MyConstant - Secured P2P lending

MyConstant: a world of financial power in your pocket.

You choose the interest rate. You choose the term. We match you with someone happy to do business with you.

Investors: enjoy up to 7% APR on your money, with terms of any size starting from 30 days. All lending is backed up to 200% by liquid collateral that's easily sold if borrowers default, protecting your investment. Auto-reinvest your earnings or withdraw in USD or stablecoins.

Borrowers: borrow against 75+ cryptos at flexible rates and terms. Prime Trust insured custody and smart contracts protect your assets until you repay. Top up collateral if it falls in value or withdraw excess if it increases. Get cash for crypto without selling up.

MyConstant gives you more:

Free USD withdrawals.
Invest or borrow from just $50.
Earn up to 4% APY on your balance through instant-access.
24/7 customer support via email, phone, live chat and social media.

How it works

Borrowers:

Choose an amount, interest rate, and term.
Select your collateral.
Send your collateral to Prime Trust.
Withdraw your loan in USD or supported stablecoins.
Repay (in USD or crypto) and your collateral is returned.

Investors:

Choose an amount, interest rate, and term.
Transfer your funds (USD or stablecoins).
Match with a borrower.
Start earning interest immediately.
Withdraw your principal plus profit at the end of the term.

Instant-access: investing made easy.

Fixated term investing not your thing? No worries - just deposit funds and your balance automatically earns upt o 4% APY hough instant-access, a secured lending pool. You can withdraw anything for free, and your balance is protected by borrower collateral.

You can also disable instant-access from Settings and instead your balance will be escrowed with Prime Trust, an accredited US custodian insured up to $130M.

What are customers saying about MyConstant?

"I'd recommend this platform based on its high returns, intuitive platform, and unique opportunity to earn interest at higher interest rates. I like that it offers different options to earn higher returns based on period terms."
Cort L

"I've been using this platform for over 2.5 years. Only as a lender. They have amazing protections set up to give the investors confidence that they will get paid back. They're constantly integrating new features and are responsive when an issue arises."
James N

"MyConstant is exactly as it advertises itself. I've only used their investment tools, but it's super simple. You can earn up to 7% APR on a fixed-term investment of 6 months (so it's only 3.5% return for half a year) meaning you get $3.50 interest for keeping $100 in for six months."
Joseph C


Terms and conditions

Maximum loan term is 180 days.
Minimum loan term is 30 days.
The maximum Annual Percentage Rate (APR) is 7%.
You can repay at any time during the loan term.
Your maximum repayment period is the duration of the loan.
You're not required to make minimum or regular payments. Simply repay the total repayment amount by the end of your term.
If you're more than 3 days late in repaying your loan, your collateral will be sold to repay investors.
Borrowers will be charged a 3.5% matching fee on the value of their loan.
There are no investment fees for using the platform.
All USD withdrawals are free.
Please read our Investor Agreement and Borrower Agreement before using the platform.
Loan example: If you request a loan of $1,000 at 7% APR, you must put up $2,000 worth of your cryptocurrency as collateral. Once your loan term ends, you must repay in full. If you fail to repay in 3 days of your loan maturity date, or if your collateral's value falls to 110% of the investors' principal plus earned interest at any point during the term, your collateral will be sold to repay the investor and you will receive the difference in USD (if any).