[[Lending Pools]] are specialized funds within the [[UBI Foundation]]'s [[Time Reserves]], designed to cater to different needs and aspirations. They function much like pools in decentralized finance, offering a diverse range of options for users to engage with the time-based economy. Each pool operates with its own unique terms, fee structures, and objectives, attracting lenders and borrowers with specific goals in mind. Examples of Lending Pools could include: - **First Time Home Buyers Pool:** Supports individuals in achieving their dream of homeownership by providing access to time loans. - **Higher Education Pool:** Facilitates educational pursuits by offering time loans for tuition, books, and other related expenses. - **Small Business Pool:** Empowers aspiring entrepreneurs by providing time-based capital to start or expand their ventures. This decentralized approach empowers individuals to participate in a financial ecosystem that reflects their personal priorities, fostering a sense of community and shared purpose within the UBI framework.