Collector Loans is a lending protocol on Solana that lets you borrow USDC against your Pokemon card NFTs from CollectorCrypt — without selling them.
Collector Loans bridges the gap between collectible card ownership and DeFi liquidity. If you own Pokemon card NFTs through CollectorCrypt, you can use them as collateral to borrow USDC. When you repay your loan within the duration, you get your cards back.
Get started with Collector Loans in four steps:
Click "Launch App" and connect a Solana wallet that holds CollectorCrypt Pokemon card NFTs. We support Phantom, Brave Wallet, and Jupiter.
Your CollectorCrypt cards are detected automatically. Browse them in the Borrow view and select one or more cards to use as collateral.
Pick a tier that fits your needs. Higher LTV gives you more USDC but requires a shorter repayment window and higher fee. The loan summary panel shows exactly what you'll receive and what you'll repay.
Click "Deposit & Borrow" and approve the transaction in your wallet. Your cards are transferred to escrow and USDC is sent to your wallet in a single atomic transaction.
Collector Loans supports the following Solana wallets:
| Wallet | Platform | Status |
|---|---|---|
| Phantom | Browser, iOS, Android | Fully supported |
| Brave Wallet | Brave browser (built-in) | Fully supported |
| Jupiter | Mobile, Browser extension | Fully supported |
| Ledger | Hardware (via Phantom) | Supported via Phantom |
Collector Loans uses a collateralized lending model with fixed-duration loans and flat fees. Here's the full lifecycle:
You select cards from your wallet and choose a loan tier (Express, Quick, or Standard). Your cards are transferred to the Collector Loans escrow wallet, which holds them until the loan is repaid or expires.
Based on your selected tier's LTV ratio and the insured value of your cards, you receive USDC instantly. The deposit and USDC transfer happen in a single atomic Solana transaction — if any step fails, everything reverts.
You have a fixed window (2, 5, or 7 days depending on your tier) to repay the loan amount plus the flat fee. Upon repayment, your cards are returned to your wallet in a single transaction.
If you don't repay within the loan duration, the loan expires and the protocol keeps your cards. There are no additional penalties or debt beyond the collateral.
Collector Loans offers three loan tiers. Each tier has a different balance of LTV, duration, and fee:
| Tier | Duration | LTV | Flat Fee | Best For |
|---|---|---|---|---|
| Express | 2 days | 50% | 3% | Maximum liquidity, quick turnaround |
| Quick | 5 days | 40% | 2% | Balanced terms |
| Standard | 7 days | 30% | 1.5% | Lowest cost, more time to repay |
You deposit a card worth 100 USDC:
Express (2 days, 50% LTV, 3% fee)
You receive: 50.00 USDC
You repay: 51.50 USDC
Quick (5 days, 40% LTV, 2% fee)
You receive: 40.00 USDC
You repay: 40.80 USDC
Standard (7 days, 30% LTV, 1.5% fee)
You receive: 30.00 USDC
You repay: 30.45 USDCCard prices are sourced from CollectorCrypt's metadata API. Each card has an Insured Value assigned by CollectorCrypt based on market data and grading. This is the same valuation used across the CollectorCrypt ecosystem.
When you initiate a borrow, the server fetches the card's insured value directly from CollectorCrypt's API — independent of any data sent by the browser. This prevents price manipulation.
You can deposit multiple cards in a single loan. The borrow amount is based on the combined insured value of all deposited cards, multiplied by the selected tier's LTV ratio.
Repaying your loan returns your cards to your wallet:
The repay amount is fixed at the time of borrowing: borrowed amount x (1 + fee). It does not change over time — no compounding, no surprises.
Partial repayment is not supported. You must repay the full amount to retrieve all your cards from a loan.
You must repay before the loan expires. The countdown is visible on each loan card in the Repay view. If the loan expires, repayment is no longer possible and the cards are forfeited.
If you do not repay within the loan duration:
This model is intentionally simple: you either repay within the window and get your cards back, or you keep the USDC and forfeit the cards. There are no margin calls, no surprise liquidations, and no ongoing debt.
All operations in Collector Loans are executed as atomic Solana transactions:
A single transaction that performs two operations atomically:
A single transaction that reverses the borrow:
The user pays all Solana network fees (transaction fees, ATA rent). The treasury wallet does not need SOL. Make sure you have a small amount of SOL in your wallet (~0.01 SOL is sufficient for most transactions).
All protocol wallets are publicly verifiable on-chain. Click the Solscan icon to view any address on the explorer.
| Fee Type | Amount | Notes |
|---|---|---|
| Express loan fee | 3% flat | Applied once on the borrowed amount |
| Quick loan fee | 2% flat | Applied once on the borrowed amount |
| Standard loan fee | 1.5% flat | Applied once on the borrowed amount |
| Network fee | ~0.000005 SOL | Standard Solana transaction fee, paid by the user |
There are no origination fees, no repayment fees, and no compounding interest. The flat fee is the only cost beyond the Solana network fee.
Nothing changes. There are no margin calls or forced liquidations. Your repay amount stays the same regardless of price movement. You either repay within the duration to get your cards back, or you don't.
Only Pokemon card NFTs minted through CollectorCrypt on Solana are supported. Cards from other platforms, physical cards, or non-Pokemon NFTs are not eligible.
It depends on how much USDC you need and how quickly you can repay. Express gives you the most USDC (50% LTV) but you only have 2 days to repay and the fee is 3%. Standard gives less USDC (30% LTV) but you have 7 days and only pay 1.5%. Quick is in the middle.
If the loan expires, the cards are kept by the protocol. There is no additional debt or penalty — the collateral settles the loan. You keep the USDC you borrowed.
No. Each deposit creates a separate loan. To borrow against additional cards, create a new loan.
The user pays all Solana network fees. About 0.01 SOL is enough for most transactions (borrow or repay). If the transaction creates new token accounts, a small additional rent fee may apply.
Yes. The repay amount is set at borrow time and does not change. There is no compounding or daily accrual. If you borrow 50 USDC on the Express tier (3% fee), you repay 51.50 USDC whether you repay after 1 hour or 47 hours.
| Term | Definition |
|---|---|
| LTV | Loan-to-Value ratio — the percentage of collateral value you can borrow. Higher LTV means more USDC but higher risk for the protocol. |
| Flat Fee | A one-time fee applied to the borrowed amount. No compounding or daily accrual. |
| Collateral | Assets (Pokemon card NFTs) deposited to secure a loan. |
| Escrow | An on-chain wallet that holds NFTs on behalf of the protocol until the loan is repaid or expires. |
| USDC | USD Coin — a stablecoin pegged to the US dollar, issued by Circle. Used as the lending currency on Collector Loans. |
| SOL | The native token of the Solana blockchain. Used to pay network transaction fees. |
| NFT | Non-Fungible Token — a unique digital asset on the blockchain. |
| pNFT | Programmable Non-Fungible Token — a Metaplex standard for NFTs with enforced royalties and transfer restrictions. CollectorCrypt cards use this standard. |
| Atomic Transaction | A transaction where all operations succeed or all operations fail — nothing can happen partially. |
| ATA | Associated Token Account — a Solana account that holds SPL tokens (including NFTs) for a specific wallet. |