"Instant" doesn't mean there's no process — it means the process is short, entirely online, and doesn't involve a bank appointment or a credit pull. Here's exactly what happens between opening the app and having funds in your own wallet.
You pick a loan amount and, the first time only, submit your identity details alongside it: legal name, date of birth, occupation, income, address, and a photo of a government ID or passport plus a selfie. Repeat loans skip this step entirely once your identity is on file and approved.
A real person reviews the application — not an automated credit score. Approval unlocks the next step immediately.
Once approved, you have a 30-minute window to send any amount between 1 and 5 USDT or USDC — from the same wallet you want your loan paid to — to a deposit address we give you. This isn't a fee or a deposit against the loan; it's proof you actually control that wallet, since crypto transfers can't be reversed or disputed the way a card payment can. The range exists because some exchanges enforce a minimum withdrawal above $1. If the window closes before it arrives, the application cancels automatically and you'll need to wait 10 days before applying again.
The moment that deposit is confirmed, you give us the destination address and the loan principal is queued for payout — typically within 30 minutes. From there, the money is yours to use, and your 30-day repayment clock starts running.
That's the whole flow: apply, get approved, prove wallet ownership with a small deposit, receive the loan. No collateral is locked up, and no bank account is involved at any point.
Ready to see your own rate and terms?
Get a loan →