Two Ways to Receive Your Loan
When you set your loan terms, you choose how to receive the proceeds: as USDC to a crypto wallet, or as fiat USD to your bank account.
Receive funds via
Crypto Wallet
~10 min · USDC
Bank Account
1–2 business days · ACH
Both options include a quick, one-time identity check before your first loan.
Crypto Wallet (USDC)
- Speed: typically available within minutes of your collateral confirming.
- Where it lands: any Ethereum (ERC-20) wallet address you control.
- Best for: spending in DeFi, holding stablecoins, or converting on your own exchange.
Use a wallet you control
Enter an Ethereum wallet address you own (e.g. MetaMask) — not an exchange deposit address. Funds sent to the wrong type of address can be lost.
Bank Account (Fiat USD)
- Speed: typically 1–3 business days via ACH.
- Where it lands: your linked US bank account.
- Extra steps: requires two-factor authentication and linking your bank.
Both options require the same one-time identity check. The bank option adds two-factor authentication and a bank-linking step, and larger loans may need an extra compliance review.
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