> For the complete documentation index, see [llms.txt](https://docs.zirodelta.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.zirodelta.com/modules/credit-engine.md).

# Credit Engine

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

{% hint style="warning" %}
**In development.** The first form is built and switched off.
{% endhint %}

## First form: borrow against wzdUSD

* The borrower locks [wzdUSD](/tokens/wzdusd.md) 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](/modules/settlement-engine.md). 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](/use-cases/payout-advances.md).

## How Zirodelta earns

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

## Status

In development.


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