Unlloo Public Beta (Sepolia Testnet) →

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Under-collateralized loansbacked by reputation.

Permissionless credit rails for Ethereum.

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Loan Request

Requested

8,520 USDC

Funded by up to 200 lenders

Max APR

14.5%

Set by borrower within 10–20%

Reputation

742

NewPrime

Collateral

None

Funding

7 days

Crowd Loan Escrow

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.

View your reputation dashboard

Your Reputation

0–1000

Calculated in real-time from verified signals

Score

Identity Signals

Human Passport
Webacy
Ethos Network
Talent Protocol
growthepie
Zeru zPass
Octav
Blockscout
+ more

Output

Lender-driven terms

Default token

USDC (Circle)

APR range

10% – 20%

Backed by innovation

Supported by leading web3 organizations

ETHGlobalAgarthaHuman PassportWebacyBlockscoutGrowth the PieZERUOctav

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.

YOUR CAPITAL12,400 USDC4,200+11% APR5,000+9% APR3,200+14% APRDiversified across borrowers, each at its own rate

Rate comparison

Pooled protocols (e.g. Aave)~5%
Unlloo (recommended)10–20%

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

Browse loan requests and fund a loan

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.

Step 1

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.

Step 2

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.

Step 3

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.

LOAN REQUEST1,000 USDCFunded100%80% minimum2 accepted offers fund your loan in full
For borrowers. Publish once, then accept the offers you want — here two lenders fund the full 1,000 USDC, clearing the 80% minimum.
LENDER OFFERS700 USDC8% APR300 USDC10% APR200 USDC12% APRrefundedSelected mix1,000 USDC
For lenders. Offer at your own rate. The borrower assembles the final mix; unselected offers withdraw instantly.
Publish a loan request

Frequently Asked Questions

Everything you need to know about Unlloo

Unlloo is a DeFi protocol on Ethereum for under-collateralized peer-to-peer crowd loans. Borrowers publish loan requests; up to 200 lenders fund each request. Smart contracts hold all funds in escrow - Unlloo never custodies user money.
We compute a 0–1000 reputation score from your on-chain history (Ethereum, Arbitrum, Base, Avalanche, Optimism) plus third-party signals from Human Passport, Webacy, Ethos Network, Talent Protocol, growthepie, Zeru zPass, and Octav. The score is displayed read-only to lenders so they can decide whether and how much to fund - it cannot move funds on its own.
Less than you'd think. Unlloo's reputation engine lets you borrow with zero or partial collateral. Lenders evaluate your reputation score and choose to fund your request - pricing is set by individual lender offers within your max APR (10–20%).
After you publish a request, lenders have a funding window to submit competing offers, each specifying a principal amount and interest rate within your max APR. Each offer is locked in escrow on submission. There is no automatic matching. If at least 80% of your requested amount is offered, you proceed to selection. Otherwise, every lender is automatically refunded.
You do - the borrower. After the funding window closes you have up to 7 days to select any combination of offers and partial amounts, as long as the total reaches at least 80% of the requested amount. Selection is borrower-controlled. Counterparty preference, prior relationships, and bilateral terms can all factor in alongside rate.
Ethereum.
USDC. Support for additional tokens is in the works and may be added in the future.
No. Every transfer is mediated by a smart contract - submission, escrow during the funding window, release to the borrower, repayment, and lender claims. Unlloo is non-custodial at every stage. There's no direct peer-to-peer transfer at any point, and there's no platform wallet that ever touches your money.
Not at the contract level. Unlloo is permissionless by default - any wallet can create a request or submit an offer. The reputation engine evaluates on-chain behavior and identity signals (like Human Passport proof-of-personhood) without requiring legal identity disclosure.
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, the better your score - and the better the lender offers you attract.

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