MosaecAbout

Credit for coins,
without a price trigger.

Crypto loans sell your coins the moment a price dips. Mosaec is a pawn instead: a fixed repayment, a fixed date, and nothing in between.

Venue
Rhea, ZEC market
Window
27 Oct 2025 to 27 Oct 2026
Liquidations
1,337 across 39 accounts
Higher 90 days later
83.9%
Worth on 10 Nov 2026
$3.31M, sold for $951k
1The Loss

A liquidation sells
at the low.

A price-triggered loan closes at the worst hour and sells your coins to settle it. On Rhea, 39 accounts lost 3,218 ZEC this way in a year, and most of those coins recovered within three months.

34.6%of 90-day ZEC loans at 50% LTV hit liquidation
10.7%ended below the repayment, the pawn's only loss

Every 90-day start date from 2017 to 2026, hourly prices; Rhea events to 10 Nov 2026.

2The Answer

An old idea,
made exact.

A pawn shop never sells your watch because the market moved. Mosaec keeps that promise in code.

01A sealed pack

Your coins move into a NEAR account with zero keys. Only the repayment or the date can move them out.

02The Title

An NFT that owns the pack. The lender buys it, and with it the right to the coins if the date passes.

03The Ticket

An NFT the borrower keeps. Pay the fixed amount before the date and the coins come back.

04No price trigger

Nothing reads a price. A drop in the middle of the term changes nothing for either side.

3Why NEAR

Built where coins
stay native.

01Native coins

NEAR Intents holds real ZEC, BTC and SOL balances, so a pack seals the coin itself.

02Keyless accounts

A pack is a sub-account with no key at all, running one published contract.

03Checkable by anyone

Every rule and every pack reads straight from the chain, from any browser.

4Roadmap

Where it stands
today.

NowLive on NEAR testnet

Borrow, lend, verify and the house desk run against the testnet registry.

NextIndependent review

An outside review of the pack and registry contracts before any real funds.

ThenMainnet with ZEC first

Small caps per pack, raised only as the record grows.