Credit Engine

The Credit Engine lets a balance back a loan, so people and businesses can use cash without selling what they hold.

In development. The first form is built and switched off.

First form: borrow against wzdUSD

• The borrower locks wzdUSD as collateral and receives USDC.

• Loans run on Jupiter Offerbook, a lending market on Solana, with Zirodelta's treasury as the lender.

• How much can be borrowed depends on the value of the collateral (its share price) and the loan's term. Shorter loans allow a slightly higher loan-to-value.

• The borrower repays before the term ends to unlock the collateral. If a loan is not repaid on time, the collateral can be claimed under the loan's terms.

Rates and limits will be published with the module, not before.

Next form: advances against upcoming payouts

For apps that pay sellers, drivers, creators or merchants on a schedule, the Credit Engine is designed to advance part of an upcoming payout, repaid automatically from that payout through the Settlement Engine. These advances are funded by Zirodelta's own capital, never by the app's users' money, and run through licensed lending partners where the law requires. See Advances against upcoming payouts.

How Zirodelta earns

From the interest or fees on credit, shared with the app that brings the borrower.

Status

In development.