need a bank to trust you, your onchain history speaks for you, that’s the future Cirlo is building. Web3 credit is evolving and Cirlo is worth watching. Follow 👉 @Cirlo_finance Join early. Build reputation. Earn while participating. #DeFi #SocialFi #Web3 #Crypto #Cirlo

GM Cirlonians. We have listened to your feedback and have tried to make more changes regarding the referral onchain activities. Going forward, you can now have more activities alongside your referrals that would earn you more cCred and stablecoins - You now have daily, weekly, and monthly activities in different pages, which means you can decide to choose whatever activities you want to focus more on going forward. - We decided to add daily streaks, so aside from your normal cCred you earn by being active on the platform daily, you can still earn weekly cCred if you stay active on the platform for 7 days. - Going forward, make sure you claim every milestone you cross on the achievement page. - Aside from your network tree to see how your network of referrals is growing, you can now get to see how many of your friends you were able to refer every week, which is to ensure transparency and dedication. Make sure you share every of your activity on the platform on all your socials and tag @Cirlo_finance and use the #cirlosocialactivities Our focus has always been to ensure we all have a protocol where anyone in your circle can perform social peer to peer lending and borrowing without any complexity, technicality while maintaining security, transparency, and trust at the maximum peak. Use Cirlo.

GM Cirlo Community! 🌍 Yesterday's Telegram community call was electrifying, and it's only fair that we share the highlights with everyone who attended and couldn't attend. 📍We dove deep into why we're building cirlo (The Vision, Mission, and the Future), a decentralized social peer-to-peer borrowing and lending protocol that puts financial access in the hands of everyday people. In markets where traditional and lending systems have failed us, we're creating something better, something fairer, something for you. 📍Your cCred isn't just a number, it's your reputation currency onchain. It's the trust you build, the reliability you demonstrate, and the loyalty you earn from both lenders and borrowers. This is how we're redefining creditworthiness for the real world. Now for the exciting part 🥁 We're leveling up the experience: 📍Daily tasks are coming. We're rolling out more engaging onchain activities across our socials in the coming days. Stay active, stay involved, this is how you position yourself as a top earner through our referral program, both before and after launch. 📍The achievement page is getting a refresh. Soon you'll have crystal-clear visibility into exactly how to maximize your earnings in the protocol over the coming weeks. 📍Daily quizzes start now. Learn about our product, understand the real problems we're solving in Africa and globally, and discover how you can continuously grow with us. This isn't just about building a product. It's about building a movement, a community that lasts. You're not just early. You're foundational. Let's build this together. 🚀

Prior before the Blockchain and even before Technology. Users have engaged eachother in social currency of lending and borrowing, known now as peer to peer. lending was built on Trust, Social currency and Transparency. different individuals of shared common goals come together, make a plan and lend and borrow from eachother, people they know and people that were recommended. Today we have the Blockchain, we own our Artificial intelligence in our palms in our hands shaping the world the way and how we either want or perceive it. In 2026. We are bringing back the natural but refined way of how we originally borrow and lend but this time using the Blockchain as our machine to reach millions of people through DeFi to provide financial services to users who appreciate Freedom, Transparency, and Trust while Imbibing social currency as a factor. @Cirlo_finance we are building a social peer to peer lending and borrowing protocol where anyone can borrow and lend crypto. - where users can fix the interest rate they want on their lend. - users can fix the date in which they want their lend to be paid back. - users earn interest rate on their collateral. - users get fast and instant notifications on the market signals on how their tokens are performing in the market. - and many more. @Cirlo_finance anyone can be who they want to be, your freedom back into your hands, the decentralization you once clamour for has been brought to you exactly where you are and guess what you are INCREDIBLY EARLY. Now you have the opportunity to build your reputation score, earn cCred by refering your peers to the protocol, create content , earn social currency, climb on the leaderboard and build a reputation that earn you to make DECISIONS in the protocol. remember we are building a social place where you can borrow, lend and earn. "All in your circle".

How to EARN USDC/USDT for FREE. - Massively refer your friends, those you like, trust and have built a connection with including your fellowers to cirlo while making sure you stay on-top of the leaderboard... - Make sure to perform the social activities, like, retweet, and even quote any post about cirlo that shows on your timeline and follow cirlo on all platforms. - Create content about cirlo. whatever content you are good at, with hashtag #buildyourreputationatcirlo and tag cirlo tooo. remember cirlo is your first peer-peer lending and borrowing protocol where anyone can borrow and lend crypto, "all in your circle". keep earning guys and make sure to flaunt/share your cCred everywhere on the timeline

@cirlo we are building a social, transparent and trusted protocol where users can lend and borrow crypto. Over the years DeFi lending protocols have proved to us it's technicalities, complexities and rigorous ways to lend but we strongly believe that anyone can either lend and borrow same as texting a friend and that's what Cirlo stands for. We introduce cCred (Build your Onchain score and reputation) now users would have the opportunity to build their reputation score by inviting their friends and communities to lend and borrow from each other. Your reputation score helps you build Trust, loyalty and transparency within the Cirlo Coven amongst your Tribe Members. Borrowers and lenders will see the reputation you have built, if you are a lender, you are easily trusted by borrowers to accept your lend and as a borrower, lenders will trust you more to lend from you. All in a trusted, transparent and safe network. The fun part. All users would be ranked on a leaderboard🥇🏅🎖️ and the Top ten users would have access to amazing benefits at Cirlo. Drum roll 🥁🥁🥁 A. Join our Top 100 lenders club 🎀. B. Exclusive "Idolo" 🎁🎁Delivery sent to you. C. Access to Cirlo Beta, features, new product development, Ambassador programs and community launch.🎯🎯 and much more like monthly giveaways. To qualify. Make sure to rank on the leaderboard and try not to be number 10. Access will be unlocked in a few days to join Your Coven. #BaseDecember @Cirlo_finance @Sir_Damilare @BasedWestAfrica @LionessAtEase @Anonofweb3

What’s a Detty December without @cirlo_finance though? We’re on our testnet and regardless, our earning streak is not limited This Base December, our top creators will earn cCred, building your onchain reputation and giving a genuine trust score for all lenders and borrowers.

🌀 BASE BATCH 002 RECAP As a @base enthusiast, I’ve been following every call, pitch, and onboarding moment from this second Base cohort. And one product really caught my attention @Cirlo_finance Stay with me ⏬ --- ▫️THE STORY THAT HOOKED ME During the @BasedWestAfrica Pitchathon Live, Cirlo’s founder @Nuelword5 shared something personal: When he lost his dad, and they were in need of funds his mum once used her gold as collateral to borrow money from a traditional bank just to pay his and his siblings school fees. The process? Endless paperwork, KYC stress, middlemen, and low returns. That pain birthed an idea make borrowing and lending simple, social, and fair. And that’s how CIRLO was born. --- ▫️WHAT IS CIRLO? CIRLO - The Social Way to Borrow and Lend Crypto. “Borrow. Lend. Earn. All in your circle.” It’s a social P2P platform where everyone can borrow and lend with crypto no banks, no jargon. A fun, transparent system that lets you: - use crypto as collateral, - access stablecoins instantly, - earn yield easily, without touching complex DeFi dashboards. --- 🚨 THE PROBLEM DeFi today feels like rocket science: ❌ Too technical for everyday users. ❌ Borrowers can’t easily use their crypto. ❌ Lenders can’t find trusted borrowers. ❌ African users face unstable fiat & liquidity issues. People want DeFi level yield without the headache. --- ▫️ HOW CIRLO WORKS Imagine you lock $1,500 worth of SOL to borrow $1,000 USDC. - Borrow up to 70% of your crypto value. - Interest is calculated daily, not fixed repay anytime. - Lenders set their own pool limits & interest range. - Borrowers build reputation scores for trust. Over time, this forms a “Circle of Trust” a social, transparent money market where everyone can see who’s reliable. --- ▫️ SMART SAFE HUMAN Cirlo adds real-world clarity to DeFi with: Collateral Health Bar like your phone battery percentage Visual indicator: - Safe (>130%) - Caution (120–130%) - Risk (<120%) Note: - Auto liquidation & backstop pool - protect lenders automatically. - Playful dashboard - live stats, top borrowers/lenders, and volumes. - No graphs to decode - just colors, scores, and trust. --- ▫️ WHY IT MATTERS (ESPECIALLY FOR AFRICA) According to Chainalysis (2025): - Sub-Saharan Africa processed $205B in crypto value (Jul 2024 – Jun 2025). Nigeria alone = $92.1B - the biggest in the region. Yet, less than 2% flows through DeFi. Why? Too complex. Cirlo changes that, human first DeFi for billions of users who just want access, not anxiety. --- ▫️ CIRLO’S VIRAL LAUNCH PLAN PHASE 1 — Join the Circle - Join Waitlist: cirlo-waitlist-2.vercel.app/ --- PHASE 2 — Earn Circle Credits (cCRED) Gamify trust & community growth: - Join channels → 10 cCRED - Refer friends → 20 - Post on X → 25 - Quiz → 30 - Weekly streak → 10 - Levels: Bronze → Silver → Gold → Diamond - Leaderboard updates like “You’re #233 globally! --- PHASE 3 — 100 Lenders Club - Goal: Bring first 100 liquidity providers. - Perks: Lifetime 0% fees, NFT badge, early beta access. - Publicly celebrate each lender — Meet Lender #24, funding the trust economy. Result → early liquidity strong social proof. --- ▫️ CIRLO’S CORE MESSAGE Finance shouldn’t feel like rocket science. It should feel like trusting your circle fun, transparent, and empowering. Cirlo = DeFi made human. A social P2P system where trust becomes currency. Do not miss out on the next big thing in Web3, do well to join the Telegram community x.com/cirlo_finance/status/1… X @Cirlo_finance stay tuned and enjoy the pitching yourself #base #basebuild #buildonbase #Airdrops #baseapp

Ccred sincer ca avem mai mult de castigat dintr-un dialog onest si sa privim situatiile si din perspectiva celuilalt. Dar plm, s-ar putea ca doar eu si Grok sa citim ce scriu eu aici. si asta doar daca ii dau tag @grok

"The food and agricultural markets were...identified as priority sectors because the improper functioning of these sectors would have significant consequences for the majority of the poor. Therefore, the CCC continued with its research work under the African Market Observatory project in collaboration with the University of Johannesburg’s Centre for Competition Regulation and Economic Development (CCRED) @CCRED_UJ . The research identified a number of competition concerns in the food and agricultural markets which are a product of not only anti-competitive market conduct but also inadvertent anti-competitive policies. The findings of the research and its recommendations were disseminated to various stakeholders including the #Ambassadors of Member States accredited to @COMESA_HQ , the COMESA Council of Ministers and the public. Through the advocacy work, the CCC working with the Competition Commission of South Africa (CCSA) and the Competition Authority of Kenya (CAK) have played a key role in introducing at global level through the International Competition Network, the importance of competition issues in the agriculture and food markets." Dr Willard Mwemba, CEO CCC For more details on the interventions of the CCC in #agriculturalsector in the #COMESARegion in the year 2024, the full copy of the CCC Annual Report for 2024 is available in the link; comesacompetition.org/resour… #AfricaCompetition #COMESA #COMESAMemberStates #COMESARegion #AnnualReport #Eswatini #Kenya #Uganda #Malawi #Rwanda #Zambia #Zimbabwe #SouthAfrica @CAK_Kenya @competition @CTCZimbabwe @CFTCMalawi @ESCCOM_eswatini @CompComZambia @CompComSA @mtic_uganda @uganda @InspectorateRw @adecorwanda @ucpaUG

Stakeholders Invitation to Attend ACER Week Early birds discount for Professional Training Programmes registration. Join us, together with our partners CCRED, to strengthen competition enforcement in Namibia.

It's all LARP. Also it's funny that these people kang on Ghengis Khan even though he m@$�red tons of Europeans.

Data must fall: Evidence from MTN SA, Nigeria and Ghana — CCRED - A leading university research group. competition.org.za/ccred-blo…

Data must fall: Evidence from MTN SA, Nigeria and Ghana — CCRED - A leading university research group. competition.org.za/ccred-blo…

probabil... dar incepe sa imi placa ideea si ccred ca o sa devina un titlu nu o jignire. fk off merkel , macaron and others dei, lgbtqy immigrant activists.

📊 Maize prices in Kenya and Malawi have soared, but Tanzania’s haven’t: economists explain why. @TC_Africa featured an article by @LandaniNamhla, @CCRED_UJ, and @Adi_Khomotso, CCRED & Shamba Centre. 📖⤵️ #competition #Africa @_TCglobal @ConversationUK theconversation.com/maize-pr…

CCRED is hiring! Join our dynamic team and be part of undertaking cutting-edge research while contributing to knowledge creation, training & capacity building and effective policy development on the continent! @CCRED_UJ