Qualification for zero-collateral loans is based on our proprietary wallet credit scoring system. The system analyzes your on-chain history, transaction patterns, and overall crypto activity to determine your creditworthiness. Even new wallets can qualify for loans up to $30,000, while wallets with extensive history may qualify for up to $70,000.

Our risk-free lending system works through a combination of collateralized loans and our smart contract risk management protocol. When you deposit assets into the lending pool, borrowers must provide collateral that exceeds the value of their loan. If they default, their collateral is automatically liquidated to repay lenders, ensuring you always get your assets back plus interest.

Interest rates vary depending on market conditions and the asset you're lending. On average, our lenders earn between 5-15% APY. You also have the ability to set your own interest rates when providing liquidity, allowing you to optimize returns based on your risk tolerance and market knowledge.

Funds are typically disbursed immediately after loan approval. Our smart contract system processes applications within minutes, and once approved, the funds are transferred directly to your wallet with no additional waiting period.

For collateralized loans, if you can't repay on time, a portion of your collateral will be liquidated to cover the loan amount and interest. The exact amount liquidated depends on how much of the loan you've repaid. For zero-collateral loans, late repayments will affect your wallet credit score, potentially limiting future borrowing capacity. We recommend contacting support if you anticipate repayment difficulties.