KeeLendBeta

About

A credit desk for people who hold KTA.

KeeLend lends its own USDC. You do not deposit dollars with us, and there is no yield account. You lock KTA you already hold, borrow up to 40% of it, and pay 7.5% a year. Each address has one open loan. Many addresses can borrow at the same time.

The loan card shows the USDC that clears it, including interest. Send that from the same address to servicing. A smaller payment still counts, and interest comes off first. When the loan is clear, the vault KTA comes back, including any extra you sent.

If the loan reaches 52% of the collateral, KeeLend moves only enough KTA to cover what you owe plus a 5% fee, and returns the rest. That slice is sold for USDC in pieces when a market will take them. The loan amount goes back to inventory once the debt and fee are covered. A warning shows at 48%. Nothing else in your wallet is touched.

  1. 1

    Use the address you have

    Paste a Keeta address. No new wallet and no password. A valid KYC certificate on that address is required.

  2. 2

    Choose the USDC, then lock KTA

    The amount box starts at $0. Type an amount or tap Max. The most is the smaller of the USDC available and 40% of your KTA, and the smallest loan is $1. The target runs from 15% to 40%. A lower target locks more KTA. If the amount is already the maximum, lowering the target reduces the USDC instead. Send the KTA from Keeta Personal within 15 minutes. KeeLend then sends the USDC to you. You can send more KTA to the same vault later. That lowers the LTV and does not increase the loan.

  3. 3

    Repay, or only the slice moves

    Pay servicing any time. If price pushes the loan through the line, only the slice that covers the debt moves. The leftover returns. The slice is sold for USDC in pieces when a market will take it.

Read the rules and the steps

Roadmap

House book first. The trial is the only part that is open. The loop comes after it, still in 2026.

  1. Q4 2026

    Now

    Trial, then the loop

    A public trial on X. The book is $100 of KeeLend's own USDC. Borrow $1, repay it, and say what broke.

    After that trial, still this quarter: the loop. Extra KTA in the same vault can raise the loan, still capped at 40%. You swap the USDC yourself.

  2. Q1 2027

    Next

    A larger house book

    More of KeeLend's own USDC, added in steps, and only after the trial list is fixed.

    Public counts: USDC available, loans repaid, loans liquidated. No addresses. A terms page before the book grows past the trial.

  3. Q2 2027

    Later

    A guide on the site

    It answers from these pages and the public numbers. It will not take a key, open the desk, or tell you whether to borrow.

    A warning when a loan nears 48%, without leaving this page open all day.

  4. After that

    Not open

    Other people's dollars

    Suppliers may earn a share of interest borrowers actually paid. Idle USDC earns nothing. This is not open, and it is not a posted rate.

    A second collateral only after KTA lending no longer needs daily attention. Liquidation fees stay in treasury.

Contact

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