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Constant Money
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Fully secured, fully backed. All loans and investments are protected by a combination of FDIC insurance, Ethereum smart contracts, and crypto collateral.

How it works.

The Constant algorithm matches investors with borrowers glad to pay their rates. It then secures investor funds and borrower collateral in an unstoppable smart contract, and facilitates the entire transaction from beginning to end.

Why it’s better.

Unlike traditional P2P platforms that prey on vulnerable borrowers and expect investors to shoulder the risk, Constant is designed to protect them both.

Secured returns for investors

If borrowers default, collateral is sold to refund the investor. If collateral falls in value, it is sold at a threshold. It’s all automated by an unstoppable smart contract - investors will always get their principal and profit.

Collateral protection for borrowers

Borrower collateral is stored safely in a smart contract escrow, powered by the Ethereum network. This runs exactly as programmed, independent from human intervention - no one can touch these assets. As long as borrowers repay, they will always get their collateral back.

Top questions from users

What is peer-to-peer (P2P) lending?
Unlike bank loans, P2P lending works by matching investors and borrowers directly. Since there are no greedy middlemen getting in the way, you set your own terms and rates, giving you unparalleled control of your finances. So whether you’re looking for a low-interest loan or better returns on your investment, we’ll match you with someone who’d love to do business with you.
What makes Constant different from other P2P lending platforms?

Constant is the first fully secured P2P lending platform. All investor funds are fully backed by collateral, and all portions that are not yet on loan are covered by FDIC insurance. Borrower collateral is stored safely in escrow, which means no one can touch it until it is transferred back to them after repayment.

Unlike other platforms, Constant also allows users to set their own interest rates and terms. Ethereum powered smart contracts automate the loan agreement and always run exactly as programmed – ensuring both investors and borrowers are protected.

Who can participate?
Anyone can participate, as long as you have an internet connection (to use our website) and access to a bank account (to receive a loan or repayment).
How does Constant protect customers’ funds?

All of our loans and investments are protected by a combination of FDIC insurance, Ethereum smart contracts, and crypto collateral. When not on loan, we store your funds across multiple FDIC-insured bank accounts with an aggregate indemnity limit of $130,000,000.

When your money is on loan, it’s protected by an unstoppable Ethereum smart contract – a programmable ruleset that strictly defines how your money is used. All our borrowers put up 150% of the loan amount in collateral, so investors see a return whether borrowers repay or not.

Our Clients Love Us

Share Holder of Crypto


Hi i want to thank the team of constant really professional and helpful! Many thanks ! I will invest more in Constant next months...

Kasey Cook


My experience with Constant has been nothing but positive. Awesome opportunity to escape the volatility of the stock market while making your money work for you. Incredible and responsive customer service answers any and all questions quickly and efficiently.



I received the international fiat payout in my bank after only a few days. Support quickly solved the issue with my country not being available yet. Thanks Constant Team! Constant will be my preferred way of transferring crypto assets to fiat.



Have already made a few loans. So far so good. Cool platform.

Think you guys will do very well with this and those of us who have chosen to put some capital into your platform. I am excited to see this evolve and grow.



I’m excited about constant :) Keep up the good work!

101 E Redlands Blvd, Suite 272
Redlands, CA 92373, USA

Is CONST LLC a bank?

Please note that CONST LLC (hereafter referred to as “we”, “us”, or “Company”) is not a bank or deposit account, nor is it a regulated financial institution. Constant tokens are not financial instruments. No interest will be paid on any funds or other assets held in your Constant account and all assets directly held by us are not insured by us or, except as set forth below, any third party or any government agency.

We work with independent third-party financial institutions to provide cash management for the fiat deposits backing Constant tokens, ensuring that all Constant tokens in circulation are matched by an equal amount of fiat deposits. To achieve this, the fiat deposits backing Constant are held in one or more depository accounts at US banks or trust companies whose deposits may be insured by the Federal Deposit Insurance Corporation (“FDIC”).

US Dollar depository accounts are generally protected by FDIC insurance up to $250,000 in each insured bank for each account ownership category. However, since depository accounts may involve large balances exceeding this deposit insurance limit, we have taken additional steps to provide protection for the funds.

Additional protection on deposits

To provide additional protection, the independent third-party financial institution bank or trust company may either: (1) deposit US Dollar funds in multiple FDIC-insured US banks to provide full insurance coverage or (2) use sweep accounts that can protect the deposits through overnight investments in US Government Treasuries. FDIC insurance is not applicable to the collateral deposited to secure loans through the Constant platform.