🎁Off-chain loans

GiftToCredit - A brand new tool for instantly receiving TON by collateralizing your gifts.

Simple collateral process:

1. Transfer your gift to the @GiftToCredit bank

2. Select the gift in the @GiftToCreditBot App

3. Receive TON in your balance!

4. Redeem and get back your gift within the chosen term

That’s it! Use the liquidity in DeFi, buy new gifts, or cash out to fiat!

---

Referral program

There is a referral program for your friends and subscribers - you can earn 10% of all fees collected from the loans of your referrals. You personal link is available on profile page in the app @GiftToCreditBot

---

Liquidity pool

You can become a liquidity provider and earn income. Your funds will be used to issue loans to other users, and 50% of the commissions will be distributed among all liquidity providers. The interest rate is dynamic, depending on the protocol’s utilization rate, and typically stays at 12–18% APY. Currently, a TON pool is available, with other pools (including USDT) coming soon.

---

FAQ

❓ Can the loan term be extended?

The loan extension feature will be added in upcoming releases. For now, you have to repay the current loan and then issue a new one.

❓ Are there loan expiration notifications?

Yes, you’ll receive a notification several hours before the deadline. You’ll also get alerts for any changes to your internal balance.

❓ Are there auctions for overdue loans?

Currently, auctions are not available for expired loans.

❓ What happens if I fail to repay the loan on time?

Your collateral may be liquidated. We strongly advise not missing the repayment deadline.

---