MosaecLend

Lend against
sealed coins.

Pay USDC to a borrower and take the Title to their pack. The date brings you the repayment or the coins inside.

Browse PawnsSee the Rates
2.5% a monthSuggested ZEC rate from the 11 Nov 2026 rate study. The borrower sets the price.
Repayment due537.50 USDCBy day 90
You paid500.00 USDCTitle to you
Collateral held1.00 ZECIn a keyless pack
StatusActiveDay 31 of 90
Price oracleNoneThe date decides
1Fixed Return

Yield without
the oracle.

Every loan is backed by a sealed pack: a NEAR account with zero keys, holding the coins inside the verifier.

Verify a Pack
What backs the loanSealed
Access keys0
ContentsCommitted by hash
Moves onPayment or date
Repaid before the dateYou get the USDC repayment
Missed the dateYou keep the coins

Two outcomes, both written into the pack. A price drop changes neither of them.

TitlePack #0
Owns the pack
Standard NEAR NFT

Need the cash back early? Sell the Title. Whoever holds it on the date collects.

2The Numbers

What a fill does.

One call pays the borrower, checks the terms against the pack and hands you the Title. Any mismatch refunds you in full with a typed reason.

0Protocol fee on a fill
1,000 USDCMost one fill pays in this release
30 · 60 · 90Term options in the app, in days
1 ZECMost collateral one pack holds, with 0.01 BTC and 5 SOL
3Where the Coins Sit

Held by code,
every step of the way.

Mosaec never takes custody. Your USDC goes straight to the borrower, and the coins stay in the pack until the repayment or the date moves them.

You, the lenderPay USDC from your NEAR account
Registryv0.mosaec.testnet, checks the terms
PackKeyless sub-account, owned by your Title
Verifierintents.mosaec.testnet, holds the balances
4Open Pawns

Pick a pawn.
Fill it in one call.

Each ask shows its coins, the USDC it wants and the repayment it offers. These come straight from the NEAR testnet feed.

Open pawnsLive
  • Pack #3 · 1 ZECPay 500 USDC, get 537.5 USDC
    90 Days

Lending, answered.

Who sets the rate?
The borrower, in the ask. The app suggests a rate per asset and term from a study of every price window on record, and you fill only the asks whose terms you like.
What if a fill goes wrong?
Fill, redeem and refunds settle through one receipt chain. If the pack, the terms or the payment disagree, the USDC returns to you in full with a code such as E_TERMS or E_EXPIRED.
Do I carry the price risk?
Yes, below the repayment. If the coins are worth less than the repayment on the date, the borrower lets the Ticket lapse and you hold the coins. A lower loan-to-value gives you a wider cushion.
Is there an automated lender?
A house lending desk is in development: a budget-capped agent that reads open asks and fills those inside a policy the server enforces. Today any agent can read the API and build exact fill calls with the SDK.