The protocol analyzes price, liquidity, token age, volatility, and sellability before making an offer. The system chooses the maximum safe amount.

How instant loans work

  1. The protocol analyzes your collateral token and offers the maximum safe amount.
  2. Accepting escrows your collateral and sends USDC instantly — no waiting for bids.
  3. Repay principal plus interest by the expiry and the collateral returns automatically. If you do not, the protocol can claim it.

Instant loans are conservatively priced. If you do not repay before expiry, your collateral can be claimed by the protocol.