Peer to Peer lending
Thinking about lending on CollaFi? Here's what's actually in it for you.
CollaFi is peer-to-peer NFT lending on
@hedera As a lender, you're not dropping HBAR into a pool and hoping for the best, you're funding individual loans you've personally reviewed, against collateral you've personally assessed.
Here's why that matters:
🟠 You choose the risk, not an algorithm
Every loan is a separate opportunity. You see the collateral, the amount, and the terms before you fund anything. No pooled exposure to loans you never agreed to.
🟠 Real collateral backs every loan
This isn't unsecured lending. Every loan is backed by an NFT from a collection CollaFi has actually reviewed and approved, not just anything, anyone.
🟠 No messy liquidation process
If a borrower doesn't repay by the deadline, there's no auction, no waiting, no complexity. The NFT collateral transfers straight to you, automatically.
🟠 Short, fixed terms
The standard loan term is 7 days. You're not locking up capital for months, you know exactly when a loan resolves, one way or another.
🟠 Terms you agree to upfront
Interest is set between lender and borrower at the point the loan is made. Whatever you agree to is exactly what's displayed, no surprises after the fact.
🟠 Non-custodial, always
Built on Hedera's native services. Your HBAR, your decision, your keys, CollaFi never takes custody of your funds.
🟠 Earn Leaderboard points
Every loan you fund counts toward your position on the CollaFi Leaderboard, on top of whatever the loan itself earns you.
Worth saying plainly: lending isn't risk-free. NFT values move, and if a loan defaults you end up holding the collateral, not guaranteed HBAR back. Assess every loan on its own merits before funding it.
Secure. Collateralized. Digital.