The On-chain
Platform for Secure Credit
Mollateral connects stakers, borrowers,
and merchant to earn, borrow and sell
Our partners
polygon
cragpay
Your Credit, Now Onchain
Reinventing Onchain Credit On Your terms
Stakers: Select borrowers, set terms via off-chain agreements, and provide an on-chain stake as a credit guarantee (not given to borrowers), earning yield when borrowers repay merchants.
Borrowers: Agree on collateral with stakers off-chain, use staker-backed credit to shop with merchants, repay merchants over time, with repayments unlocking better on-chain credit limits.
Merchants: Verify borrower credit on-chain, fulfill orders without repayment risk, and receive instant payment from the staker’s stake if borrowers default, expanding their customer base.
Stake as Guarantee: Stakers’ on-chain stakes act solely as a guarantee for merchants, enabling borrower credit without transferring funds directly to borrowers.
Repayment Process: Borrowers repay merchants directly; successful repayments trigger staker rewards, while defaults lead to stakers claiming borrower collateral.
Risk and Reward: Merchants face no credit risk, borrowers lose collateral on default, and stakers profit from repayments or collateral, supporting secure, asset-backed credit.
Join Mollateral’s On-chain
Credit Revolution
It’s secure, It’s rewarding – Be first. Get on the waitlist.
FAQS
Mollateral is a decentralized, on-chain credit platform that connects Stakers, Borrowers, and Merchants in a secure, transparent financial ecosystem. Stakers lock USDC on Polygon as collateral to back Borrowers to purchase products and services from Merchants on credit. Merchants offer credit to Borrowers with the assurance that if the Borrower defaults, the Staker’s collateral will cover the Merchant’s loss. In turn, Stakers earn rewards when Borrowers repay.