Lending

Put your idle assets to work and earn passive income. Our decentralized platform allows lenders
to provide liquidity in exchange for competitive interest rates.

  • Secure and smart contract-driven lending

  • Transparent interest rates

  • Flexible withdrawal options

How Lending Works

  • Step 1

    Sign Up & Verify

    Create an account and complete the ID verification.

  • Step 2

    Lend USDT

    Connect wallet, provide liquidity and earn.

  • Step 3

    Earn

    Receive passive income as borrowers utilise your funds.

Borrowing

Access liquidity without selling your assets. Our borrowing solutions are designed for individuals
who need quick and efficient financial support.

  • No credit checks or intermediaries

  • Instant loan approvals

  • Competitive and dynamic interest rates

  • Collateralized borrowing with multiple asset options (ETH & WBTC)

How Borrowing Works

  • Step 1

    Sign Up & Verify

    Create an account and complete the ID verification.

  • Step 2

    Lock Collateral

    Connect wallet, lock collateral and borrow the liquidity.

  • Step 3

    Pay Back and Reclaim Collateral

    Repay the loan and retrieve your locked assets.

Loan-to-Value
Loan-to-Value (LTV)

The LTV ratio determines how much collateral a borrower needs to lock to receive the funds. By requiring over-collateralization, the borrower is less likely to face immediate liquidation if the market moves against their collateral.

Liquidity Threshold
Liquidity Threshold

This is the point at which your collateral is subject to liquidation. If market fluctuations cause your LTV to exceed the liquidity threshold, part or all of your collateral may be liquidated to cover the outstanding loan.

Roadmap

Roadmap Dark

Founder

Meet the founder

Arlo Washington is a visionary entrepreneur and financial innovator whose extraordinary journey from barber to banking leader has inspired thousands globally. He is the Founder and President of People Trust Community Loan Fund (CDFI) and the Founder and CEO of People Trust Community Federal Credit Union (MDI) institutions created to drive economic empowerment, financial inclusion, and generational wealth in underserved communities. Under his leadership, People Trust has disbursed more than $50 million in Paycheck Protection Program loans to over 2,600 small businesses, fueling entrepreneurship, preserving jobs, and revitalizing local economies nationwide who otherwise wouldn’t have had the opportunity. His story and impact are featured in the Oscar-nominated documentary short The Barber of Little Rock, which brought national attention to the wealth gap and the power of community finance.

Arlo serves on the Community Development Advisory Council for the Federal Reserve Bank of St. Louis and on the Board of Directors of Opportunity Finance Network (OFN), helping to shape national strategies for equitable finance and inclusive economic growth. He is also the founding President of Washington Barber College, which has produced more than 1,000 graduates and created over 1,400 jobs across the southern region and abroad.

Grounded in faith, resilience, and community values, Arlo Washington continues to pioneer pathways for people to build wealth, own businesses, and achieve lasting financial independence proving that inclusive finance is both transformative and attainable.

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