> For the complete documentation index, see [llms.txt](https://ooia-marketplace.gitbook.io/ooiamarketplace/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://ooia-marketplace.gitbook.io/ooiamarketplace/marketplace-modules/p2p-lending.md).

# P2P Lending

**P2P Lending** is a unique NFT lending mechanism on TON where users themselves act as both borrowers and lenders. This module is a fully Web3 product — the reliability and transparency of each deal are guaranteed by smart contracts.

<figure><img src="/files/nSQaas9GKbYyBjhaQiMT" alt=""><figcaption></figcaption></figure>

**Lender** – a user who provides funds to another user at an agreed interest rate.\
**Borrower** – a user who receives those funds by offering their NFT as collateral, with the obligation to repay the loan under the agreed terms.

The borrower must repay the loan including the specified interest rate before the loan term ends. Otherwise, the NFT provided as collateral will be transferred to the lender.

### To create a lending offer:

1. Go to the page of the NFT you want to use as collateral and click **Put on sale**. Choose the **Lending Offer** option.
2. Fill in the lending parameters and publish your offer\
   \
   **Amount** – the amount you wish to borrow\
   **Duration** – the loan term\
   **Interest rate** – the percentage of the loan amount that will be paid to the lender on top of the loaned amount\
   \
   ![](/files/gtF3s5zcddXTR9aU4m3s)<br>
3. Now wait for offers from other users on your NFT page. Once a suitable offer is received, select it and initiate the lending process.\
   \
   ![](/files/fbqnuiOFetJPAj2Cy8ab)

### To provide a loan:

1. Visit the page of an NFT listed for lending and click **Make offer**.
2. Fill in the terms of your loan proposal and submit it. Make sure your offer is competitive.

{% hint style="info" %}
**Note:** You cannot set values lower than those originally specified by the borrower.
{% endhint %}

<div align="left" data-full-width="false"><figure><img src="/files/Sec9TsSXOSwxycITbz2U" alt="" width="375"><figcaption></figcaption></figure></div>

3. Wait for the borrower to accept your offer.

{% hint style="info" %}
If the borrower accepts someone else’s offer or cancels the loan, your funds will be returned immediately.
{% endhint %}

> You can cancel your own offer at any time before it's accepted.

### To repay a loan:

Go to the page of your NFT currently held as collateral and click **Repay lending**.

> If the loan is not repaid before the deadline, your NFT will be transferred to the lender.

* The borrower is obliged to repay the loan with interest on time.
* If the loan is successfully repaid, the NFT is returned to the owner.
* If the loan is not repaid, the NFT is automatically transferred to the lender.

## FAQ:

**Can lending or loan offers be canceled?**\
\- Yes, you can cancel lending or loan offers at any time before an offer is accepted.

**Does the marketplace charge a fee on lending deals?**\
\- Yes, the marketplace charges a 5% fee on the *profit* from a successful lending deal.\
If the borrower fails to repay and the NFT is transferred to the lender, no fee is charged.

**If the borrower defaults, does the lender receive both the funds and the NFT?**\
\- No, in case of default, the lender receives only the NFT provided as collateral.

**Can the lender claim the repayment before the end of the loan term?**\
\- No, the lender receives the funds + interest only when the borrower repays the loan, or the NFT is claimed after the loan term ends.


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