Community+ works best with context
Clear amount, purpose, story, timeline, and plan help supporters decide faster.
Support is structured
Interest/return, due dates, and approval still happen through formal support offers.
Trust matters
Responses, comments, completed plans, and consistency help members build reputation.
What is Community+?
Community+ is a community support board built into the Urgent2K marketplace. Instead of quietly applying for a pre-existing offer and waiting, you can share your support request with context, let the community react, and have supporters can respond directly.
Think of it like a market square — you announce the support you need, others show support or offer to give support, the right supporter finds you and creates a formal offer, and everything moves through the same platform.
Posting a Support Request
From the Marketplace, click the Community+ tab, then tap the composer bar at the top.
Write a title
Be specific and human. "Need ₦200K to restock my shop before Christmas" works far better than "Need help."
Tell your story
Explain why you need the money, how you plan to repay, and anything that builds trust. You can @mention supporters you've noticed on the platform.
Set amount and purpose
Enter the exact amount and choose the closest purpose category: Business, Education, Medical, Home, Agriculture, or Personal.
Post to Community+
Your post goes live immediately and is visible to all logged-in users. You earn +10 member requesting support points for posting.
Reactions
Every post has three reaction types. They carry intent and affect both visibility and community score.
| Reaction | What it means | Points |
|---|---|---|
| 🤝 Support | "This person looks legit" — a vote of confidence. | +1 you · +5 author |
| ❓ Question | "I need more info" before considering whether to give support. | +1 you · +2 author |
| 💰 Will Offer | Supporters: opens the offer creation modal. Members requesting support: registers as a reaction. | +1 you · +8 author |
Only one active reaction per post is allowed at a time. Tapping the same reaction again removes it. Tapping a different one switches it.
Comments & @Mentions
Tap the comment count on any post to expand the thread. Press Enter to send, or use Shift + Enter for a new line.
@Mentioning users
Type @ followed by at least one character to trigger the mention dropdown. Mentioned users are highlighted in cyan within the comment thread.
Every comment earns you +3 member requesting support points.
Sharing Posts
Tap the share icon on any post to copy a public link anyone can visit — even without an Urgent2K account. Sharing earns you +2 member requesting support points.
Public visitors can see the post, up to 3 comments, and reaction counts. All interactive features still require login.
Support Offers from Posts
If you're a supporter, tap 💰 Make Offer on a post. A modal opens pre-filled with the amount — you set the interest rate, frequency, and duration. On publish, two things happen automatically:
A comment is auto-posted
It tags the member requesting support with their @handle and includes a direct link to the offer so they can apply in one tap.
The offer appears in the marketplace
It's a real support plan offer visible on the Support Offers tab. The auto-comment helps ensure the post author sees it first.
Getting Supported
When a supporter creates an offer in response to your post, their comment appears with a direct link. Follow the link, review the terms, tap Apply for Support Plan, wait for supporter approval, and once approved, the funds hit your wallet and your post is marked ✅ Supported automatically.
Getting supported earns you +50 member requesting support points — the biggest single jump in the system.
Viewing User Profiles
Tap any post author’s avatar or name to open their public profile. It shows their trust score and score bar, support plan history (total, active, repaid, defaulted), repayment rate, community badge, KYC status, and member-since date.
No sensitive information is ever shown — no wallet balance, phone number, email address, or NIN.
Badge System
Community+ has separate progression tracks for members requesting support and supporters. Your badge appears next to your name on every post and comment. Both badges display simultaneously for dual-role users.
Member Requesting Support Track — The Hustlers
| Badge | Min Score | How to reach it |
|---|---|---|
| 🌱 Freshie | 0 | Just signed up |
| 👀 Learner | 15 | First support plan application or a few comments |
| 🗣️ Gist | 50 | Posting requests, commenting, and reacting |
| 🔥 Faya | 130 | Consistent posting and community engagement |
| 🌶️ Pepper | 320 | Multiple approvals and active repayments |
| 🚀 Mover | 600 | Sustained get support with strong repayment behaviour |
| 🎯 Chopped | 1,100 | Multiple supported posts and fully repaid support plans |
Supporter Track — The Money Men
| Badge | Min Score | How to reach it |
|---|---|---|
| 💵 Owo | 0 | Just signed up as a supporter |
| 🤲 Helper | 20 | Create your first support plan offer |
| 💪 Hardman | 70 | Approve applications and disburse support plans |
| 💰 Moneybag | 180 | Multiple active support plans and consistent give supporting |
| ⚡ Odogwu | 400 | High recovery rate and a strong track record |
| 👑 Chairman | 800 | Sustained high volume and recovered support plans |
| 🏆 Oga | 1,500 | Undisputed — multiple completed support plans and top activity |
FAQ
Can I edit or delete a post after publishing?
Not currently. Post a comment update on the same thread and create a new post if your request changes significantly.
What if no supporter responds?
Your post stays open indefinitely — there is no expiry. Keep engaging in the comments to maintain visibility.
Can I post multiple support requests?
Yes. But one well-written, focused request usually performs better than several simultaneous ones.
Does a supporter's offer go only to the post author?
No — it appears in the public marketplace and anyone can apply. But the auto-comment helps ensure the post author sees it first.
What's the difference between trust score and community score?
Credit score reflects your support plan repayment behaviour. Community score reflects your engagement on Community+ — posting, commenting, reacting, and getting supported.
Is my post visible to people outside Urgent2K?
Yes, if you or anyone else shares the link. The public page shows the post and the first 3 comments. All interactive features still require login.