Get stablecoins for 10% APR. No terms, KYC/documents and no need to sell your crypto.
No credit checks. No registration
Fee-free and transparent repayments
Start with as low as 100 USDT
Your funds are protected and insured
The average period of giving loans and releasing collaterals is 5-10 minutes, depending on how fast we receive your deposit.
No credit checks. No account registration. The service stay private and anonymous
Only 10% APR
Low annual interest rate and no need to have any specific tokens in your portfolio.
How to Borrow Stablecoins
Launch the app
Open the Borrow tab and calculate your loan using different collateral options. You can check loan terms, annual interest rate, price down limits, and fees after setting a collateral amount and the currency you want to borrow.
Select your payout address and collateral amount ($100 or more) and confirm the operation. After sending, you will see a confirmation page with transaction details and will be able to connect notifications by phone number.
Use your loan as long as you want. We will just draw your attention on the rate of your collateral currency in time.
Get back your collateral
After paying off the loan, you will receive your collateral within 10-15 minutes.
1. How quickly can I get a loan and get my crypto back?
The average period of giving loans and releasing collaterals is 5-10 minutes, depending on how fast our partner receives your deposit. Kindly note that the current state of the network and the network fee size can affect the transaction speed. For your comfort, we're constantly checking the average fee amount and using it on the Loan calculator page.
2. Will the APR change during the loan time?
The annual rate of interest is 10%. This percentage is fixed, it will not change during the whole process. Remember, Guarda Wallet is only an interface, and there are no fees added by our service — it is free.
3. What if my phone number will be spammed or will go outside of your base?
There is no way for it to be possible. As you already know, our team (and so all of our partners) is especially careful about any sensitive data and access. Your phone number will always be protected and will only be used for important notifications. Remember, you can change the notification settings at any time after taking the deposit.
4. What if the collateral’s currency rate changes after I get a loan?
The collateral’s currency rate doesn't affect the amount of the loan buyback at the time of closing. You will receive the exact amount of collateral for the exact amount you loaned (+ accumulated APR). It doesn't matter if your collateral currency's rate goes up or down — it doesn't affect the amount you borrow. In fact, after your loan is repaid you get back the exact amount of collateral for the exact amount you borrowed before (+ accumulated APR).
5. How much is the service fee?
The service fee is 10% of on-chain rewards.
6. What can happen with my collateral?
Our partner carefully keeps it safe for the whole period. Although, if the rate of the collateral currency reaches the LP (liquidation price), the collateral will be automatically liquidated and the loan will be closed. It is impossible to return the collateral after liquidation – that’s why you will receive a notification when the current rate reaches any risk zone or the liquidation price.
7. What happens when I deposit my collateral?
After your collateral deposit transaction is successfully confirmed, our partners process your funds through the automatic risk management system. A simple check may be possible if the system notices anything uncommon — this helps to reduce scams and fraudulent activities in the crypto world, and it is important to understand that if you encounter a check. After the successful check, if it is needed, the loan will be transferred to the wallet you’ve selected at the start. Then, after your funds have reached you, your loan becomes active. As a reminder, it can be active for as long as you’d like. Just keep in mind that you're accumulating the APR the whole time your loan is active, and it needs to be paid at the end when you'll repay your loan and get your crypto back.