Instant · Trustless · Stablecoin-Native

Borrow $10,000 USDT
Without Selling Your Assets

Lock your car, MacBook, iPhone, or Bitcoin as collateral — receive stablecoins instantly. No banks. No waiting. Just liquidity.

Get a Loan Quote See How It Works
$10k
Max Loan
24h
Avg Disbursement
40–60%
LTV Ratio
cNGN / USDT
Payout Currency
iPhone 15 Pro Max — LTV 40%
MacBook Pro M3 — LTV 45%
Bitcoin — LTV 50%
Toyota Corolla 2020 — LTV 55%
iPhone 14 Pro — LTV 38%
MacBook Air M2 — LTV 40%
Honda Civic 2019 — LTV 50%
Loans in USDT · USDC · cNGN
iPhone 15 Pro Max — LTV 40%
MacBook Pro M3 — LTV 45%
Bitcoin — LTV 50%
Toyota Corolla 2020 — LTV 55%
iPhone 14 Pro — LTV 38%
MacBook Air M2 — LTV 40%
Honda Civic 2019 — LTV 50%
Loans in USDT · USDC · cNGN
Accepted Collateral

What You Can Lock

High-value, liquid assets that we physically custody — so you keep ownership while we hold security.

iPhones
iPhone 12 and above. Device must be factory reset, iCloud removed, and in good working condition.
LTV up to 40%
MacBooks
MacBook Air & Pro, M1 or newer preferred. We verify serial, condition, and unlock status on arrival.
LTV up to 45%
Bitcoin
On-chain BTC transferred to a multi-sig custody wallet. Fully verifiable. Released on repayment.
LTV up to 50%
Cars (Phase 2)
Vehicles with clean title, no liens. Stored in our secured lots in Lagos & Abuja pending repayment.
LTV up to 60%
Process

From Asset to Stablecoins
in Under 24 Hours

01
Apply & Get a Quote
Tell us your asset type, model, and how much you need. We generate an instant LTV-based offer — no hidden math.
02
KYC & Ownership Verification
Government ID, live selfie, proof of purchase. We verify device IMEI, Bitcoin on-chain, or vehicle ownership docs.
03
Drop Off Your Collateral
Visit our Abuja or Lagos outlet. We photograph, seal, and store your asset. You sign the loan agreement.
04
Receive Your Stablecoins
USDT, USDC, or cNGN lands in your wallet. Need Naira? We route through off-ramp partners immediately.
05
Repay & Reclaim
Pay back on or before your due date. Bring your ID, we hand back your asset. Clean, simple, legal.
borrowcoin — loan-quote.json
// Loan quote generated
asset_type"MacBook Pro M3"
market_value₦2,100,000
ltv_ratio45%
max_loan$567 USDT
tenor30 days
monthly_interest10%
repayment_due$623.70 USDT
statusOFFER_READY ✓
custodyAbuja Outlet
payout_railUSDT / cNGN / NGN
awaiting_signature true
Loan Estimator

How Much Can You Borrow?

Adjust the values below and get a real-time loan estimate before you visit us.

Your Loan Estimate
Max Loan Amount
$900
900 USDT
Asset Value $2,000
LTV Ratio 45%
Monthly Interest 10%
Loan Tenor 30 days
Total Repayment $990
Apply for This Loan →
Why Us

Built Different, Operates
Different

No Bank Account Required
Traditional banks won't lend to you fast enough. We move in stablecoins — globally transferable, instant, borderless.
Physical Collateral Custody
We hold the asset. You hold ownership. Our secure storage vaults and on-chain custody eliminate disputes.
Same-Day Disbursement
Once KYC is done and collateral received, stablecoins hit your wallet within hours — not days.
Cross-Border Payouts
Need funds to land in Kenya, Ghana, South Africa, or Europe? We route your payout in local stables or fiat.
Fully Compliant & Legal
Licensed money lender in Lagos & Abuja. AML/KYC compliant. Loan agreements that hold up in court.
Naira-Volatility Shield
Borrow in USDT. Your loan value doesn't erode with naira swings. Keep your dollar-equivalent purchasing power.
Questions

Straight Answers

If you miss repayment after a 7-day grace period, your collateral is liquidated through our resale partners. Proceeds cover your principal, interest, and recovery costs. Any surplus is returned to you. No police. No drama. It's in the contract you sign.
Yes. All physical assets are stored in secured, CCTV-monitored vaults in Lagos and Abuja. Each device is photographed, sealed, and tagged with a unique inventory ID. Bitcoin is held in multi-signature wallets — you retain the ability to verify on-chain.
Yes. You can repay via cNGN stablecoin or NGN bank transfer from an account in your name. We apply the prevailing rate at time of repayment. USDT repayment is also accepted.
We assess the market resale value of your asset, apply a Loan-to-Value (LTV) ratio — typically 40–60% depending on asset class — and factor in liquidity score and depreciation risk. The result is the maximum you can borrow.
We currently disburse in USDT (TRC-20 / ERC-20), USDC, and cNGN. If you need NGN directly, we facilitate an instant off-ramp via our exchange partners — the funds arrive in your bank account usually within minutes.
We operate in Abuja (FCT) and Lagos. Exact addresses are provided after your loan application is pre-approved online. We're expanding to other cities — sign up to be notified.
Get Started

Your Assets Are Working
Harder Than You Are

Stop sitting on illiquid value. Unlock liquidity from your gadgets, Bitcoin, and cars — without giving them up.

Apply for a Loan → borrowcoin.monierate.xyz

Available in Lagos · Abuja ·  |  USDT · USDC · cNGN  |  Loans from $100 to $10,000