Lending on CollaFi
Lenders provide HBAR through collection-level offers. When a borrower accepts an offer, the loan is backed by an NFT held in escrow.
What you need
- A Hedera wallet supported through HashPack or WalletConnect.
- HBAR to fund your offers and transaction costs.
- An understanding of the collection and the risks of its NFT collateral.
Create a loan offer
- Open Collections.
- Select the collection you want to lend against.
- Select Lend or Make Offer.
- Enter the HBAR amount you are prepared to lend.
- Review the offer amount, creation fee, interest breakdown, and total approval.
- Approve the required wallet transactions.
Your offer is then visible to borrowers until it is accepted or cancelled.
Create offers in bulk
You can create up to 10 offers for the same collection in one flow. Each offer remains independent after creation and can be accepted or cancelled separately.
Bulk offers can help you distribute capital across different principal amounts, but the applicable offer fee is calculated for each offer. Always review the complete total before approving.
Evaluate an offer amount
CollaFi does not set the amount you should offer. Consider:
- The current collection floor price.
- Market liquidity and recent trading activity.
- The collection's community and development activity.
- The possibility that the floor price falls during the loan.
- The default-claim fee that would apply.
- The amount of capital you can afford to have locked during the loan term.
There is no platform-enforced maximum loan-to-value ratio. Displayed floor prices are indicative and should not be treated as guaranteed sale values.
When an offer is accepted
The offer becomes an active loan, the principal is paid to the borrower, and their NFT is held in CollaFi-controlled escrow. The loan runs for seven days.
The lender cannot recall the principal while the loan is active.
Claim a repayment
When the borrower repays, your principal and lender share of interest become claimable.
- Open Portfolio and select Lending.
- Find the repaid loan.
- Select Claim.
- Review the amount receivable.
- Approve the wallet transaction.
The confirmation shows the principal and interest included in the claim. Eligible claims may also be processed in bulk.
Claim a defaulted NFT
If the borrower does not repay before the deadline, the loan enters default and you can claim its NFT collateral.
- Open Portfolio and select Lending.
- Find the defaulted loan.
- Select Claim NFT.
- Review the applicable claim fee.
- Approve the fee and claim transactions.
Your wallet must be associated with the NFT's token before it can receive the asset.
Default claim fees
| Original principal | Claim fee |
|---|---|
| Up to 500 HBAR | 5 HBAR |
| 501-1,000 HBAR | 10 HBAR |
| 1,001-1,500 HBAR | 15 HBAR |
| 1,501 HBAR or more | 20 HBAR |
Claiming an NFT does not guarantee a profit. The asset may be worth less than the original principal and may be difficult to sell.
Lender costs and returns
| Item | Typical amount | When it applies |
|---|---|---|
| Offer creation fee | 2-5 HBAR per offer | When creating an offer |
| Lender interest | Commonly 3%-6% of principal | After a successful repayment |
| Default claim fee | 5-20 HBAR | When claiming a defaulted NFT |
Actual collection terms and fees are shown in the platform before approval.
Points and rewards
Lenders may earn points when an offer is accepted and becomes an active loan. Points are tied to your account, carry no monetary value, and can be used for eligible NFT rewards while available.
Warning: NFT values can move sharply. Diversification and a conservative offer amount may reduce risk, but neither removes the possibility of partial or complete capital loss.
Note: This guide is informational and does not constitute financial advice.