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Under-collateralized loansbacked by reputation.

Bringing the web2 loan experience into web3.

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Unlloo loans

Personal Liquidity Line

Live terms

Loan limit

$12,500

Based on reputation signals

APR

9.8%

Improves with reputation growth

Reputation

742

NewPrime

Collateral

None

Duration

30–90d

Settlement

On‑chain

Backed by innovation

Supported by leading web3 organizations

ETHGlobalDCNZ - DecenzioSTU FIITAgarthaHuman PassportWebacy

Borrow without the collateral headache.

Unlloo turns your on-chain history into a credit profile, so access feels like web2, while settlement stays on-chain.

Step 1

Connect & verify

Link your wallet and optionally verify identity signals. Unlloo builds a reputation baseline from your on-chain footprint.

Step 2

Get dynamic terms

Credit line, APR, and limits adapt to your reputation profile. Stronger behavior unlocks better rates over time.

Step 3

Borrow & build

Repayment strengthens your reputation, unlocking higher limits and better terms. Your reputation and loan terms evolve with you.

Built like a modern web3 product.

Minimal, elegant, and trust-forward. Premium interaction design, with on-chain settlement and transparent signals.

Reputation-based borrowing

Your on-chain behavior becomes a lending profile—transparent, verifiable, and designed to improve with good repayment.

Under‑collateralized

Access liquidity without locking up your life savings. Collateral can be reduced or eliminated, based on trust signals.

Web2 experience, web3 rails

A familiar flow and clear terms, backed by on-chain settlement and transparency.

Dynamic terms that evolve

Rates and limits adjust as your reputation changes. Better behavior should mean better loan terms automatically.

Frequently Asked Questions

Everything you need to know about Unlloo

Unlloo is an EVM compatible DeFi protocol that enables zero or under-collateralized loans based on reputation. We bring the familiar web2 loan experience to web3, allowing users to borrow without locking up over-collateral.
We analyze your on-chain activity, including transaction history, protocol interactions, wallet age, loan repayment history, and more. By integrating with multiple identity and reputation protocols, we create a comprehensive reputation that determines your borrowing capacity and terms.
No and Yes! That's the revolutionary part. Unlike traditional DeFi loans that require over-collateralization, Unlloo allows you to borrow based on your reputation and trustworthiness in the web3 ecosystem. You can borrow with zero collateral or a partial amount locked, depending on your reputation and type of loan.
Unlloo is being built for EVM-compatible chains. We'll announce specific chain support as we approach launch. Join our community to stay updated!
Build your reputation by maintaining consistent on-chain activity, interacting with reputable protocols, participating in DAOs and governance, repaying loans on time, and engaging with the web3 community. The more you contribute positively to the ecosystem, the better your reputation.

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