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SmartLoans 🏦

Access liquidity. Keep your bags. Stay fine.

SmartLoans let you borrow against the baseline value (backing value) of your $FINE, without selling your tokens.

It’s liquidity when you need it, while keeping your exposure to $FINE.

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How SmartLoans Work ⚙️

1. Open a loan You choose how much $FINE to use as collateral. Those tokens move from your wallet into the SmartLoan contract.

2. Receive your loan instantly You receive the baseline value of your collateral in $USD1.

3. You have 30 days to repay There is no interest during this 30-day period.

4. Need more time? Extend the loan Before the 30 days are over, you can extend your loan for another 30 days by burning 0.1% of your collateral. You can extend again as many times as you need, as long as you do it on time.

5. If you don’t repay or extend in time Your collateral is burned by the protocol. It is permanently lost.

6. Repay in one go or in batches Every repayment returns a proportional amount of your $FINE back to your wallet. Once the loan is fully repaid, all remaining collateral is released.

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🔐 Safety & Design

SmartLoans are built on the same SmartDeFi logic as backing and floor:

  • no price oracles

  • no external lending platform

  • no liquidation price based on market swings

  • all logic and data are on-chain

Your collateral is valued using the same baseline logic that secures the rising floor.

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❓ Why Your Tokens Disappear From Your Wallet

When you use $FINE as collateral:

  • the tokens are held in the SmartLoan contract

  • they don’t appear in your wallet during the loan

  • they are released back to you as you repay

While they are collateral:

  • they do not earn staking rewards

  • they do not receive any reflections (not relevant for $FINE, but true for reflective tokens in general)

They simply serve as backing for your loan.

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🔍 Note for $FINE users

$FINE has a 4% fee, this means interacting with SmartLoans will trigger this 4% fee on some transactions

SmartLoans are a powerful tool, but like any tool, they make the most sense when you really need liquidity and still want to keep your position. It’s something to use thoughtfully, not casually.

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💡 In Short

SmartLoans allow you to:

  • unlock liquidity

  • keep your $FINE exposure

  • avoid panic selling

  • manage short-term needs with long-term conviction

Used calmly and with a plan, they can be a useful option in the $FINE ecosystem.

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