Earn up to 10% interest annually by saving in USD
& use your savings as security.

Why Choose Minilend?

Competitive Returns

Earn 4-10% APY on your stablecoin deposits with transparent, algorithmic interest rates

Collateral Loans

Minilend allows you to use your USDC savings as collateral for a local currency loan

11+
Supported Assets
150%
Collateral Ratio
24/7
Global Access
zkSelf
Privacy Compliance

Built for Modern Day Finance

Earn 4-10% APY

Competitive returns on your stablecoin deposits with flexible lock periods.

Starting at 2% base rate

Instant Liquidity

Borrow up to 66% of your collateral value at competitive rates.

150% collateral ratio

Flexible Terms

Choose from 30, 60, or 120-day lock periods to maximize your earnings.

Up to 365 days available

Withdraw funds anytime

Access your funds whenever you need them with flexible withdrawal options.

No penalties

Ready to get started?

Frequently Asked Questions

How does Minilend generate returns?
Minilend uses a dual approach: dollar-backed tokens earn yield through Aave integration, while other stablecoins generate returns through our internal lending pool where borrowers pay interest to lenders.
What makes Minilend unique?
Minilend allows you to use your savings as a security to take a quick loan in your local currency while maintaining your savings in dollars to reduce currency devaluation.
Is my money safe with Minilend?
Yes. Minilend uses battle-tested smart contracts, integrates with Aave for additional security, and maintains over-collateralization ratios. All transactions are transparent on the Celo blockchain.
How quickly can I access my funds?
Funds can be withdrawn immediately after the lock period ends. Borrowing is instant once you've deposited collateral. Emergency withdrawals may be available depending on pool liquidity.
What is zkSelf compliance?
zkSelf enables privacy-preserving KYC verification using zero-knowledge proofs. You can prove your identity and compliance status without revealing personal information, meeting regulatory requirements while protecting your privacy.

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