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For Borrowers

Access fast and reliable loans within a global decentralized network.

Borrowers in the Webtransfer system can obtain loans on competitive terms thanks to an innovative blockchain-based credit scoring system:

• Quick Approval: The review and approval process is minimized due to an automated scoring system.
• Flexible Terms: Loan conditions are adapted to your current financial state and social rating.
• Guarantor Option: Increase your chances of obtaining a loan by attracting guarantors from other network participants.

Utilizing the Webtransfer platform, borrowers can not only meet their short-term financial needs but also improve their credit history within the system, which opens the door to more favorable terms in the future.

Webtransfer offers two main types of loans: secured and unsecured, with the option to choose additional conditions for each:

Secured Loans:

These loans are issued against collateral in cryptocurrencies, stablecoins, NFTs, and other digital assets. Collateral minimizes the risks for creditors and allows offering lower interest rates to borrowers. Depending on the terms, the collateral can exceed the loan amount by 150-200%. For instance, a borrower might use their crypto assets to secure financing for business projects. Webtransfer credit certificates can also act as collateral.

Unsecured Loans:

Issued based on the borrower’s social credit rating without physical collateral. These loans carry a higher risk for creditors, which is reflected in higher interest rates. You can learn more about the social credit rating system and its role in evaluating borrowers in the section “Credit Scoring“.

Guarantor Rating: This parameter assesses the number of guarantors a participant has in their credit union or partner network, reflecting the level of trust in the system and their ability to attract guarantors.

The minimum loan amount is $50, the maximum is $1000, with a maximum term of 30 days.

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