MosaecRates

Rates set by
the date alone.

Each pawn carries one repayment and one date, fixed at the fill. The figures below are suggestions from the 11 Nov 2026 rate study; the borrower sets the final price.

At 50% LTV
30 days
512.50USDC due
On 500.00 USDC borrowed against ZEC

A short bridge for a known expense, with the smallest repayment.

Borrow for 30 Days
  • Repay on any day before day 30
  • Same repayment whatever day you pay
  • Ticket sellable at any point
60 days
525.00USDC due
On 500.00 USDC borrowed against ZEC

Two months of room for the coins to move before you decide.

Borrow for 60 Days
  • Repay on any day before day 60
  • Same repayment whatever day you pay
  • Ticket sellable at any point
90 daysSuggested Default
537.50USDC due
On 500.00 USDC borrowed against ZEC

The term the rate study leads with, and the most time for the coins to recover.

Borrow for 90 Days
  • Repay on any day before day 90
  • Same repayment whatever day you pay
  • Ticket sellable at any point
  • Priced from every 90-day window on record
1Compare

Three ways to borrow,
side by side.

FeatureMosaec PawnPooled LendingExchange Margin
Price oracleNonePrice feedMark price
LiquidationNone, the date decidesAt a health thresholdAt maintenance margin
RateFixed repayment, set by the borrowerFloating, set by pool useSet by the exchange
Collateral custodyKeyless pack on NEARPool contractExchange account
Worst caseThe coins in the packCollateral sold at the low, plus a penaltyPosition closed at the low
Size per position1 ZEC, 0.01 BTC or 5 SOLPool limitsExchange tiers
2Fees

Every cost, on one card.

Mosaec keeps nothing from a pawn. What you pay goes to the network, the bridge or the other side of the loan.

What you pay for
Protocol fee
On every fill, redeem and claim
NEAR gas
Paid by whoever sends the call
Verifier fee
Charged by NEAR Intents where it applies
Bridge fee
On withdrawal to the home chain
Interest
The gap between the USDC and the repayment
Mosaec0Per callSet by the verifierSet by the bridgeYour price
3Per Asset

Priced from
every window on record.

Suggested monthly rates at 50% loan-to-value, beside how often a 90-day pawn and a liquidating loan cost the borrower the coins.

AssetSuggested RatePawn Below RepaymentLoan LiquidatedPrice History
ZEC2.5% a month10.7%34.6%2017 to 2026
BTC1% a month2.6%16.9%2013 to 2026
SOL2.25% a month11.4%34.0%2020 to 2026

Hourly closes from Binance and Bitfinex, every 90-day start hour. Pawn at 3% a month; loan liquidated at 80% loan-to-value. Measured 11 Nov 2026. Makers set their own terms.

Rates, answered.

Who sets the rate?
The borrower, in the ask. A lender fills the asks whose terms suit them, so the market finds the price; the suggestions here are a starting point.
How were the suggestions computed?
A block bootstrap of daily returns over each asset’s full history, run with and without the historical trend. The suggestion is the larger of the two break-even rates plus half a percent a month, rounded up to a quarter.
Why does ZEC cost more than BTC?
ZEC moves more. Its realised volatility was 133% over the last year and 116% since 2017, against 44% and 76% for BTC (daily closes, annualised).
Why 50% loan-to-value?
It balances cash in hand against the lender’s cushion. A lower ratio earns a lower rate: the study suggests 1.5% a month for ZEC over 90 days at 40%.