Key Benefits
For Borrowers
Liquidity Without Selling NFTs
Need TON but don't want to part with a valuable NFT? Leave it as collateral and get funds. Repay the loan and the NFT returns.
Fixed Terms
The total amount due (principal + interest) is known before confirming the deal. No hidden fees, floating rates, or retroactive changes.
Early Repayment
You can repay the loan at any time before the deadline. Interest is calculated proportionally — the earlier you repay, the less you pay.
Fast Execution
The entire loan process — from sending the NFT to receiving TON — happens in a single blockchain cycle. No waiting for approval or manual confirmation.
For Lenders
Passive Income in TON
Provide liquidity and earn interest income. You receive 90% of interest on every loan.
Full Control
You set all terms: which collections to accept, how much to lend, at what rate, and for how long. Your strategy, your rules.
Collateral Protection
Every loan is backed by an NFT whose value exceeds the loan amount (LTV < 100%). In case of default, you receive the collateral NFT.
Ready-Made Presets
Don't want to configure settings? Choose a ready-made strategy preset:
| Preset | LTV | APY | Description |
|---|---|---|---|
| Conservative | 45% | 40% | Low risk, moderate yield |
| Balanced | 60% | 60% | Balance of risk and yield |
| High Yield | 75% | 80% | High risk, high yield |
Protocol Advantages
P2P Model
Unlike pool-based protocols, here each lender manages their own liquidity. This means:
- No "bank run" risk — your funds are isolated
- You know exactly which NFTs your GRAM is lent against
- Free balance can be withdrawn at any time
Built on TON
- Low transaction fees (~0.30-0.35 GRAM for the full loan cycle)
- Finalization in seconds, not minutes
- Telegram Mini App integration for convenient access
Cryptographic Protection
Lending terms are protected cryptographically. Borrowers cannot alter offer terms — the protocol verifies their authenticity automatically.
Open Order Book
A lender's strategy is a public order, analogous to a limit order on a DEX. Any borrower with a qualifying NFT can take the offer. Transparent and without intermediaries.