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Deposit into the short-term loan pool — passive income in USDT without buying a share. Your funds are issued to borrowers against NFT, token or BNB collateral for short terms, and you receive a share of the interest and penalties from the pool's entire turnover.

Key advantages

Low entry — from 50 USDT

Short cycles — loans of 1–30 days

Income — 60% of the pool's interest and penalties

Flexible withdrawal of funds and interest

The pool has strict risk limits: a maximum of 200,000 USDT in total, no more than 3 loans and 5,000 USDT per borrower.

up to

25%

per annum in USDT

Expected yield

Passive income
from the short-term loan pool

updated daily

Rate by term for the entire period

1–5 days

0.6%

6–15 days

1.5%

16–30 days

2.4%

Deposit

1,000 USDT

~ per year

+250 USDT

How it works

You make a deposit

The investor deposits USDT into the pool (minimum 50 USDT). The funds become part of the overall liquidity from which short-term loans are issued.

Borrowers take loans

Clients pledge NFT (Share, Certificate), ERC20 tokens or BNB as collateral and receive USDT for a term of 1 to 30 days.

You receive income

Borrowers' interest and penalties are accrued in proportion to your share in the pool. Income in USDT can be received at any time — the deposit continues to work in the meantime.

Deposit conditions

Minimum entry — 50 USDT

A low entry threshold makes the product accessible to any participant in the ecosystem, not just share owners.

High yield — up to 25% per annum

Income in USDT is accrued in proportion to your share in the pool. The larger the deposit and the more actively the loans work — the higher the resulting yield.

Short turnover cycles

Loans are issued for 1–30 days. Rate for the entire term: 1% (1–5 days), 2.5% (6–15 days), 4% (16–30 days). Liquidity returns to the pool quickly.

Flexible fund management

Accumulated interest can be claimed at any time. The deposit is withdrawn fully or partially when free liquidity is available in the pool.

What is accepted as collateral

1.

NFTs with fixed valuation

Gemcy Share NFT, Gemcy Certificate and other NFT assets. The value is set by the administrator in the contract configuration.

2.

ERC20 tokens

Standard tokens whose price is calculated in real time via Chainlink oracles or Pancake V3 TWAP.

3.

Native BNB

BNB is accepted as collateral with valuation via an oracle. The loan amount depends on the current market price of the asset and LTV.

Pool parameters and limits

The short-term loan pool is an autonomous product with its own liquidity, a separate treasury and price oracles. All risk parameters are firmly embedded in the smart contract and controlled by the DAO.

The investor's risk is limited by the pool's limits and the grace period before collateral liquidation — 7 days with a 3% per day penalty.

Key limits

Minimum investor deposit — 50 USDT

Active loan limit per borrower — 3

Limit per borrower — 5,000 USDT

Total issuance limit — 200,000 USDT

Grace period before liquidation — 7 days

Overdue penalty — 3% per day (max. 7 days)

Examples:

1,000 USDT deposit into the pool

You deposit 1,000 USDT. At an average loan rate of 2.5% per term and active pool turnover, your indicative income is about 20 USDT per month, or ~250 USDT per year (~25% per annum in USDT). The actual amount depends on the pool's utilisation and the loan structure.

Claiming interest

You can claim the accumulated interest at any time via the claim function — the funds arrive instantly in your wallet. The deposit continues to work in the pool meanwhile.

Deposit withdrawal

If you want to withdraw part or all of the deposit — use the withdrawal function. The amount is returned to your wallet provided there is free liquidity in the pool. If the liquidity is tied up in active loans — you need to wait for them to be repaid.

Why it's profitable

Up to 25% per annum in USDT

Income in a stablecoin — without volatility and currency risks

Many times higher than a classic bank deposit

Fast capital turnover

Loans only for 1–30 days — funds in the pool are constantly «in motion»

Interest can be received at any time

Predictable risk

Every loan is secured by collateral (NFT, ERC20 or BNB)

Strict pool limits and a grace period before liquidation

Who the short-term loan pool deposit suits

The product is aimed at investors who want to passively earn on USDT without buying a share, with short turnover cycles and a clear risk profile. It also suits participants who already hold shares and want to diversify their income sources.

Still have questions?

What is the minimum pool deposit?

The minimum deposit is 50 USDT. This makes the product accessible to any participant in the ecosystem, even without buying a share.

What is the expected yield?

Approximately up to 25% per annum in USDT with active pool turnover. The rate depends on the loan term: 0.6% for a term of 1–5 days, 1.5% for 6–15 days, 2.4% for 16–30 days. The more turnover per year — the higher the resulting yield. Income can be received at any time.

Can the deposit be withdrawn at any time?

Yes, the deposit is withdrawn fully or partially via the withdrawal functions, provided there is free liquidity in the pool. If the liquidity is fully tied up in active loans — you need to wait for them to be repaid.

What are the risks of this product?

The risks are limited by the pool's limits: a maximum of 200,000 USDT in total, no more than 3 loans and 5,000 USDT per borrower. In case of overdue payment, there is a 7-day grace period with a 3% per day penalty, after which the collateral is liquidated in favour of the pool.

How is this product different from buying a share?

Buying a share is the main product of the ecosystem with weekly payouts and a long-term horizon. The short-term loan pool deposit is a separate autonomous product with a lower entry threshold, shorter cycles and income tied to the activity of the pool's borrowers.