Collateralized peer lending · for lenders
P2P marketplace for short-term loans secured by collateral.
Capital that works on short, listed deals.
Fund a borrow request. Escrow holds you until collateral locks. You chase the repay they posted — fee paid by the borrower.
Lender math
Clear numbers before you fund
Every listing shows amount in and repay out. The example is how a deal reads on the board — not a guarantee of every outcome. After collateral lock, Swaplo’s duty is to restore your principal (except force majeure); profit is the listed repay when settlement succeeds.
You lend
$50
Available → Pending
Listed repay
$65
On successful close
The scarce seat
Borrowers show up. Lenders make the market.
Micro credit only works when people are willing to fund. Swaplo is shaped around that: listed repay, escrow Pending, 1.5× collateral, Trust Scores for who delivers — and who doesn’t.
- You pick the repayCompare deals before I lend — no foggy APY banners.
- You don’t pay the 1.5%Platform fee on success is charged to the borrower.
- Missed collateral = refund45-minute window; Pending returns if they no-show.
Safety stack
Why funding can feel calm
Layers that matter before LTC ever leaves the desk — and after lock.
- 01Pending hold
Your Available locks the moment you fund. Not free-floating.
- 021.5× collateral
Example: $100 loan needs ≥ $150 accepted collateral before release.
- 03Lock before start
Loan term and LTC payout begin only after collateral is locked.
- 04Principal duty
After lock, Swaplo restores funded principal except force majeure — see Terms.
- 05Trust Score
Public profiles show repaid, defaults, no-shows, and peer ★ from lenders.
- 06On-platform only
Messages stay inside Swaplo so disputes stay auditable — no off-app chase.
How it works
One flow. Two seats.
Same marketplace — switch the path. Compact process, not a photo essay.
- Top up LTC1
- Pick listed repay2
- I lend · Pending3
- Collateral lock4
- Repay credited5
You fund → Pending → collateral lock → listed repay on success. No lock in 45 minutes → auto-refund.
Collateral
What stands behind a deal
Default path: liquid altcoins locked on-chain. Exceptions only when admin can secure them for the full term.
- Altcoin · smart contractPrimary — tokens locked for the loan term
- Gift cardExceptional · escrow conversion
- NFTExceptional
- Other digital assetExceptional
Why Swaplo
Real reasons to fund here
Not slogans — the mechanics that protect your LTC on every deal you choose to fund.
Trust Score
Public track record
Repaid, defaults, and no-shows roll into a score on borrower profiles — not a private scorecard.
Peer ★
Lenders rate after repay
Ratings attach to the person you fund, so the next lender sees more than a nickname.
On-platform only
Audit-friendly chat
Messages stay inside Swaplo. Disputes stay tied to the deal — not a Telegram DM trail.
Earn Money
Earn Money
Invite a friend. When they repay a $200+ borrow, you earn $12 and they earn $5. Rewards land in Pending for 14 days, then unlock to Available.
Pricing snapshot
Simple for lenders
- 1.5%Platform fee — borrower pays on success
- Network1% under $50 · $1.50 at/above on top-up & cashout
- Late5% / day of repay · max 2 stages (borrower)
Ready to fund a micro deal?
Open the board, pick a listed repay, lend with escrow you can follow.