2025-12-24 01:25:29

A lending protocol is shaking things up with an unsecured loan offering: 4% fixed rate for up to 3 months, with payouts available in multiple formats—USDC on Base, or through Honey, Venmo, and PayPal on Berachain. The kicker? Zero collateral requirements and zero fees attached.

This combination is pretty rare in the DeFi space right now. Most unsecured lending options come with higher rates, additional fees, or collateral locks. Offering this flexibility while keeping rates competitive and costs low suggests a fresh approach to how crypto-native borrowing could work.

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SerumSquirrel

· 16h ago

Wait, zero collateral and zero fees with 4%? How much money can this possibly make? It feels a bit suspicious...

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BlockchainGriller

· 16h ago

4% fixed interest rate with zero collateral? This can't be some new trick... --- Can Venmo and PayPal borrow too? Feels a bit unreal --- No extra fees, this kind of thing needs to be clear in the contract before proceeding --- If this really works, the DeFi lending landscape will be reshuffled --- Zero collateral, zero fees... where's the risk control? --- Try it on Base, anyway, it's not much money --- Much better than banks, just worried there might be traps behind such good things --- 3 months term is a bit short, but the interest rate is indeed okay --- Here comes another "disruptive" protocol, what happened to the previous ones? --- Berachain plus Honey, this combination is quite interesting

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FortuneTeller42

· 16h ago

4% Interest Rate with zero guarantee? This can't be real, it sounds too good to be true... Wait, can this really last? Finally, someone has made lending sound human, but I still want to see how this guy makes money. Can Venmo and PayPal be used? When will domestic platforms catch up? This is what DeFi should look like, it's time to get rid of those vampire fees. Isn't this just another celebration before a Rug Pull... This is true financial innovation, other protocols are watching.

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