Crypto-Collateralized Loans
Get instant liquidity without selling your tokens. Deposit your tokens as collateral and receive a stablecoin loan.
How Lending Works
A simple 4-step process to get liquidity from your tokens
Choose Token to Collateralize
Select which of your corporate tokens you want to deposit as collateral. The collateral value is calculated in real-time at the current market price.
Select LTV Ratio
Choose your desired Loan-to-Value ratio (from 25% to 65%). A lower LTV means lower interest rates and less liquidation risk.
Receive Stablecoin Loan
The loan is disbursed immediately to your wallet in USDT or USDC. Your tokens remain locked as collateral in the platform's smart contract.
Repay & Reclaim Tokens
Repay the loan (principal + accrued interest) at any time. Once repaid, your collateralized tokens are unlocked and returned to your wallet.
LTV Tiers & Interest Rates
Choose the leverage level that best suits your investment strategy
Example: $10,000 collateral → $2,500 loan received
Example: $10,000 collateral → $4,000 loan received
Example: $10,000 collateral → $5,000 loan received
Example: $10,000 collateral → $6,500 loan received
Solana How Crypto Collateral Works
Everything you need to know about loans secured by corporate tokens
What is Collateral
Collateral is the asset (your tokens) you deposit as a guarantee to obtain a loan. Tokens are locked in a smart contract until the loan is repaid. If the collateral value drops too much, it is automatically liquidated.
Loan-to-Value Ratio (LTV)
LTV indicates the ratio between the loan amount and the collateral value. For example, with $10,000 in tokens and a 50% LTV, you receive a $5,000 loan. A lower LTV offers better rates and greater safety.
Automatic Liquidation
If your collateral value drops and the LTV exceeds 85%, the system automatically liquidates part or all of the collateral to repay the loan. You can add collateral at any time to avoid liquidation.
Interest & Accrual
Interest accrues daily on the borrowed principal at the chosen annual rate. It is calculated automatically and added to the outstanding debt. The rate is fixed for the entire loan duration.
Flexible Repayment
You can repay the loan at any time, partially or in full. No penalty for early repayment. Upon full repayment, the collateral is immediately unlocked and returned.
Lending Benefits
You don't sell your tokens (you maintain upside exposure), you get immediate liquidity for new investments or expenses, rates are competitive compared to traditional credit, and everything is managed by transparent and verifiable smart contracts.
Practical Example: How a Loan Works
Marco owns 2,000 WIND tokens worth $4,900 (at $2.45 each). He needs liquidity but doesn't want to sell the tokens because he believes the price will rise.
He chooses a 50% LTV with an 8.5% annual rate. He deposits all 2,000 WIND as collateral and receives $2,450 in USDT directly in his wallet.
After 90 days, Marco repays the loan: $2,450 principal + ~$52 accrued interest = $2,502 total. The loan is closed.
The 2,000 WIND are unlocked and returned. Meanwhile, the price rose to $3.10, so his tokens are now worth $6,200. He obtained liquidity while keeping his investment growth!
FAQ - Domande sul Lending
Come funziona il lending su DoYouToken?
Depositi i tuoi token aziendali come garanzia (collateral) e ricevi un prestito in stablecoin (USDT o USDC). Il rapporto prestito/garanzia (LTV) va dal 25% al 65%.
Quali sono i tassi di interesse?
I tassi variano in base al LTV scelto: 4.5% annuo per LTV 25% (rischio basso), 6.8% per LTV 40%, 8.5% per LTV 50% e 12% per LTV 65% (rischio alto).
Quando avviene la liquidazione?
La liquidazione automatica del collateral avviene quando il rapporto LTV raggiunge l'85%, a causa di un calo del prezzo del token. Il sistema monitora i prezzi in tempo reale.
Quali token posso usare come garanzia?
Puoi utilizzare come garanzia qualsiasi token aziendale attivo presente nel tuo wallet DoYouToken. Il valore del collateral è calcolato sul prezzo di mercato corrente del token.
Unlock Your Tokens' Liquidity
Don't sell your tokens — use them as collateral to get instant loans and participate in new investment opportunities.