Sorry, error occurred! Please try again
Just a moment...
MenuConstant Money
Peer-to-peer lending
Global transfers
Manage your money
DepositWithdraw to fiatWithdraw to cryptoTransfer
My Account
Sign InGet Started
Change Language
Invest the way you want

Set your own rates.

No minimum capital.

Invest only in secured loans.

Your investments are fully backed by borrower collateral, smart contracts and FDIC insurance. Withdraw unloaned portions anytime.

Questions? Let's get on a call.
Set up a time here.
Set your own lending terms


Want to get a borrower instantly? Invest at the current market rate of 10%. Or increase your rate and wait for a matching order.

Set your own rates

Our peer-to-peer matching algorithm replaces the centralized inefficiency of the current banking system, allowing you to tap into true market demand.

$130M insurance

Funds that have not yet been loaned out are kept safe at multiple FDIC-insured bank accounts with an aggregated insurance of $130M. You can withdraw anytime.

Protected by Ethereum

When your money is on loan, it is protected by a smart contract that will always run exactly as programmed. Enjoy automatic return of principal and payout of profit.

Collateral backed

If borrowers default or their collateral falls in value, you don’t lose a cent. How? We strictly require every loan to be 150% backed by collateral.

How to invest

1. Set your own terms

Choose how much you want to invest and for how long, then enter the interest rate you want to earn.

2. Wait to be matched

The matching algorithm finds borrowers that meet your requirements. While you wait, all unloaned portions are FDIC insured and can be withdrawn at any time.

3. Start earning interest

Once a borrower is found, you’ll start earning interest on the matched amount, to be withdrawn at the end of your term.

Top questions from users

How long will it take to find a match?
This depends on the rates and terms you set. Market levels normally result in immediate (or near-immediate) matches, so we update the market rates on the website regularly. If you choose a lower interest rate, it might take a little longer to find you a suitable match. After you've found a match, the loan will be available in your account within 24 hours (slightly longer for larger amounts).
Are there any limits?
None at all. You can invest as much or as little as you like.
How do I invest?

Enter how much you want to invest and for how long, and the interest rate you want to earn. Make a transfer of that amount to our FDIC-insured escrow account, and wait for a match. This is usually very quick if you’ve set market rates.

Once you’ve found a match, we’ll transfer your funds from the escrow to the borrower’s account. You’ll immediately start earning the interest rate you chose. At the end of the loan term, the borrower will repay the loan and interest which we’ll then transfer to your Constant account. It’s up to you what you’d like to do next – you can reinvest, withdraw, or send money abroad.

How do you protect my investment?

We’ve taken important steps to safeguard not just your investment, but your returns, too.

All of our borrowers must put up 150% of the loan amount as crypto collateral. We also include a liquidation threshold to insure against a fall in the collateral’s value.

Your loan terms are hardcoded into an Ethereum smart contract that strictly defines how your money is used. When not on loan, we store your money in FDIC-insured bank accounts, overseen by Prime Trust, an accredited financial institution.

Combined, these protective measures ensure that no matter what happens – if the borrower doesn’t repay, the crypto market dips, or some other unfortunate event occurs – the return of your principal and profit is guaranteed.

What happens when my money isn’t on loan?
When not on loan, we store your money across multiple FDIC-insured bank accounts (with total coverage of $130,000,000). Prime Trust, an accredited US financial institution, manages these accounts on our behalf – we never take custody of the funds.

Open an account

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