avocado.fund›borrow

Borrow USDC

Verify your identity with Persona KYC and access uncollateralised credit up to $10,000 USDC. No collateral required — interest accrues per second at 12% APR. Repay anytime.

Quick Info

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what is avocado.fund?learn more
Max credit$10,000
Interest rate12% APR
CollateralNone
VerificationPersona

Connect your wallet to begin identity verification.

What you unlock

Up to $10,000 USDC

No collateral required

12% APR fixed rate

Accrues per second, repay anytime

AVO Score

Build on-chain credit history

Credit tier upgrades

More credit as you repay on time

Verify once with Persona KYC — government ID + face match. Takes ~2 minutes.

How borrowing works

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Step 1

Verify with Persona

Prove you are a unique human with biometric ID check. One person, one credit line.

Step 2

Get your AVO Score

Your on-chain credit score (0–100). Starts low, grows with every on-time repayment.

Step 3

Borrow USDC

Request up to your credit limit. Funds arrive in your wallet instantly — no collateral.

Step 4

Build reputation

Repay on time to raise your score, unlock higher tiers, and access larger limits.

Credit tiers

All three conditions must be met — only on-time repayments count

TierCreditMin scoreRepaymentsAccount age
0$25Score 0+——
1$50Score 10+——
2$150Score 35+1 repayment14 days
3$500Score 52+3 repayments30 days
4$2,000Score 65+7 repayments90 days
5$10,000Score 78+12 repayments365 days

Score, repayment count, and account age must all be met. Only on-time repayments count toward tier advancement — late payments do not.

Default consequences

1 defaultTier 1 cap$50Must rebuild on-time history to advance
2 defaultsTier 0 cap$25Account flagged — admin review required
3+ defaultsLocked out$0Admin must manually re-enable

Default = loan passes its 30-day due date without repayment. Late repayments (after due date) incur −5 pts each.