CELO · CREDITProposal byOWN

Borrow without selling CELO.

Lock CELO, receive stablecoins, and repay through fixed monthly installments. With no liquidation risk from price volatility.

LTV
50%
Fixed APR
7%
Term
5 years

Enter one amount to join the non-binding borrower signup.

CELO collateral required
$200,000
≈ 2,590,673.58 CELO
Monthly payment
$1,980.12
Interest over 5 years
$18,807
Total repayment
$118,807
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How it works?

Celo supplies stablecoins; holders borrow against CELO and return principal plus interest over time.

  1. 01 · Fund

    Celo commits stablecoins

    A defined amount is allocated from the treasury.

  2. 02 · Secure

    Borrower locks CELO

    The borrower posts CELO worth twice the loan.

  3. 03 · Release

    Stablecoins arrive

    The borrower receives liquidity without selling CELO.

  4. 04 · Repay

    Payments return

    Fixed principal and interest flow back each month.

  5. 05 · Unlock

    CELO is reclaimed

    The final scheduled payment unlocks the collateral.

Borrower condition: missed repayments will result in loss of the locked collateral.

What we’re proposing to Celo.

  1. Allocate stablecoins

    Celo would open a lending facility offering fixed-rate loans to CELO holders.

  2. Lend against CELO

    Borrowers would lock CELO worth twice the loan and repay monthly over five years.

  3. Return capital and interest

    Scheduled repayments would return principal and interest to the Celo treasury.