Unlloo Public Beta (Sepolia Testnet) →

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Under-collateralized loansbacked by reputation.

Bringing the web2 loan experience into web3.

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Personal Liquidity Line

Loan limit

$8,520

Based on reputation signals

APR

9.7%

Improves with reputation growth

Reputation

742

NewPrime

Collateral

None

Duration

30–90d

Settlement

On‑chain

State‑of‑the‑art* reputation engine.

Unlloo fuses identity signals and wallet history into a single reputation signal you can use to borrow.

*Developed by engineers formerly at Deloitte, KPMG, IBM, Softec, Fumbi, and the Slovak University of Technology.

View your reputation dashboard

Your Reputation

0–1000

Calculated in real-time from verified signals

Score

Identity Signals

Human Passport
Webacy
Talent Protocol
Ethos Network
Growthepie
Blockscout
+ more

Output

Personalized terms

Max loan

$100 – $10k

Est. APR

8% – 18%

Backed by innovation

Supported by leading web3 organizations

ETHGlobalAgarthaHuman PassportWebacyBlockscoutGrowth the PieZERU

Supply liquidity.Target higher APY.

Popular DeFi lending markets can sit around ~5% APY. Unlloo targets an estimated 10–20% APY by lending to approved borrowers.

APY comparison

Other lending protocols (e.g. Aave)~5%
Unlloo (est.)10–20%

Estimates shown for positioning only; rates vary with utilization and market conditions.

Safety model

Lent to approved borrowers

Borrowers request loans and are reviewed before they can borrow from pools. This keeps the supply side aligned with quality demand.

Advanced reputation engine

Reputation-based limits

Supplier perks

Extra benefits at mainnet launch

Supplying during beta can qualify you for additional supplier benefits when mainnet goes live. Stay tuned for more details.

Early supplier status

Mainnet benefits eligibility

Supply liquidity and start earning immediately

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 behavior.

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.

Get your reputation score and borrow

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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