avocado.fund›borrow

Borrow USDC

Verify your identity 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
VerificationID + Selfie

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

One-time verification — government ID + selfie. Quick and secure.

How borrowing works

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Step 1

Verify Identity

Prove you are a unique human with ID verification. 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 four conditions must be met — only on-time repayments count

TierCreditMin scoreRepaymentsTotal repaidAccount age
0$25Score 0+———
1$50Score 15+———
2$250Score 35+2 repayments≥$50, held ≥14d$10030 days
3$750Score 52+4 repayments≥$200, held ≥14d$60060 days
4$3,000Score 65+6 repayments≥$500, held ≥20d$2,500120 days
5$10,000Score 78+12 repayments≥$1,500, held ≥25d$8,000365 days

Score, qualified repayments, lifetime USDC repaid, and account age must all be met. A repayment only counts as qualified when it was on-time and met that tier's minimum loan size and hold time — same-day micro-loans never advance a tier.

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.