Help centre
Help & how-to guides
Use this page as an operations guide. It walks both seats — lender and borrower — through the on-platform wallet, marketplace deals, collateral, cashout, and verification gates. Every major step links into the product.
Wallet ecosystem
All USD on Swaplo lives in your ledger. LTC is the on-ramp and off-ramp; deals and fees move Available and Pending.
Available is spendable: fund a deal or request a cashout. Pending is locked — loan escrow after you lend, referral holds, or similar reserves. Only Available cashouts.
Top up by sending LTC to your deposit address (Wallet → Add Funds). After confirmations, received USD minus network fee credits Available. Minimum received ≈ $5. Network fee: 1% under $50, or $1.50 at/above.
Cashout sends LTC to an address you provide. Minimum gross $5. Same network-fee schedule. Operators process the payout queue.
For lenders
Lender flow — fund a listed deal
You supply capital against listed repay. Escrow-style Pending holds you until collateral locks or the window refunds.
- Go to Wallet
1. Sign in and open Wallet
Create or open your account (Telegram or email). Confirm Available balance and your KYC tier / monthly remaining volume.
- Add Funds
2. Top up with LTC
Send Litecoin to your deposit address. Wait for confirmations. Available rises by received USD minus network fee. Stay inside your monthly top-up + cashout tier limit.
- Go to Marketplace
3. Browse open deals
Marketplace lists amount, listed repay, term, collateral summary, and borrower trust. Open a deal page for the full statement before you commit.
- Browse deals
4. Fund — Available → Pending
Accept Terms and tap I lend. Your Available locks to Pending for the principal immediately. The borrower then has 45 minutes to lock collateral.
- Read FAQ
5. Collateral window
If collateral locks (coverage typically ≥ 1.5×), the loan starts and LTC can go to the borrower. If they miss the window, Pending returns to Available — you are not on-term.
- Cashout
6. Settlement & cashout
On successful repay, listed repay credits your ledger per Terms. Cash out Available LTC when you want liquidity — subject to KYC monthly limits.
For borrowers
Borrower flow — post, lock, repay
You post terms and collateral. After a lender funds, lock on time, receive LTC, and repay the listed amount.
- Go to Wallet
1. Sign in and prepare collateral
Know what you will lock (accepted types per listing). Deal sizes $1–$2000, term up to 14 days. Platform fee 1.5% of principal is borrower-paid on successful close.
- Post a deal
2. Post a borrow deal
Enter amount, listed repay, dates, collateral description, and accept Terms. Admin reviews before the board goes live.
- My deals
3. Wait for a lender
When funded, your 45-minute clock starts. Deliver collateral for lock — crypto via the lock path, or other accepted forms per operator process.
- My deals
4. Receive LTC after lock
Loan term begins only after collateral is locked. Operators assist sending principal LTC to you. Stay reachable in on-platform messages.
- My deals
5. Repay on time
Settle the listed repay (plus any late stages if overdue). Collateral returns per Terms when the loan closes successfully.
- Marketplace
6. Reputation
Repaid deals, defaults, and no-shows feed your public trust profile. Lenders read that beside every new listing.
Collateral & settlement
After a lender funds, the borrower has 45 minutes to lock accepted collateral worth at least 1.5× the loan (example: $100 loan → ≥ $150 collateral value). No lock → lender Pending refunds; repeated no-shows can cancel listings.
Crypto collateral is typically locked on-chain or via the platform lock path. Other approved assets follow operator escrow rules. Messaging stays on Swaplo so the dispute trail stays auditable.
After lock, principal restoration duties and force majeure limits are in the Terms — profit is the listed repay when settlement succeeds, not a bank deposit guarantee.
KYC / AML tiers
Monthly combined top-up + cashout (UTC calendar month) is gated by tier: Tier 0 up to $150, Tier 1 up to $750, Tier 2 up to $2000. Raise limits from Wallet via Didit. Tier 2 includes full ID, selfie/liveness, and AML screening.
Deposits that would breach the limit can be held until you upgrade or headroom frees. Frozen accounts cannot cash out until ops clear the hold.
Still need help?
If something is stuck — a held deposit, cashout queue, collateral window, or verification result — open a support ticket. Ops replies in-app (and Telegram/email when linked).