The application process is very simple:

1. Register and complete real-name authentication
2. Choose a loan product based on your needs
3. Submit application materials
4. Wait for review (usually completed within 24 hours)
5. After the review is passed, the funds will be directly transferred to your specified wallet address

We adopt multiple risk control measures:

• The mortgage rate is controlled between 50-70%
• Set price warning line and liquidation line
• Use smart contracts to automatically execute liquidation
• Deposit mortgage assets in cold wallets
• Provide margin call mechanism

Basic materials include:

• Corporate registration certificate
• Legal person identification certificate
• Business turnover in the last 6 months
• Project white paper or business plan (if applicable)
• Team background information

Depending on the loan amount, additional financial or technical documents may be required.

We offer a variety of repayment methods:

• Equal principal and interest (fixed monthly repayment)
• Interest first, principal later (only interest paid in the early stage, principal paid at maturity)
• One-time principal and interest payment at maturity
• Customized repayment plan based on cash flow

Some products support early repayment without penalty.

Overdue will have the following effects:

• Overdue penalty interest will be charged daily (usually 1.5 times the interest rate)
• Affect your blockchain credit score
• For mortgage loans, the liquidation mechanism may be triggered
• Severe overdue will enter the legal collection process

It is recommended to contact customer service in time to negotiate a solution when you encounter repayment difficulties.