"Instant" doesn't mean there's no process — it means the process is short, entirely online, and doesn't involve a bank appointment or a credit pull. Here's exactly what happens between opening the app and having funds in your own wallet.
You pick a loan amount and, the first time only, submit your identity details alongside it: legal name, date of birth, occupation, income, address, and a photo of a government ID or passport plus a selfie. Repeat loans skip this step entirely once your identity is on file and approved.
A real person reviews the application — not an automated credit score. Approval unlocks the next step immediately.
Once approved, you have a 30-minute window to send exactly 1 USDT or 1 USDC — from the same wallet you want your loan paid to — to a deposit address we give you. This isn't a fee or a deposit against the loan; it's proof you actually control that wallet, since crypto transfers can't be reversed or disputed the way a card payment can. If the window closes before it arrives, the application cancels automatically and you can simply re-apply.
The moment that $1 is confirmed, you give us the destination address and the loan principal is queued for payout — typically within 30 minutes. From there, the money is yours to use, and your 30-day repayment clock starts running.
That's the whole flow: apply, get approved, prove wallet ownership with $1, receive the loan. No collateral is locked up, and no bank account is involved at any point.
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