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Pledge

NEAR mainnet
Example — preview · not live

Pledge

Borrow NEAR without publishing your full balance

A lender reviews one declared minimum; only a verified sealed certificate certifies it. The full balance stays private.

Lender delivery risk · public lending is off

Funding is not delivery. If the borrower never claims principal, or a payout callback is UNKNOWN, capital can stay locked indefinitely. No timeout refund.

Review as the named lender →

Loan or partial swap?

Same net usable NEAR now, after the loan bond and quoted upfront cash costs; restore the same USDC later. Both keep the NFT/address.

Bond: 0.009 NEAR locked, not a fee. Net after bond alone: 0.001 NEAR. All-cost usable liquidity is not yet quoted. Permanent payout storage: not yet quoted. It is counted once in upfront costs, never returned with the bond. Setup, route, compute and gas costs require fresh quotes before a comparison.

Comparison unavailable at this size. No same-ledger current forward/reverse quotes are available here.

Fixed repayment: 0.0101 NEAR. Expected future NEAR income is not guaranteed. Frozen USDC is unavailable; default forfeits the entire account. Unpriced lock, default and availability risks are not zero.

Pledge

2h term + 15m grace
fixed repay
Bronze #42Example key
You pledgeDeclared floor · not yet verified
0.50
USDCNEAR
You borrowTo your wallet
NEARmainnet
You repay0.0101 NEARDue only after confirmed native delivery · example
Named lender lender-demo.nearExample

One-time payout storage: exact fee quoted before your first action; nonrefundable and reusable (0.0032 NEAR at the tested byte price).

Whole account is collateral — while pledged it can't trade, withdraw or transfer; miss repayment and the lender can claim it.

Lender sees: floor ≥ 0.50 USDC · Balance: hidden

Active loan

Frozen
Bronze #42
Swap · withdraw · transfer · list locked

Due only after confirmed native delivery · example

Repayment books lender credit; custody thaw and cooldown are separate

Borrowed
0.01
Floor sealed
≥ 0.50
Funding certificate is historical after activation; current lien/freeze is a separate check
Forfeiture · FX · frozen capital.
  • On default, the whole key and vault can move to the lender (claim path, not a browser timer).
  • Debt is NEAR; floor is raw USDC — no oracle, no LTV.
  • Exit caps: $1/trade · $5/day — lender recovery is not instant cash.