Step 1
Onboard once — operate like a product
Register as a lender with the same smart-account pattern as borrowers: social login, no seed phrase theatre, sponsored transactions when the protocol allows it.
For lenders & partners
Deploy capital with discipline — not with a folder full of someone else’s transactions.
The protocol returns deterministic qualification signals from encrypted income state. You see what policy allows: a yes or a no, premiums, and settlement — never raw borrower financials.
No spreadsheet underwriting
Eligibility is computed on ciphertext. You don’t custody exports, payslips, or full history files.
Escrow that enforces itself
ConfidentialEscrow releases on cryptographic conditions — gate, terms, and protection pool aligned.
Coverage when things break
ProtectionPool backs lender exposure; default flows resolve through protocol logic, not ad-hoc committees.
How you deploy and get paid back
Scroll the sequence — underwriting signals, escrow funding, and servicing are each designed to minimize custody and maximize determinism.
Lender journey step 1 of 7: Onboard once — operate like a product
Step 2
Your dashboard shows activity — not balances
Public events like IncomeRecorded carry addresses and timestamps. Dollar paths stay ciphertext; you never download a borrower’s statement from Lendi.
Step 3
No borrower file room on your side
Homomorphic state holds totals and comparisons. You don’t receive transaction graphs or monthly exports — only what ACL and decryption policy permit later.
Step 4
Premium before principal moves
ProtectionPool.calculatePremium runs on encrypted risk context. You see the premium line and coverage confirmation — not the private inputs that produced them.
Step 5
The gate’s answer is a bit — not a spreadsheet
LendiGate resolves proveIncome in FHE: ciphertext compared to ciphertext. You decrypt the boolean outcome alongside the borrower; the threshold and income never appear in plaintext on-chain.
Step 6
Fund ConfidentialEscrow — release is conditional
You deposit USDC into ReinieraOS escrow. When the gate, bilateral terms, and pool coverage all pass, FHE.select routes funds to the worker net of premium — no manual wire desk.
Step 7
Servicing & default — protocol, not committees
Installments return to you on schedule. If a deadline slips, activateClaim and judge() evaluate missed-payment proofs on ciphertext so principal recovery can execute without exposing borrower detail.
Where informal yield actually lives
Tens of millions of workers across Latin America already move value on digital rails — but institutional credit rarely reaches them. Lendi pairs that demand with capital that can deploy through encrypted gates instead of branch paperwork.
- Mexico City
- Bogotá
- Lima
- São Paulo
- Medellín
Why capital partners look twice
Built from the lender’s obligations: less custody, clearer gates, and automation when loans go off track.
Deterministic signals
FHE compares ciphertext to policy. You receive the same boolean class of answer as the borrower — not a narrative underwriting memo.
Escrow-native settlement
ConfidentialEscrow holds principal in encrypted form until LendiGate, bilateral terms, and pool coverage all agree — then release is a contract path.
Coverage, not vibes
ProtectionPool prices risk on encrypted history and pays claims through judge() when triggers fire — reducing open-ended lender exposure.
Silent failure privacy
When a gate fails, redeem paths avoid reverting in ways that leak why. Borrowers see a neutral message; competitors don’t get a forensic trail.
Lenders & partners
Deploy with the protocol in the loop
Whether you’re a P2P circle, fintech credit line, or treasury pilot — we’ll map you to the right partner track and documentation.