This marketplace does not perform collateral risk assessment. Lenders must evaluate collateral quality independently. No liquidation is used; if the borrower defaults, the lender receives the collateral. Prices and ratios are informational only.

P2P collateral lending

Borrow against long-tail ERC20 tokens.

Escrow collateral on Base, receive competing USDC offers, and choose the amount and APR that work for you. The loan clock starts when a bid is accepted.

Create requestBrowse requests
Borrower creates request and escrows ERC20
Lenders offer USDC amount and APR
Repay in full or lender claims after default

Lenders are not relying on liquidation.

A lender is accepting the possibility of owning the collateral outright. This MVP does not use price oracles, credit scoring, or pool-based risk sharing.

For borrowers

Choose collateral and duration, escrow the tokens, then select one competing lender offer. Lenders determine the proposed USDC amount and APR.

For lenders

Approve USDC and submit an offer. If accepted, the marketplace pulls the funds from your wallet using that allowance. Bid only on collateral you are willing to own.

Settlement

Early repayment still includes full-term interest. Repayment pays the lender automatically; after default, the lender must manually claim the collateral.