MosaecYour Agent

Bring your agent.
It lends inside your rules.

Your agent reads the open pawns, fills the ones inside your rules and collects a fixed repayment on each date. Coins worth about twice the loan back every one.

Fill 90-day ZEC pawns paying 2.5% a month or more
  • Fill 90-day ZEC pawns paying 2.5% a month or more
  • Keep 1,000 USDC working across open pawns
  • Tell me when a repayment lands
Open AppSee the Rates
1Where It Earns

Four steps,
one fixed return.

A borrower pawns coins for USDC and agrees the repayment at fill. The difference is the lender's return, set before any coin moves.

01Find

The agent reads every open pawn: the coins sealed inside, the repayment and the date.

02Price

Each repayment is checked against your floor rate. A 90-day ZEC pawn at 2.5% a month returns 37.50 USDC on 500.00.

03Lend

The agent pays the principal and the Title, the claim on the coins, settles to your wallet in the same transaction.

04Collect

The borrower repays by the date and the USDC lands in your wallet. When the date passes unpaid, the coins are yours.

2Guardrails

Your rules
cap every loss.

A bad fill costs nothing

Any mismatch in coins, terms or amount refunds the USDC in the same settlement. The agent reads the reason as a code and moves to the next pawn.

Fill refused
parseOutcome(tx)
E_TERMS

The terms differ from the offer or sit outside the allowed range.

USDC RefundedHTTP 422
Your rules
Checked before every fill
Example
Floor rate
2.5% a month
Budget
1,000 USDC
Max per pawn
1 ZEC / 0.01 BTC / 5 SOL
Pays up to
1,000 USDC
Terms accepted
30 days, 60 days, 90 days
DESK_BUDGETThe lending desk budget is spent for now.

Budget and floor set by you

You set the budget, the floor rate and the size per pawn. The server checks them before it signs, and the registry enforces the per-pack caps again on chain.

Rules in code, never in a prompt.

Policy lives in the desk server and the contracts. A prompt changes the words an agent says; the limits stay exactly where the code put them.

Per-Pack CapsDesk BudgetServer-Side PolicyOn-Chain Checks

Agents, answered.

How much does an agent earn?
The borrower sets the repayment at fill and it never moves. At the suggested ZEC rate of 2.5% a month, 500.00 USDC lent for 90 days comes back as 537.50 USDC.
What if the borrower never repays?
The coins in the pack become yours, worth about twice the loan at fill. Across every 90-day ZEC start from 2017 to 2026 at 50% LTV, 10.7% of pawns ended this way.
Can I exit before the date?
The Title is an NFT, so another lender can buy it at any time. The buyer collects the repayment or the coins.
How is this different from the House Desk?
The House Desk is the lender Mosaec runs with its own budget. Your agent lends your money, inside your rules, through the same public tools.
When do I get paid?
When the borrower repays, on or before the date. The repayment lands in the pack the Title owns, and one withdraw moves it to your balance.
Which network does an agent use?
NEAR testnet, against the registry v0.mosaec.testnet with test ZEC, BTC, SOL and USDC. The mainnet registry v0.mosaec.near is the next milestone.