What is Unlockd?

Instant, safe loans against your RWAS, Token Streams and any NFT while keeping their utility.

Unlockd is the only permissionless RWA liquidity protocol powered by advanced AI where users can participate as depositors or borrowers.

It facilitates the safest, most secure, and cost-effective way to borrow against tokenized Real-World Assets, token streams and any kind of NFT with instant loans, as well as risk-free, auto-compounding yield directly in ETH for lenders.

It is, at its core, a set of smart contracts deployed to the Ethereum Mainnet, where depositors lenders deposit their assets in pools to receive yield in exchange for their liquidity contribution.

This is a Peer-To-Pool model, more efficient and fair than other Peer-To-Peer models. Borrowers take permissionless loans with no fixed expiration date, instantaneously, with a fair interest rate, and against their NFTsโ€Šโ€”โ€Šif they are part of the eligible collections.

Our advanced AI ensures the best loan conditions (asset valuation and smart Loan-To-Value), tailored to your needs, without the complexity.

Everything you need to know, in a nutshell.

Permissionless, Instant Loans Against NFTs

  • Efficient Yield Generation: Lenders contribute liquidity to pools, receiving yields in return. This Peer-to-Pool system is more efficient than traditional Peer-to-Peer models.

  • Accessible Platform: Unlockd's permissionless nature eliminates complex verification, welcoming a broad user base.

  • Rapid Loan Processing: Borrowers receive instant loans against eligible NFTs, with plans for future cross-chain functionality.

  • Fair Interest Rates: The platform ensures reasonable rates, without fixed loan expiration dates.

AI-Driven Appraisals and Real-Time Risk Assessment

  • Accurate NFT Valuation: Partnering with leading appraisal firms, Unlockd uses AI and machine learning for individual NFT assessments, avoiding reliance on floor prices.

  • Adaptive LTV Rates: Dynamic LTV adjustments are made in response to real-time market data, benefiting both borrowers and lenders.

Full Utility Retention with Unlockd Account

  • True Ownership Feature: Borrowers retain complete utility and ownership rights of their collateralized NFTs. This includes access to token-gated events, airdrops, and staking rewards, even while the NFTs serve as loan collateral.

  • Uninterrupted Gaming Experience: Gamers can continue using their NFTs in associated gaming platforms, ensuring no loss of gaming utility.

Robust and Secure Ecosystem

  • Proven Security Standards: Audited by Halborn, Unlockd's protocol avoids common vulnerabilities of other NFT lending platforms.

  • Comprehensive Risk Framework: A specialized framework evaluates asset and liquidity risks, providing tailored LTV for individual NFTs.

Innovative Platform Features

  • Multi-NFT Collateral: Unique bundling of various NFTs into one loan enhances borrowing capacity and diversifies risk.

  • Unlockd Marketplace: Offers flexibility in NFT transactions, allowing listings and auctions with attached debt.

  • Customizable Notifications: Integration with hashmail enables users to stay informed about their investments and protocol updates.

Future Prospects

  • Community-Driven Governance: Transitioning towards decentralized governance, Unlockd is supported by a robust community and prominent investors.

  • Planned Developments: Introduction of transaction fees to benefit token holders and expand the DAO treasury, along with ongoing decentralization efforts.

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