FAQ

TEB Lend is a peer-to-peer, fixed-term lending book on Solana. Borrowers post crypto as collateral and take USDC, USDT, or SOL. Lenders bid credit against that collateral at a fixed APR and a set duration.

There is no price oracle liquidation. If the borrower repays principal plus interest by maturity, collateral returns. If they do not, the lender may claim the escrowed collateral. The borrower keeps the credit they already received.

Borrowing keeps your exposure to the collateral. If you believe TEB, TBB, or another token will hold or rise, you can spend or farm the borrowed dollars without selling the bag.

Selling can be a taxable event in many places; borrowing may be treated differently. That is not tax advice — check with someone licensed where you live.

Each loan is a match between one borrower and one lender, on terms they both accept: asset, size, APR, LTV, and 1, 7, or 14 days.

There is no pooled vault of lenders sharing one utilization rate. You see the offer, you take it or you pass. Default is time-based, not a cascade from someone else’s position.

Most money markets reprice with oracles and can liquidate when the collateral’s dollar value drops. TEB Lend does not. The only “liquidation” is missing the repayment deadline.

You can post almost any Solana token as collateral by mint address. Credit is USDC, USDT, or SOL. Origination takes a platform fee from the credit at funding; repayment is still full principal plus the agreed interest.

Solana mainnet only. Connect Phantom, Solflare, or another Solana wallet. Every post, fill, repay, cancel, and claim is a transaction you sign.

Open Borrow, pick collateral (TEB, a listed token, or any mint you search), set how much you want in USDC / USDT / SOL, LTV, APR, and duration, then escrow the collateral.

That ask sits on the Lend book until a lender funds it. You receive the credit minus the origination fee. Repay principal plus interest before the timer ends to unlock collateral from the vault.

You can also take an existing bid on the Borrow book: deposit collateral and receive that lender’s credit in one flow.

Open Lend to fund someone’s ask (send credit to the borrower, fee to the vault) or post a bid: escrow USDC, USDT, or SOL against a collateral type and wait for a borrower to accept.

If they repay on time, you receive principal plus interest in your wallet. If the countdown hits zero and they have not repaid, Claim collateral on the Dashboard. Nothing moves until you sign that claim — it is not automatic.

Keep LTV conservative on thin or volatile collateral. A 75% LTV on an illiquid mint is easy to regret if you have to claim it.

APR is a market: too low and lenders skip you; too high and borrowers skip you. Duration is 1, 7, or 14 days. Shorter loans are simpler to manage while the book is small.

Collateral can be TEB or any mint you look up by contract address, as long as your wallet holds it. Credit for borrowing is USDC, USDT, or native SOL.

A USD price is required to cap the credit size. If Jupiter and DexScreener have no price, you cannot post that credit amount. There is no NFT or bundle collateral in this version.

TEB Lend takes a 2% origination fee from the credit at funding. Example: a 100 USDC loan sends 98 USDC to the borrower and 2 USDC to the vault. Repayment is still 100 USDC plus interest.

You also pay ordinary Solana network fees in SOL for every signature (post, fill, repay, cancel, claim). There is no extra fee on repay or claim beyond that and the interest you already agreed.

Origination fees sit in the vault until the treasury wallet sweeps them. Only that treasury can see Sweep on the Dashboard.

TEB (The Earn Bull) is the home token of this book. You can post it as collateral, and you can stake it on TEB Staking — a separate app. TEB Lend does not issue a governance token and is not a DAO.

No. This interface is not a battle-tested Solana program. Collateral and fees are held in an application-controlled vault, not a program-derived account (PDA). Treat it as experimental and size positions accordingly.

In the TEB Lend vault, a Solana wallet the app signs for. While a loan is active, collateral is not in the borrower’s wallet. Credit for open bids sits there until fill, cancel, or repay.

Current vault: 7cLvyGYd9En6AeK8Gr6sYn25NCxiKdmchFvYfr1YUj8e. You can view it on Solscan. Tokens leave only when the app builds a release (repay, cancel, default claim, or fee sweep) and the required wallets sign.

Nothing is seized automatically. The loan is matured. The lender can Claim collateral; the borrower can still Repay until that claim confirms. Whichever vault release lands first wins.

There is no extra late fee and no price-based liquidation. After a successful claim, the borrower keeps the borrowed tokens and the lender receives the escrowed collateral.

Yes. Credit (the amount borrowed or lent) is capped at $1,000 USD per offer, using Jupiter or DexScreener prices. Collateral is not capped in dollars.

The form blocks an over-cap post before you sign. The server rejects over-cap posts and fills even if someone bypasses the form.

Only the configured treasury wallet: 6DzaDYF6VT24np4G4T7cdrxs8mm8ZrxicuezFnN7yZhP. When that wallet is connected, the Dashboard shows Sweep. No other address can take origination fees from the vault through this app.

Phantom blocks some requests when it cannot simulate the transaction, or when the domain is new and unverified. TEB Lend uses a vault co-signer and lives on grok.me, which Phantom has not listed as a trusted app.

If you trust this site, you can use Proceed anyway in Phantom. For a lasting fix the operator must submit the domain to Phantom’s review and, ideally, use a custom verified domain. Never approve a request on a site you did not intend to open.