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Loans are a Pro page

They are for borrowing or lending between two wallets for a fixed time. If you just want to trade a coin now, Swap does it in one tap.

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Borrow or lend, wallet to wallet.

A lender sets the amount, the days and a flat rate. A borrower locks collateral and gets the loan at once. Repay before the deadline and the collateral comes back; miss it and the lender takes it. No price feed, no liquidations.

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"Cover" is what the least collateral is worth at the pools now, against the loan. It is a guide for you: the contract never uses a price.

The deadline is the only rule

Nothing is sold if a price drops. The borrower has until the deadline; after it, the lender can take the collateral. Lenders pick what they accept and how much.

Escrow per deal

Each offer, request and loan has its own escrow on chain that owns itself. Only a take, a repay, a claim, a cancel or the end date can move what it holds.

One small fee

0.5% of the loan, taken when it starts. Posting, repaying and cancelling are free.

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