Pricing
Simple, transparent fees
Micro loans from $1.00 to $2000.00. Borrowers post deals; lenders fund them. Platform fee on success, late fees if overdue, and a tiered network fee on each LTC top-up and cashout (1% under $50.00, $1.50 at/above).
Verification limits
Monthly combined top-up + cashout (UTC calendar month) depends on your verification tier. Raise limits in Wallet via Didit.
- Tier 0 — up to $150.00 (Telegram / email)
- Tier 1 — up to $750.00 (phone + basic identity)
- Tier 2 — up to $2000.00 (full ID + selfie)
Platform fee
1.5%
Of the lending amount (principal), charged on every successful loan — when repayment is confirmed. The borrower (buyer) pays this fee. Lenders are not charged a platform fee.
How it works
- Fee base: loan principal only (not the repay amount). Rate = 1.5%.
- Who pays: the borrower — the party receiving the LTC loan.
- When: on successful close (admin confirms repayment). Defaults / cancelled listings do not trigger this fee.
- Lender credit: lenders still receive the full listed repay amount into Available. The fee is collected from the borrower separately (included in settlement LTC).
Examples
Platform fee = lending amount × 1.5%
| Lending amount | Platform fee | Paid by |
|---|---|---|
| $50.00 | $0.75 | Borrower |
| $100.00 | $1.50 | Borrower |
| $250.00 | $3.75 | Borrower |
| $500.00 | $7.50 | Borrower |
| $1000.00 | $15.00 | Borrower |
| $2000.00 | $30.00 | Borrower |
Late fees
5% / overdue day
After the repay date, if the borrower has not fully settled, a late fee of 5% of the stated repay amount applies each 24 hours, up to 2 stages. Example: repay $120.00 → day 1 overdue +$6.00, day 2 +$6.00, then collateral liquidation. Reminders are sent throughout.
Collateral window
When a lender clicks I lend, funds lock to Pending and the borrower has 45 minutes to deliver collateral to admin. Missed windows refund the lender; three no-shows cancel the listing.
Borrower settlement
On a successful close the borrower settles the listed repay amount plus the 1.5% platform fee (LTC equivalent). Example: borrow $100.00, agree to repay $115.00 → fee $1.50 → total due $116.50.
Network fees (LTC)
1% under $50.00
$1.50 flat at/above $50.00
Designed for micro tickets: small top-ups and cashouts pay a light percentage; larger ones pay a capped flat fee. Separate from on-chain miner fees (paid by the sender when they broadcast).
- Top-up: LTC is valued in USD (received). Fee is computed on that received amount; Available credit = received − fee. Paid by the depositor. Minimum received: $5.00.
- Cashout: Enter the gross USD amount. Available is debited for that gross when sent. LTC ≈ gross − fee. Minimum gross: $5.00.
| Amount | Network fee |
|---|---|
| $10.00 | $0.10 |
| $25.00 | $0.25 |
| $49.00 | $0.49 |
| $50.00 | $1.50 |
| $100.00 | $1.50 |
| $500.00 | $1.50 |
What is free
- Account signup (email or Telegram)
- Browsing the marketplace
- Posting a deal for admin review
- No loan-style platform % fee on cashout (only the tiered network fee above)