# Luindy

> Hold, send and receive USDT and USDC on Solana. Earn a fixed annual rate on your stablecoins, borrow SOL against them or stablecoins against assets you own, and use Luindy as escrow for international purchases.

Luindy (luindy.com) is a fully custodial USDC and USDT wallet on Solana with fixed-rate lending, secured borrowing, and escrow for international purchases. Customers can open an account at https://app.luindy.com/sign-up. This file summarises the site for automated readers; the full text of every page is at https://luindy.com/llms-full.txt.

## Key facts

- Luindy is a fully custodial stablecoin wallet on the Solana network for USDC and USDT. Luindy creates and runs a Solana wallet for every account; customers sign in and transact, and Luindy runs the wallet, network fees and security.
- Available to customers in 240 countries worldwide. No local bank account is needed.
- Receiving and holding stablecoins is free with no minimum balance. Sending to another Luindy account is free and instant; sending to any Solana address costs only the network fee (about $0.0005). Luindy pays the network fee on the customer's behalf.
- Lending: fixed-term, fixed-rate positions of 30, 90, 180 or 365 days. 30 days: 5.0% USDC / 5.2% USDT; 90 days: 5.5% USDC / 5.7% USDT; 180 days: 6.0% USDC / 6.2% USDT; 365 days: 6.5% USDC / 6.7% USDT. Interest is paid at maturity, or monthly on 180 and 365-day terms. Minimum position $50. Early withdrawal is allowed after 7 days and forfeits accrued interest for the period broken.
- Borrowing, instant: SOL loans against USDC or USDT collateral at a fixed 6.0% APR for 30, 90, 180 days. Borrow up to 50% of the collateral value. Warnings by email at 65% and 75% loan-to-value; the loan is settled from collateral at 85% or at an unpaid maturity, keeping what is owed plus a 5% fee and returning the rest. Repay early any time, free. Minimum collateral $100.
- Borrowing, reviewed: USDC or USDT loans against gold or other documented physical assets held in trust with a custodian, or project/business-backed loans reviewed on the business and its documents. Terms of 90, 180, 365 days, fixed rate set after a human review, interest monthly and principal at the end. Bitcoin and Ether collateral can be arranged case by case.
- Escrow: Luindy acts as the neutral escrow agent between a buyer and a seller in international purchases, settled in USDT or USDC on Solana. Typical deals are over-the-counter crypto trades (BTC, ETH or other coins bought for USDT or USDC), gold and other precious metals and stones, and other high-value goods bought across borders. Either party opens the deal in the Luindy app and invites the other by email; Luindy verifies both parties (identity, plus business verification for companies) and the deal, usually within 2 business days; buyer, seller and Luindy sign one tri-party agreement setting out what must happen before the money moves. The buyer funds the deal's own dedicated escrow address from their Luindy wallet or by sending USDT or USDC on Solana from any wallet; funds there are separate from Luindy's own money and from other deals, and visible on-chain to both parties. The seller delivers, both sides upload evidence (shipping documents, assay or inspection certificates, transaction hashes), and once the conditions are met (buyer confirmation or verified evidence) Luindy releases the funds to the seller, usually within 1 business day. If the conditions are not met under the agreement, the buyer gets the money back. Either party can raise a dispute in the app; the funds stay in escrow while Luindy reviews the evidence against the signed agreement.
- Escrow fees: 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. Minimum fee 25 USDT; minimum deal 1,000 USDT or USDC. Paid by the buyer, the seller, or split 50/50, chosen when the deal is opened. Network fees are covered by Luindy; third-party services a deal may need (inspection, assay, vaulting, freight) are quoted at cost and agreed upfront. No charge if cancelled before funding; if a funded deal is unwound, the buyer is refunded less the escrow fee unless the agreement says otherwise. Examples: $10,000 deal, $150 fee; $100,000 deal, $1,250 fee; $1,000,000 deal, $7,750 fee.
- Fees: origination 0.25% of the amount borrowed; interest as above; early repayment free; settlement fee 5% of collateral used only if a SOL loan reaches 85% loan-to-value. No fees to receive, hold, or for statements.
- Verification: opening an account takes a few minutes. Tier 1 (identity details) unlocks the wallet and lending; Tier 2 (government ID plus selfie, reviewed by a person, usually within 24 hours) removes the daily send limit and unlocks borrowing.
- The team has worked in digital assets since the early days of Bitcoin, ran a private over-the-counter desk for years, and built Luindy as its public form. Luindy chose Solana alone for sub-second settlement, sub-cent fees, native USDC and USDT issuance, and a single network to secure.
- Rates shown are illustrative targets for launch and are not an offer. Live rates will be published in the app and update daily.

## Product pages

- [Wallet](https://luindy.com/wallet): hold, send and receive USDC and USDT on Solana; how custody works.
- [Lend](https://luindy.com/lend): fixed-term, fixed-rate lending; rates by term; how the yield is generated.
- [Borrow](https://luindy.com/borrow): instant SOL loans against stablecoins; reviewed loans against gold, assets and businesses.
- [Escrow](https://luindy.com/escrow): Luindy as neutral escrow agent for OTC crypto trades, gold and precious metals, and high-value goods; how funds are held; fees.
- [Fees and rates](https://luindy.com/fees): every fee in one table.
- [Security](https://luindy.com/security): custody model, controls and audits.
- [Supported countries](https://luindy.com/countries): where Luindy is available.

## Guides

- [What is a stablecoin? A plain-English guide](https://luindy.com/learn/what-is-a-stablecoin): Stablecoins are digital dollars that live on a blockchain. Here is how they keep their price, who issues them, and why they matter for anyone who wants to hold or move dollars.
- [USDT vs USDC: which stablecoin should you hold?](https://luindy.com/learn/usdt-vs-usdc): USDT and USDC are both dollar stablecoins, but they differ in who issues them, how reserves are reported, and where they are most used. A practical comparison.
- [Why send stablecoins on Solana: fees, speed and finality](https://luindy.com/learn/why-send-stablecoins-on-solana): Solana settles a USDC transfer in under a second for a fraction of a cent. Here is how that compares to Ethereum, Tron and bank wires, and what to watch out for.
- [How fixed-rate stablecoin lending works](https://luindy.com/learn/how-fixed-rate-stablecoin-lending-works): Lend USDC or USDT for a fixed term and a fixed rate. This guide explains where the yield comes from, how terms and early withdrawal work, and the risks you are taking.
- [Borrowing on Luindy, explained: SOL loans and asset-backed loans](https://luindy.com/learn/stablecoin-backed-loans-explained): Two ways to borrow without selling what you own: instant SOL loans against USDC or USDT, and stablecoin loans against gold, other assets you can document, or your project. Rates, terms, repayment and what happens if things move against you.
- [Loan-to-value and settlement: the two numbers every SOL borrower should know](https://luindy.com/learn/loan-to-value-and-liquidation): LTV tells you how big your loan is compared to your collateral. The settlement line tells you when the loan is closed from that collateral. Understand both and you will never be surprised.
- [How to keep a crypto wallet safe](https://luindy.com/learn/how-to-keep-a-crypto-wallet-safe): Practical, non-paranoid security for people who hold stablecoins: devices, recovery, phishing, address checks and the settings worth turning on.

## Company

- [About](https://luindy.com/about): who we are and why Solana.
- [FAQ](https://luindy.com/faq): 28 common questions, answered.
- [Contact](https://luindy.com/contact): reach the team.
- [Terms](https://luindy.com/legal/terms), [Privacy](https://luindy.com/legal/privacy), [Risk disclosure](https://luindy.com/legal/risk).

## Optional

- [Open an account](https://app.luindy.com/sign-up): the customer portal.
- [Sitemap](https://luindy.com/sitemap.xml)