Fig. 1 · A loan offer, tied between two wallets
Lend or borrow tokens on terms you sign, and anyone can check.
Write the terms of a token loan, sign them for free with your wallet, and share one link. Whoever opens it can check that you really signed it and see what the terms are worth at today's prices.
An offer board, not a lending app: nothing here moves funds. A real loan would need an on-chain escrow program, which does not exist yet.
How it works in three steps
Token, amount, days, fee and collateral.
Your wallet signs a message. No transaction, no fee.
They see a verified signature and live prices.
Signing a message cannot spend anything. Nothing is moved or charged on this site, ever.
Fig. 2 · From handshake to knot
How an offer holds together
- ATerms are written in plain text
Side, token, amount, term, fee and collateral, readable by any person.
- BYour wallet signs them
An Ed25519 signature ties the text to your address. Change one character and it breaks.
- CThe link travels
Text and signature ride inside a link. No server stores them.
- DThe other side checks
Their browser re-checks the signature, live prices and your balance before they reply.
Tool · Offer board
Offer board
What this does: lists the signed offers you made or opened, re-checks every signature, and shows how well each one is covered at live prices.
Tool · Write and sign
Write an offer
What this does: turns your terms into readable text, has your wallet sign it for free, and gives you a link to share.
The text your wallet will sign
Tool · Verify
Check an offer
What this does: proves who signed an offer, flags expired or edited terms, and checks the signer really holds what they offer, using live mainnet data.
- Results appear here. Checking never asks for your wallet.
Tool · Tension table
Fee and collateral calculator
What this does: works out the fee, the collateral needed and how far the collateral price can fall before the loan is no longer covered, at live prices.
Tool · Locker
Wallet holdings
What this does: reads any wallet's tokens from Solana mainnet and values them at live prices, so you know what you could lend or post as collateral.
Rigging diagrams
How it runs, and where things go
Glossary
Words on this page, untangled
- Lend / borrow offer
- A proposal: "I will lend X of this token for N days at this fee, against this collateral", or the reverse.
- Collateral
- What the borrower puts up so the lender is safe. 150% means collateral worth 1.5 times the loan.
- Fee % per year
- The rent on the tokens, written yearly. 12% for 30 days is about 0.99% of the loan.
- Signature
- A code your wallet makes from the text and your key. Anyone can check it; nobody can fake it.
- Mint address
- The address that identifies a token on Solana, like an ISBN for a book.
- Token account
- The little account on Solana that holds one kind of token for one wallet. Holdings are read from these.
- Escrow program
- On-chain code that would hold both sides' tokens and settle by the rules. Not built here.
- CA
- Contract address: what people paste to find a coin. Shown here only once our coin exists.
Roadmap
The course we are sailing
Signed offers
- Plain-text offers signed in your wallet
- Share links with nothing stored on a server
- Ed25519 check with a browser second opinion
Live context
- Live price cover on every offer
- Signer balance check from mainnet
- Holdings reader and fee calculator
Replies
- Signed counter-offers that link to the original
- Accept message both sides sign
Escrow design
- Open written design for an escrow program
- Independent review before any code holds funds
Public board
- Optional on-chain memo posting so offers can be found
- Filters by token and term
Tokenomics · planned
The coin, plainly
Every tool here is free with or without a coin. There is no coin yet. This is the planned structure.
Holding a coin gives no claim on anything this site does. No returns are promised; coins can lose all value.
Questions
FAQ
What is this, in one sentence?
A board for token loan offers: you write and sign the terms for free, share a link, and the other person can verify who signed and what the terms are worth right now.
Is it safe? Does it touch my money?
It cannot touch your money. Connecting shares only your public address, and the only thing your wallet is asked to do is sign a text message, which cannot authorise a transfer. Always read the text your wallet shows before you sign anything, here or anywhere.
So how would the loan actually happen?
Not here, today. Safe settlement needs an escrow program on Solana holding both sides' tokens. We have not built or audited one, so we do not pretend to. Use the signed offer as a clear, checkable record of terms.
Where are offers stored?
Inside the links themselves, and in this browser's board if you keep them. There is no account and no database behind the site.
Are the prices live?
Yes. Prices come from Jupiter's public price feed when you load or refresh a tool, and balances come straight from Solana mainnet. Anything that is a model is labelled as one.
Why does my example offer say "example key"?
Examples are signed with a throwaway key made in your browser, so you can see a real verified signature without connecting a wallet. They are not offers from a real person.