Under-collateralized loansbacked by reputation.
Permissionless credit rails for Ethereum.
Mainnet is next - the small cohort gets in at launch. Takes a minute.
Loan Request
Requested
8,520 USDC
Funded by up to 200 lenders
Max APR
14.5%
Set by borrower within 10–20%
Reputation
742
Collateral
None
Funding
7 days
Crowd Loan Escrow
On‑chain
Backed by innovation
Supported by leading web3 organizations
Fund loans directly.Earn on your terms.
Pooled lending markets pay lenders around ~5%. On Unlloo you fund individual loan requests at a rate you set, with a recommended range of 10–20% APR.
Rate comparison
You set the rate on every offer, within the borrower's max APR. Returns vary with your selection and repayment, and a protocol fee applies to interest earned.
How it works
You choose who to fund
Browse loan requests, each carrying a 0–1000 reputation score. Make offers only on the borrowers you trust. Your funds stay in on-chain escrow until your offer is selected - withdraw anytime before then.
Reputation-scored borrowers
Funds held in non-custodial escrow
Launch status
Live in beta, mainnet next
Unlloo is live in beta - connect your wallet, explore open loan requests, and follow the full lending lifecycle today as we move toward mainnet on Ethereum.
Beta live on testnet
Mainnet on Ethereum next
Borrow without the collateral headache.
A peer-to-peer lending lifecycle: publish a loan request, lenders fund it, you pick the offers. Funds live in escrow from start to finish.
Publish your loan request
Set the amount, your max APR (10–20%), funding deadline, and repayment deadline. Your 0–1000 reputation score is attached automatically for lenders to see.
Lenders fund your loan
Up to 200 lenders offer to fund a slice of your loan, each at their own rate, with funds locked in escrow. Reach 80% by the deadline, or everyone is refunded.
Pick your offers, then borrow
Choose which offers to accept and assemble your funding mix - no algorithmic matching. Funds release from escrow, and on-time repayment grows your reputation.
State‑of‑the‑art reputation engine.
Unlloo fuses identity signals and wallet history into a single reputation signal you can use to borrow.
Your Reputation
0–1000
Calculated in real-time from verified signals
Identity Signals
Output
Lender-driven terms
Default token
USDC (Circle)
APR range
10% – 20%
Frequently Asked Questions
Everything you need to know about Unlloo
Still have questions?
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