EthicHub is a ReFi (Regenerative Finance) protocol helping unbanked farmers access capital at low interest rates in a win/win model where all stakeholders benefit from interacting. Its crowdlending platform was launched in June 2018, and to date (January 2023) it has intermediated over $3M in micro loans to more than 600 families in 5 countries. EthicHub’s innovative crowd-collateral secures the platform's loans, creating a de-risking system to reduce the perception of risk when investing in smallholder farmers in emerging economies. EthicHub’s community buy the $Ethix tokens and stake them on behalf of unbanked farmers, enabling a trustful environment for impact investing, because in case of a loan default the Compensation System is able to pay back the lenders not only their principal but also the interest.