The digital financial investment platform Daric has just filed with the SEC for an initial public offering. (See full filing documents below.)

Daric enables its lender-members to buy payment-dependent notes — up to $10 million in notes at any given time — as peer-to-peer loans. Members must be highly qualified with low debt and good credit. Daric provides a social overlay and portfolio builder and says its investments/loans are backed up with gold.

Notes mature in three years, and Daric takes a cut of the interest along the way.

The company took a single round of angel funding in 2012 from Goldcrest Investments, Jennifer Johnson, Jay Leupp, and Bob Ghoorah.

Daric was incorporated in Delaware in April 2011 and plans to launch operations in California, New York, Texas, Illinois, and Florida.

The company is based in Redwood Shores, Calif. Its CEO is Greg Ryan, and its advisers include L.A.-dweller Eric Jackson, CEO and cofounder of CapLinked, which connects entrepreneurs and investors. Competitors include Prosper Marketplace, Virgin Money, and Zopa.

Here’s the full filing:

Daric- S1