Lend · Fixed term, fixed rate
Earn up to 6.5% a year on your dollars. Fixed.
Choose a term. Lock a rate. Your USDC or USDT funds secured loans on Luindy, and the interest borrowers pay is your yield. Principal comes back automatically at maturity.
Fixed term · 365 days
10,000.00
Rate
6.5%
locked
- Earned so far
- 402.19
- Next payment
- 54.17
- Matures
- 14 Mar
30–365 d
Terms available
5.0–6.7%
Fixed annual rate
Illustrative launch targets
Monthly
Payouts on 180 & 365-day terms
$50
Minimum position
01How it works
Four steps, and the fourth one is automatic.
- 01
Pick an amount and a coin
Any amount from $50 in USDC or USDT. Your balances stay separate; we never convert one coin into the other.
- 02
Choose a term
30, 90, 180 or 365 days. Longer terms pay more because they give the matching engine more certainty.
- 03
The rate locks
The rate you see when you confirm is the rate you earn for the whole term, whatever happens to market rates afterwards.
- 04
Interest arrives, principal returns
Monthly on 180 and 365-day terms, at maturity on shorter ones. At maturity your principal is back in your wallet with no action from you.
02Rates by term
The full table.
Rates for new positions are set daily from borrower demand. Once you open a position, yours does not change.
| Term | USDC | USDT |
|---|---|---|
| 30 days | 5.0% | 5.2% |
| 90 days | 5.5% | 5.7% |
| 180 days | 6.0% | 6.2% |
| 365 days | 6.5% | 6.7% |
03Calculator
What would your money earn?
Projected interest
650.00 USDC
10,000.00 USDC at a fixed 6.5% for 365 days. About 54.17 paid monthly.
- You get back
- 10,650.00
- Effective APY
- 6.5%
Illustrative. Live rates are set daily in the app and locked when you open a position.
Where the yield comes from
One source. Named.
Every dollar of interest you receive was paid by a Luindy borrower who posted more collateral than they borrowed. That is the whole model. We do not farm yield in outside protocols, trade with your funds, or lend unsecured to market makers.
The full explanation- 01
A borrower is approved
Someone applies for a USDC loan against gold they hold or a business they run. A person reviews the documents and sets the terms.
- 02
Your stablecoins fund the loan
Your 365-day position is matched against loans of similar duration. A liquidity buffer covers early withdrawals.
- 03
The borrower pays fixed interest
Monthly, at the rate set on review. Most of it flows to lenders; a spread covers operations and a reserve fund.
- 04
Security protects you
Every loan is secured: SOL loans by stablecoin collateral that settles the loan automatically, asset-backed loans by the documented asset and a signed agreement.
Terms and early withdrawal
Your money is not trapped.
After the first seven days you can withdraw any position early. You get your principal back; you forfeit the interest for the period you break. No other penalty.
| Open a fixed-term position | Free |
|---|---|
| Interest paid | At maturity, or monthly on 180 and 365-day terms |
| Early withdrawal | Allowed after 7 days. Accrued interest is forfeited for the term. |
Lending questions
Asked often.
How does fixed-rate lending work?
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.
Where does the yield come from?
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.
Can I withdraw early?
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.
Is lending on Luindy risk-free?
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.
Get started
Put your dollars to work.
Open an account, deposit USDC or USDT, and lock a rate the same day.