NewLive on NEAR Testnet

Pawn Your Coins,
Keep the Upside

Borrow USDC against ZEC for a fixed repayment and a fixed date. The coins wait in a sealed account until you pay.

Open AppHow a Pawn Works
BorrowUSDC with no liquidation
LendA fixed repayment by a date
AgentsEvery rule is machine-readable
VerifyEvery check in your browser

Mosaec keeps your coins in a sealed account, hands you a Ticket to buy them back, and watches one thing: the date.

1Primitive

Four Parts, One Pawn

Every loan on Mosaec is built from these four pieces.

Seal your coins in a

Keyless Pack

Zcash1.00 ZEC
Access keys0
ContractImmutable
OracleNone
Ownership lives in the

Title NFT

Owner of pack #01.00 ZECTransferable
Your way back is the

Ticket NFT

Settled by one

Fixed Date

Term · 90 days537.50 USDC
2Products

A full pawn desk,
built on one contract.

Borrowers, lenders and agents meet the same sealed pack. Start with one side and add the rest when you need it.

Borrow

Seal coins, name the loan and sign it from any NEAR wallet.

Pack #0
1.00 ZEC sealed
Ask 500.00 USDCRepay 537.50 USDC

Rates

Priced from every 90-day window on record.

ZEC2.5%a month
BTC1%a month
SOL2.25%a month
500 USDC, 90 daysRepay 537.50

Collateral

Native coins in NEAR Intents, capped per pack.

Zcash1 ZEC
Bitcoin0.01 BTC
Solana5 SOL
USD Coin1,000 USDC

Lend

A fixed repayment, set before you pay.

537.50+2.5% / mo
USDC due at the end of the term

Verify

Your browser checks the chain directly.

PassZero access keys
PassPublished code hash
PassUnlocked at the verifier

Agents

Rules simple enough for software to price.

Find a 90-day ZEC pawn that repays at least 7%.
One offer matches. Filling it is a single fill call.
Collateral1.00 ZECRepays537.50 USDCReturn+7.5%
Worked example
3How It Works

One loan, five steps,
zero price checks.

Pack

Zcash
Held inside the verifier
1.00 ZEC
Access keys
Nobody can sign for the pack
0
Code hash
Same for every pack
4NVfLn…x3Bwzc
Seal your coins.

Move ZEC into a new pack: an account with zero access keys that runs one published contract. You receive its Title.

Ask

You deposit1.00
ZEC
You receive500.00
USDC
Repay 537.50 USDC within 90 days
Name the loan.

Set the USDC you want today, the repayment and the term. The pack holds still while the offer stands.

Fill

Lender pays500.00 USDC into the registry
Terms matchContents hash, repayment and term
Title to the lenderOwner of the pack from now on
USDC and Ticket to youYour right to buy the ZEC back
A lender pays.

The lender sends USDC and takes the Title. The USDC and the Ticket reach you in the same receipt chain, and any mismatch refunds the lender in full.

Redeem

TicketPack #0
537.50 USDC
Buys 1.00 ZEC
Active
Term elapsed31 of 90 days
ZEC price movesIgnored
Buy your coins back.

Pay the repayment on any day before the date and the pack releases the ZEC to you.

Exit

From the pack1.00
ZEC
To Zcash1.00
ZEC
Bridge fee applies
Take them home.

The Title holder of a free pack withdraws to the home chain, ZEC to a Zcash address.

4Public Record

Every pack,
in plain sight.

An indexer follows the registry and every pack it created. What it shows, your browser can confirm against the chain.

  • Contents and terms on a public page
  • Holders of both NFTs, linked to the explorer
  • Every receipt from mint to release
v0.mosaec.testnet
Latest packsLive
  • Pack #31 ZEC
    Open
  • Pack #2Settled, contents released
    Repaid
  • Pack #1Settled, contents released
    Coins Kept
  • Pack #0Settled, contents released
    Repaid
One receipt chain
5Assets

Native coins in,
dollars out.

Packs hold coins bridged into NEAR Intents from their own chains. Loans and repayments settle in USDC, and a withdrawal sends coins back where they came from.

Testnet

Zcash

ZEC

Role
Collateral
Cap per pack
1 ZEC
Home chain
Zcash

Bitcoin

BTC

Role
Collateral
Cap per pack
0.01 BTC
Home chain
Bitcoin

Solana

SOL

Role
Collateral
Cap per pack
5 SOL
Home chain
Solana
Testnet

USD Coin

USDC

Role
Loan and Repayment
Cap per pack
1,000 USDC
Home chain
NEAR
6FAQ

Questions,
answered.

How a pawn behaves when prices move, dates pass or rights change hands.

Still curious?Write to the team and get an answer from the people who built it.Email Support
What happens when the ZEC price falls?
Nothing happens on chain. The pack reads only the date and the payment.
What if I miss the date?
The Ticket expires and the Title holder owns the coins in the pack. The USDC you received stays yours, and you owe nothing further: the pack is the whole of the debt.
Why would a lender fill a pawn?
A lender gets a fixed repayment on a fixed date, backed by coins worth about twice the loan, with no oracle to manipulate and no liquidation race to win. The Title can be sold before the date.
What does it cost?
The protocol fee is zero in this release. You pay NEAR gas, which is a fraction of a cent, plus the bridge fee when you withdraw coins to their home chain.
Is Mosaec live and audited?
Mosaec runs on NEAR testnet with test ZEC and USDC, so every step is free to try. The contracts have had an internal review only, and the full source is public under the MIT licence.