Swaplo

Swaplo runs a peer-to-peer board for collateralized micro loans. Borrowers post amount, term, and listed repay. Lenders fund from an internal USD ledger topped up with Litecoin. Operators assist collateral lock and settlement — the counterparties remain the users.

Deal sizes run from $1 to $2000, terms up to 14 days. Platform fee is 1.5% of principal on successful close, paid by the borrower. Network fees on LTC top-up and cashout are published on Pricing.

We are marketplace technology operated by Ozer LLC. We are not a bank, credit union, broker-dealer, or licensed fintech lender. Users lend to and borrow from each other; Swaplo supplies the software, ledger holds, and operator-assisted rails.

We design for listed economics over vague promises: you see lend-in and repay-out before you fund. After collateral locks, our duty on funded principal is defined in the Terms — including force majeure limits. Profit is the listed repay when settlement succeeds, not a guaranteed yield product.

When a lender funds, Available moves to Pending immediately. The borrower has 45 minutes to deliver accepted collateral (coverage at least 1.5× the loan). No lock in that window → Pending returns. Lock clears → term starts and LTC can leave to the borrower.

Reputation is public: trust score, repaid counts, defaults, no-shows, and peer ratings sit on borrower profiles so lenders can read history beside the statement — not as decoration after the fact.

Lenders come for short, listed deals with escrow-style holds and a clear collateral gate before capital is at risk on-term. Borrowers come when they can post real collateral and accept borrower-paid fees for fast, time-boxed liquidity.

Both sides stay on-platform for deal messaging so disputes stay auditable. Off-app chase is not the product.

Identity tiers gate monthly top-up and cashout volume — Tier 0 up to $150, Tier 1 up to $750, Tier 2 up to $2000 — with full ID and AML screening on the highest tier via Didit. Limits protect the rail; they are not a marketing badge.

Details live on the Identity Verification guide. Thresholds and legal copy continue under counsel review.

Swaplo is operated by Ozer LLC, 1209 Mountain Rd Pl NE, Albuquerque, NM 87110, USA. Support: support@swaplo.co.

Binding rules are in Terms, Privacy, and Refund & Settlement. This page describes the product stance; it does not replace those documents.