Prototype · Phase 1

Settlement Marketplace

The two-sided settlement layer. A consumer makes an offer on a debt; the creditor reviews and accepts, counters, or declines from their own dashboard. Escrow holds funds until the tradeline commitment is documented.

Get Cirqul Verified

Connect your bank in 30 seconds. We'll send creditors a read-only snapshot of your monthly resolution capacity with every offer. Verified offers get accepted more often because creditors know the number is real.

Read-only · disconnect any time · doesn't affect your credit score

Your accounts

4 accounts · $8,912 total
Potential savings
$4,833
If you settle all 4accounts at suggested rates, you'd pay about $4,080 on $8,912 owed — saving 54%. Settling now also stops about $89/mo in interest and fees from piling on. Starting points are based on each account's age and creditor type. Final outcomes depend on what each creditor accepts.

Make an offer

Current balance $4,280
$89/mo accruing. At 24.99% APR this balance grows by about $1,068 a year if you do nothing. Settling stops it.
Offer type
Lump-sum amount$2,568Suggested starting point: $2,568 (60% of balance) based on account age and creditor type.
Total payoff
$2,568
You save $1,712vs. balance (40%)

Funds are held in escrow at Mercury until the creditor accepts. If they reject or counter, your money is returned automatically.

Across these accounts, roughly $89/mo is being added to your balances in interest and fees. Settling stops the bleeding.

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