crypto loans

USDC Loans

Submit your crypto loan request with three easy steps.


Fill out a simple loan request form

Choose total loan amount, term, and the collateral.


Connect Metamask wallet

We're a non-custodial platform, so you have to log in with your own wallet. After connection, you will need to transfer the collateral.



You will receive your collateral back after you pay your loan.

Borrowing USDC with

Things to know about borrowing USDC with

The process of getting a USDC loan at is easy! It only takes four simple steps! However, before we can show you how, there are a few important things you need to know.

What is a USDC loan facilitates instant USDC loans for anyone HODLing of Bitcoin, Ethereum, or several other cryptocurrencies.

The loan amount will depend upon the loan-to-value ratio calculated via algorithmic smart contracts that determine the amount of collateral you’ll place.

Once finds an appropriate lender, you receive your loan amount instantly, and your collateral is locked in the smart contract.

You’re required to repay the loan and some interest at the end of the loan period. The lender can only liquidate your collateral if you default payment or the value of your collateral sinks way below a predetermined level.

Should you take a USDC Loan

You’ve seen the value of your digital assets grow over the years, and you believe there’s still great potential.

You don’t have to lose your long-term investment forever because of a temporary emergency when you can take a quick USD loan instead.

Once you take a USDC loan, your collateral is locked securely within the smart contract, and there are all chances that its value would have increased during the loan period.

As soon as you repay your loan plus interest, you receive the exact amount of cryptocurrency you placed as collateral.

The good news is that if the bullish trend persists, your digital assets will be worth much more.

If you spent the USDC you borrowed wisely or even re-invested it, you would receive an even more significant return on investment.

How to Apply for USDC Loans

Getting USDC loans has never been easier, there are four essential steps to follow, and you’re done.

  1. Visit and choose your collateral from the list of 15 available options before setting USDC as your preferred loan currency.
  2. Enter the loan amount, duration, and collateral.
  3. Connect your Metamask wallet, transfer the collateral to the smart contract, and click ‘Get Loan.’
  4. Receive your loan, spend it, and payback at the end of the loan period

That’s it, no complicated processes.

Why Take UDSC Loans

There are numerous benefits of taking USDC loans. With the crypto market developing to become like the stock market, you can borrow USDC coins and enjoy the benefits of crypto investment.

Some benefits of taking USDC loans include:

  • You can take advantage of short-selling opportunities,
  • Benefit from crypto hedging,
  • Perform day-to-day duties without selling your crypto assets,
  • Lower collateral ratio compared to other platforms,
  • Choose from 15 collateral options.

We are always here for you.

Easy to use is the fastest way to get involved with decentralized finance. From the application home screen, six clicks are all it takes to start earning interest or create a loan request.

Dedicated Support

How can we help you? Just send a message on Telegram or email, and we will be sure to reply.

Borrowers will have a much lower collateral ratio than on other platforms (for example Compound and Aave money-market funds).

Borrowers will have a wide choice of collateral.

Borrowers will have a fixed interest rate. There is no danger of fluctuating interest rates (for example entering a loan contract with a low-interest rate and seeing the interest rate explode).

Merchants can sell their products on credit to their clients, they just need to integrate widgets.

Clients would earn the merchandise and Merchant would receive the Credit-Coins (ccDAI, ccETH, …), which represent the underlying loans.

Merchant will be liquid with the Credit-Coins, he can submit them into the conversion orders in the order book, where the Personal Fixed Income Funds will pick it up and will return ETH or DAI to the merchants.

When Merchant will use traditional credit-cards, then his total costs can be up to 5% (transaction fees + VISA is returning the funds with a big delay). When Merchant is using, then his total costs will be perhaps 1% – 1.5%. This means Merchant will just earn more profit.

People are used to the traditional financial system and they are not thinking so much about how this system is working. However, the traditional financial system has strong side effects on society (which were very visible during the Lehman crisis):

Privatizing the benefits: In traditional credit systems, the interest rates brought by the loans bring benefits to the commercial banks. In the crypto credit system that is completely P2P, Smart Credit aims to distribute the benefits among all lenders by destroying the traditional credit system where only a few actors share their benefits.

Socializing the losses: The crises caused by the centralized economic system, which reached the point of obstruction, had a negative effect on all investors, users, and providers. And the responses to these crises are socializing of the losses.

The traditional financial system is not sustainable. That’s why we need an alternate financial system. That’s why we need a blockchain-based financial system – and that’s why we created