Our peer-to-peer matching algorithm replaces the centralized inefficiency of the current banking system, allowing you to tap into true market demand.
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.
When your money is on loan, it is protected by a smart contract that is over collateralized by crypto assets. The smart contract will always run exactly as programmed.
For borrowers, Constant does not touch your collateral. It is securely stored in an Ethereum smart contract escrow.
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.
Investment funds are held in USD – other fiat currencies will be converted.
For borrower collateral, we accept BTC and ETH.
Loans are offered in USD, VND and Constant – the platform’s native stablecoin, pegged 1:1 with the USD.