Questions, answered plainly.

Your Luindy account has a Solana address. Share it, or your QR code, with whoever is paying you. Send only USDC or USDT on the Solana network to that address. Funds usually arrive in under a second.

Sending to another Luindy user is free and instant. Sending to any other Solana address costs the Solana network fee only, typically a fraction of a cent. Luindy does not add a fee on top.

Not directly. Luindy is Solana-only. If you hold USDC or USDT on another network, use a reputable bridge or exchange to move it to Solana first. Sending tokens on the wrong network can result in permanent loss.

No. You can hold any amount, including zero, with no monthly fee.

You choose an amount and a term (30, 90, 180 or 365 days). The rate is locked for that term. Your stablecoins fund secured loans to borrowers on Luindy, and the interest they pay is what you earn. At maturity, your principal and interest return to your wallet automatically.

From borrowers. Every loan on Luindy is secured: SOL loans by stablecoin collateral worth at least twice the loan, asset-backed loans by documented assets and a signed agreement, reviewed by a person. The interest borrowers pay is shared with lenders. We do not chase yield in external protocols, and we do not rehypothecate your funds.

Yes, after the first 7 days of a term. If you withdraw early, you receive your principal but forfeit the interest accrued for that term.

No lending is risk-free. The main risks are borrower default, operational failure, and stablecoin de-pegging. We reduce these with conservative loan-to-value limits on SOL loans, careful review of asset-backed loans, and regular audits, and we explain each of them on the Lend page and in our risk disclosure.

Two ways. Post USDC or USDT as collateral and borrow SOL instantly, up to 50% of the collateral at a fixed 6.0% APR. Or apply for a USDC or USDT loan against assets you can document, such as gold, or against your project or business; our team reviews the application, agrees terms with you, and pays the loan to your wallet.

LTV is the size of your loan divided by the value of your collateral. If you post 1,000 USDC and borrow $500 of SOL, your LTV is 50%, the maximum you can open at. If SOL rises, your LTV rises. We warn you at 65% and 75%, and at 85% the loan is settled from your collateral. LTV only applies to SOL loans; asset-backed loans have a fixed repayment schedule instead.

Your loan-to-value rises. We email you at 65% and again at 75% so you can repay some or all of the SOL. If it reaches 85%, we settle the loan: enough of your stablecoin collateral to cover what you owe plus a 5% fee is kept, and the rest is returned to your wallet.

Yes, any time, in full or in part, with no penalty. Interest stops accruing on the amount you repay.

Luindy acts as the neutral escrow agent between a buyer and a seller. The buyer pays USDT or USDC into the deal's own escrow address on Solana, and we release it to the seller once the conditions in the signed agreement are met. It is built for international purchases: over-the-counter crypto trades, gold and other precious metals and stones, and other high-value goods.

Individuals and companies, in any country. Either the buyer or the seller opens the deal in the Luindy app and invites the other party by email. Before any money moves, our team verifies both parties (identity, plus business verification for companies) and the deal itself. The minimum deal is 1,000 USDT or USDC.

Each deal has its own dedicated escrow address on Solana. The buyer funds it from their Luindy wallet in one step, or by sending USDT or USDC on Solana from any wallet. The money held there is kept apart from Luindy's own funds and from every other deal, and both parties can see it on-chain.

Reviewing the parties and the deal usually takes up to 2 business days. Once the agreed conditions are met, either because the buyer confirms or because our team has verified the agreed evidence, we release the funds to the seller, usually within 1 business day.

Either party can raise a dispute in the app. The funds stay in escrow while our team works through the evidence both sides have uploaded, such as shipping documents, inspection certificates or transaction hashes, against the signed agreement. If the conditions for release are met, the seller is paid. If they are not, the buyer gets the money back.

1.5% on the first $50,000, 1.0% on the portion from $50,000 to $500,000, and 0.5% on the portion above $500,000, with a minimum fee of 25 USDT. A $100,000 deal costs $1,250. The buyer, the seller, or both equally can pay it, chosen when the deal is opened. Luindy covers the network fees, and cancelling before the deal is funded costs nothing.

No. Luindy creates a Solana wallet for every account and runs it end to end. You sign in with a passkey or biometrics, and Luindy handles everything on the blockchain for you. There is nothing to store, back up or configure.

Yes. Customer stablecoins are held in wallets separate from Luindy's operating funds. Balances are reconciled on-chain, and we publish proof-of-reserves attestations after launch.

Our smart contracts and wallet infrastructure are audited by independent firms before launch and after any material change. Reports will be linked from the Security page as they are published.

No. Everything we charge is on the Fees page: the Solana network fee when you send externally, a 0.25% origination fee on loans, a 5% settlement fee if a SOL loan reaches 85% loan-to-value, and the tiered escrow fee on escrow deals. Receiving, holding and lending are free.

They are illustrative launch targets. Live rates will be published in the app and may move with market conditions, but once you open a fixed-term position, your rate is locked for that term.