Lending Strategies
A strategy is a set of terms under which you're willing to issue loans: which collections to accept, how much to lend, at what rate, and for how long.
Strategy Parameters
| Parameter | Description | Example |
|---|---|---|
| Collection | Which NFTs you accept as collateral | TON Diamonds |
| Loan amount | How much TON to lend per NFT | 50 TON |
| Interest rate | Annual rate (your income) | 50% |
| Duration | Minimum and maximum loan term | 3-14 days |
A single strategy can include different collections with different parameters.
Ready-Made Presets
Don't want to configure manually? Choose a preset:
Conservative — low risk
- LTV 45% — loan amount well below NFT value
- APY 40% — moderate income
- Best for beginners and stable collections
Balanced — middle ground
- LTV 60% — average loan amount
- APY 60% — average income
- For experienced lenders and top collections
High Yield — high income
- LTV 75% — high loan amount
- APY 80% — high income, but higher risk
- For those ready to receive NFTs on default
How It's Protected
Strategy terms are cryptographically secured. For every loan, the contract verifies that conditions are genuine and haven't been tampered with. Creating a fake offer on your behalf is impossible.
Public Order Book
A strategy is an open offer, like a limit order on an exchange. Any borrower with a qualifying NFT can take it automatically, without your approval. As long as your vault has free TON, loans will be issued.
Management
- Update — change terms at any time. Active loans aren't affected
- Delete — new loans stop being issued. Active ones continue
Recommendations
- Stable collection -> LTV 50-65%
- Volatile collection -> LTV 30-45%
- Start with Balanced preset and adjust based on demand
- Include multiple collections for diversification