MosaecBorrow

Borrow on ZEC.
Never liquidated.

USDC today against your ZEC, for 30, 60 or 90 days, at a repayment you set.

Open AppSee the Rates
Live on NEAR TestnetProtocol Fee 0
You deposit1.00
ZEC
Suggested rate
2.5% a month
Repayment
537.50 USDC
Term
90 days
You receive500.00
USDC

The price is yours to change

Repay within90 days
Send Offer
1Real Cost of a Loan

What a liquidation
really costs.

The same loan held 90 days at 50% loan-to-value, started at every hour on record. Each bar is the share of start dates on which the borrower lost the coins.

ZEC, Mosaec pawnLowest
Ended below the repayment
10.7%
ZEC, liquidating loan
Touched liquidation
34.6%
BTC, Mosaec pawn
Ended below the repayment
2.6%
BTC, liquidating loan
Touched liquidation
16.9%
SOL, Mosaec pawn
Ended below the repayment
11.4%
SOL, liquidating loan
Touched liquidation
34.0%

Hourly closes from Binance and Bitfinex: ZEC 2017 to 2026, BTC 2013 to 2026, SOL 2020 to 2026. Pawn at 3% a month; loan liquidated at 80% loan-to-value. Measured 11 Nov 2026.

2Journey

From pack to cash
in one sitting.

Three calls on day zero put USDC in your wallet. One more, any day before the date, brings the coins back.

Day 0Pack

Mint a pack and deposit your ZEC. The pack is a NEAR account with zero access keys.

Day 0Ask

Post the USDC you want and the repayment you offer, over 30, 60 or 90 days.

Day 0Fill

A lender pays. The USDC and the Ticket land in your wallet; the Title goes to the lender.

Before day 90Redeem

Pay the repayment while you hold the Ticket and the ZEC moves back to your account.

Ticket sale · Pack #0Transferred
  • TicketMoves to the buyer
    1 NFT
  • Date and repaymentCarried over as they were
    Same
  • USDC you borrowedStays in your wallet
    Yours
  • Buyer pays youThe gap between coins and repayment
    Your price
3Ticket Market

Short of cash?
Sell the Ticket.

A Ticket is a standard NEAR NFT. Whoever holds it when the repayment lands receives the coins, so a buyer pays you for the value above the repayment.

  • Transfers from any NEAR wallet
  • The buyer inherits the date and the repayment
  • The lender holding the Title sees no change
4Non-Recourse

Missed the date?
The pack is the debt.

At the date an unpaid Ticket voids and the lender keeps the coins. The USDC stays with you and nothing more is owed.

Every status a pawn showsOpenActiveDue SoonGraceRepaidCoins Kept

Borrowing, answered.

How much can I borrow?
You set the USDC you ask for and the repayment you offer. One pack holds up to 1 ZEC, 0.01 BTC or 5 SOL, and one pawn settles up to 1,000 USDC in this release.
What if the verifier pauses near my date?
If the verifier is paused or locked in the last 24 hours before the date and anyone records it, your Ticket stays good for 24 hours past the date.
What happens when a fill goes wrong?
Fill, redeem and refunds settle through one receipt chain. Any mismatch refunds the lender in full with a typed reason such as E_TERMS, and your pack stays as it was.
Is borrowing live?
Mosaec runs on NEAR testnet with test ZEC and USDC. The mainnet registry is the next milestone, and the contracts have had an internal review.