A date both sides
can plan around.
The borrower sets the collateral and repayment. A lender chooses whether to fund the request. The clock starts when the loan is funded.
Read the agreementBuild the terms
- Lender receives
- 101.80 BSC-USD
- Protocol fee, 10% of interest
- 0.20 BSC-USD
0.5 WBNB stays locked for the funded loan.
One agreement.
Two possible endings.
Pay the agreed amount. Get your WBNB back.
Repay before the due time. The lender receives principal plus net interest, the protocol receives its interest fee, and your collateral returns in the same transaction.
For the borrower.
Use a fixed amount of BSC-USD without selling your WBNB. You know the repayment before the request goes live.
Early repayment is allowed. The agreed interest stays the same.
Request a loanFor the lender.
Inspect the collateral, repayment and term before committing capital. Funding sends the principal directly to the borrower.
If the deadline passes unpaid, you can claim the WBNB. Its value may be below the amount you lent.
Explore requestsThe collateral stays put.
The market does not.
Held does not use an oracle or liquidate when a price moves. The agreement ends through repayment or a default claim after maturity.
Understand collateral and defaultKnow the terms.
Can I cancel an unfunded request?
Yes. The borrower can cancel before funding and reclaim the full collateral. Once funded, the loan follows its agreed repayment and maturity.
When does the loan term begin?
At the funding transaction. An unfunded request has its own expiry window, separate from the funded loan term.
Is collateral claimed automatically?
No. After the due time, the lender submits a claim transaction. Until then the contract holds the collateral. Repayment is allowed only before the due time.
How does Held charge a fee?
The protocol receives 10% of the agreed interest when a loan is repaid. The rest of the repayment goes to the lender. No protocol fee is charged on collateral claims.
Which network can I try?
The app currently uses BNB Testnet and clearly named TEST assets. Mainnet is activated only after the actual deployment is verified.