Applications
Under-Collateralized Lending
BetaBorrow against a score instead of an over-collateralised position.
Reads
Credit score
Collateral
Below the loan
Funds
Stay in the account
Applications
Reads the score
Over-collateralised lending does not care who you are, only what you posted. Credit lending inverts that: the higher the score, the more the same collateral lends and the less it costs to borrow.
This is the engine doing the thing it was built for.
How it works
Qualify
Entry starts in the high-credit band, on a score that refreshes daily. Any default on record is a permanent refusal.
Open a facility
One revolving credit line per address, with a fixed maximum life. Your tier is captured when it opens and does not move with your score until you settle.
Draw in tranches
Draw against the line in parts. Each draw carries its own term, capped by whatever is left of the facility's life.
Trade inside the account
Funds land in a controlled trading account tied to your address, for trading, copy trading and whitelisted vaults.
Repay whenever
Part or all, at any time. Once the facility is settled you can open a new one at your current tier.
What the tier changes
There are four tiers above the entry threshold. Moving up does three things at once: the line grows, the collateral required shrinks, and the rate falls.
The figures are set at launch.
Two things to know before borrowing
The principal does not leave
Borrowed funds stay inside the controlled account from draw to settlement and are used within the platform. Profit can be withdrawn under the rules; the principal cannot be moved to your own wallet or any outside address.
A default is permanent
An address that defaults can never borrow here again, and closely linked addresses are barred with it. Clearing the shortfall restores everything else — the lending ban does not lift.
In internal testing, running against the live model. There is nothing to open yet.
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