See your next repayment step—not another highlight reel.
先看清下一笔怎么还，再进入一个不用假装富有的世界。
Try a fictional repayment example — no signup · 中文：先看虚构示例
If you have several debts or different repayment dates, start with See a fictional example. See how a plan brings debt entries, the next due date, and monthly cash flow together—without entering your finances or creating an account. If it feels useful, you can decide whether to create a continuing private plan.
中文：如果你有多笔欠款、几个还款日，先用虚构例子看看“欠哪些、最近该处理什么、这个月放不放得下”。不用先填真实债务，也不用先注册；觉得有帮助，再决定是否保存自己的长期计划。
Prefer exploring or building?
The workshop lets you combine five environments, five themes, and five accent colors. Previewing is temporary; submitting a build requires an account and explicit public-content consent. Only approved builds enter the shared world. No debt information is required for the design preview.
中文：工坊支持五种环境、五种主题和五种配色。免注册预览是临时草稿；提交需要账号与公开内容确认，审核通过后才会进入大世界。试玩设计不需要提供债务资料。
One useful observation is enough: where did you first hesitate, and what did you expect? Criticism is welcome; no signup, positive review, or personal story is required to try the preview. GitHub feedback itself requires a GitHub account.
Share one observation · Help test mobile navigation · Latest city build log
Do not post exact finances, passwords, account details, or private AI conversations. Progress is self-reported; exploring or receiving encouragement does not make a payment.
The new city is an interactive WebGL experience, not a concept render. Walk at street level, fly above the skyline, or travel straight to a district. Explore it before creating an account.
- Nine themed districts: a repayment beacon, cash-flow exchange, home quarter, credit arcade, learning dome, new-start works, echo plaza, shore harbour, and starlight gardens.
- A plan beneath the scenery: after sign-in, districts open the existing debt records, income/expense view, repayment history, and anonymous community.
- Progress grounded in life: the beacon reads recorded repayment progress. Flying, exploring, or receiving encouragement never reduces a balance or makes a bank payment.
- A world with room to grow: shared walkers, approved stories, and published community builds are spaced around an expanding outer promenade. Scenery is not counted as people.
- More ways to explore: WASD/arrows, drag-to-look, zoom, Space to inspect, a district directory, and touch controls. A lightweight classic map remains available in the signed-in world.
中文：上岸星球已升级为真正可以步行、飞行、点选和传送的 3D 赛博城市。房贷、信用卡、学贷、现金流、还款与匿名故事各有自己的街区。先免注册逛城市，再决定是否创建长期还款计划。 探索不等于还款，星光不等于金钱；只有用户记录现实中实际发生的还款，相关进度才会改变。
The public city preview is scenery-only: it does not fetch account records, upload debt entries, or manufacture users. Exact personal balances appear only in your private account view. Chinese and English are available; broader device and network feedback is welcome.
Try the city for three minutes, then tell us the first confusing, slow, or useful interaction. No personal debt details are needed and criticism is welcome.
Report a city experience · Three-minute walkthrough · Join the existing discussion
试玩不需要注册；在 GitHub 提交反馈需要 GitHub 账号。只留一个具体体验就可以：哪里卡顿、哪个按钮看不懂，或哪个地方真的有帮助。此处反馈公开，请勿附个人财务、账号或私人对话。
Latest build log and feedback guide · Eight launch-message angles · Roadmap · Safety
Actual product capture. Every visible walker uses system demo data. No real user debt, income, account identity, or private AI conversation is shown.
真实产品画面。所有可见角色均为系统演示数据，不展示真实用户的债务、收入、账户身份或私人 AI 对话。
See a fictional example in 10 seconds · 10 秒先看虚构示例 · Safety & privacy · 中文安全说明
- Open the beta and choose See a fictional example. No form, email, phone number, legal name, or signup is required.
- Debt World immediately shows a clearly labeled synthetic example: multiple debts, a nearest due date, cash-flow pressure, and one next fact to confirm.
- If the structure feels useful, choose Use my rough numbers. Amounts, debt types, income, living costs, and form content stay in the current page and clear when it closes or refreshes.
- The site records only anonymous funnel steps—example viewed, personalization started, and preview completed. It does not upload guest amounts or add them to the shared world.
- Registration appears only when someone chooses to save a continuing plan. Guest entries are not transferred automatically; every saved value must be confirmed again.
中文：打开公测后先选择 先看一个虚构例子，10 秒看到多笔债务、最近还款日、现金流压力和一个需要确认的下一步，不需要先填写表单或注册。觉得这种整理方式有帮助，再选择 换成我的大概情况 · 不上传。金额、债务类型、收入、生活开销和表单内容只在当前页面计算，关闭或刷新即清空，也不会进入共享世界。网站只匿名统计“看过示例、开始个性化、完成体验”三个步骤。只有用户主动选择保存长期计划时，才会展开匿名账号注册；访客填写内容不会自动转入账号，所有数据需要再次确认。
Please do not enter another person's finances or use a real password in guest-mode test notes. Never post personal debt amounts, income, bank details, identity documents, or private AI conversations on GitHub.
Social media can make ordinary people feel as if everyone else is rich. Debt World reverses that illusion. It helps people map real debt pressure, see repayment progress clearly, and discover that they are not alone.
上岸星球想反过来对抗“人均富豪”的网络错觉：把房贷、信用卡、学贷、医疗、经营、亲友借款等真实压力整理成匿名角色与现实进度，让普通人看见更接近真实的世界。
It is not a debt leaderboard and it does not promise a shortcut out. The goal is to make pressure legible, reduce isolation, and help people find realistic next steps.
- Enter one shared world that grows as new anonymous debt patterns appear.
- Organize multiple debts through conversation or manual entry.
- Track balance, APR, minimum payment, due date, income, living costs, and confirmed payment updates.
- Compare highest-interest, smallest-balance, and cash-flow-safety repayment lenses.
- Turn debt sources and progress into visible burdens, chains, labels, light, balloons, and clouds.
- Explore a zoomable world of reviewed anonymous stories and send fixed, safe encouragement.
- Select a country and understand amounts in the selected currency.
- Add, adjust, export, or permanently delete account and character data.
- Use Chinese or English; more languages will follow real user cohorts and human review.
- No legal name, phone number, government ID, bank card, or precise address is required.
- No bank is connected. Financial data is self-reported.
- Exact debt, income, expenses, passwords, and private AI conversations never enter the public map.
- Public stories require separate consent, sensitive-detail removal, and moderation.
- No stranger direct messages, lending, transfers, crowdfunding, collection leads, or paid debt-relief offers.
- Users can export account data, withdraw stories, and permanently delete their account and character.
- The sole owner admin sees operational counts, account status, submitted feedback, and moderation queues—not passwords or private AI conversations.
Kian can organize a free-form description into a draft, calculate simple interest references from user-entered rates, compare repayment lenses, and identify missing facts or next steps. Every draft must be confirmed by the user.
Kian is not a financial adviser, lawyer, doctor, credit bureau, lender, debt-relief company, or crisis service. It does not guarantee outcomes, recommend new loans, or make local legal conclusions.
Public registration is open at www.debtworld.org. No invitation code is required. Human verification, daily registration limits, moderation, reporting, and an emergency signup pause remain active while the product is tested.
- Report a confusing or unsafe interaction.
- Test slow networks, older phones, keyboards, and screen readers.
- Review Chinese or English wording.
- Propose a respectful name for a missing debt category.
- Help translate product, privacy, and crisis language after a language cohort opens.
- Review accessibility, privacy, financial-education, or consumer-safety boundaries.
Use GitHub Issues for product bugs and ideas only. Never post real debt amounts, passwords, bank details, identity documents, private conversations, or complete statements. Private personal feedback belongs in the website’s Feedback panel.
Debt World is an early public-benefit product being built with a very small budget. We welcome product, game-world, accessibility, privacy, moderation, consumer-safety, and native-language collaborators.
We are also open to responsible early-stage partners, grants, or funding that protect user privacy and never turn people in debt into sales leads.
This public repository is the project’s product-and-community home. Production source code, infrastructure settings, secrets, private operating notes, and user data are intentionally not published here. A source license has not been selected, so this repository must not be described as open source.
上岸星球不是比惨、欠款排行榜、贷款平台或债务减免机构。精确数据默认私密；公开故事需要单独授权并经过审核。小岸只提供教育性整理，不替代财务顾问、律师、医生或当地官方服务。
目前正在寻找产品、游戏化、无障碍、隐私、审核、消费者保护、翻译方向的协作者，也欢迎不牺牲用户隐私、不把负债用户变成销售线索的早期支持、赠款或融资合作。
公开测试已经开放，无需邀请码：进入上岸星球。