Lending Protocol Powered by AI Agent: Quant

Liqfinity offers the following services:

1. **Crypto Loans**: Borrow up to 100% of your crypto’s value (LTV) with no risk of liquidation, thanks to Sentinel AI, and enjoy unlimited loan duration.

2. **Sentinel AI**: Our proprietary AI dynamically adjusts fees based on market conditions, ensuring asset protection and stability in volatile markets.

3. **Liquidity Provision**: Provide USDT liquidity and earn rewards from hourly fees generated by loan borrowers.

4. **Crypto-Backed Credit Cards**: Spend your crypto without selling it through virtual cards powered by Mobilum, preserving your asset growth potential.

5. **Quant AI**: An AI-powered financial assistant launching in Q2 2025, providing market insights, automation options, and personalized financial support.

These services are designed to maximize flexibility, security, and earning potential for all users.

Loans on Liqfinity are fully backed by your crypto assets, which serve as collateral. Sentinel AI dynamically manages the platform to prevent liquidation risks, even during market volatility, ensuring your collateral remains secure.

While fees may be higher during market downturns, loans taken at optimal moments, such as market bottoms or strong support levels, can effectively act as a safe, leveraged long position. This provides additional strategic value while maintaining flexibility and security.

Unlike traditional platforms, Liqfinity allows you to borrow up to 100% of your crypto’s value (LTV) with no forced liquidation, preserving ownership and growth potential.

If the market crashes significantly, Liqfinity ensures your assets are protected through Sentinel AI, which dynamically adjusts fees to prevent forced liquidation. Unlike traditional platforms that liquidate entire positions during price drops, Liqfinity gradually liquidates portions of your collateral to cover unpaid fees if you fail to maintain sufficient funds in your wallet.

⚠️ Note: This means you may only recover a portion of your collateral while still being required to repay the full loan amount. Alternatively, you can choose not to repay the loan and retain the full 100% LTV amount in USDT, effectively treating it as a sale of your collateral.

This gradual liquidation process provides borrowers more time to react and adjust their strategies, offering a more user-friendly solution during extreme market volatility.

Fees on Liqfinity are paid hourly and are automatically deducted from the funds available in your wallet. If there are insufficient funds to cover the fees, the platform gradually liquidates a portion of your collateral to cover the unpaid fees.

The total fees include:

1. Base Hourly Fee: Dynamically adjusted by Sentinel AI based on market conditions.
2. Hourly Fee Tax: A tier-based percentage added on top of the Base Hourly Fee, serving as platform revenue.

⚠️ Note: It’s essential to maintain enough funds in your wallet to avoid collateral liquidation and ensure uninterrupted loan management.

This system ensures transparency and keeps your loan secure while adapting to market dynamics.

If you can’t pay the hourly fees due to insufficient funds in your wallet, Liqfinity will gradually liquidate a portion of your collateral to cover the unpaid fees. This process is managed by Sentinel AI to ensure fairness and stability.

⚠️ Important Notes:

1. Gradual Liquidation: Unlike traditional platforms, Liqfinity does not fully liquidate your position immediately. This gives you time to react and replenish your wallet.
2. Collateral Impact: If liquidation occurs, you may only recover a portion of your collateral while still being required to repay the full loan amount.
3. Option to Exit: Alternatively, you can choose not to repay the loan and retain the 100% LTV amount in USDT, treating it as a sale of your collateral.

This system provides flexibility and minimizes the impact of market volatility, offering a borrower-friendly approach even in challenging situations.

The cost of borrowing on Liqfinity includes:

1. Entry Fee: A one-time fee deducted from the loan amount, based on your tier:
   • Basic: 3%, Plus: 2.5%, Premium: 1.5%, Platinum: 1%.
2. Base Hourly Fee: Dynamically calculated by Sentinel AI based on market conditions, adapting to volatility.
3. Hourly Fee Tax: A tier-based percentage added on top of the Base Hourly Fee, serving as platform revenue:
   • Basic: 8%, Plus: 6%, Premium: 4%, Platinum: 2%.

⚠️ Note:

• Borrowing costs typically average around 8% monthly, though they may increase during periods of high market volatility.
• Based on our tests, loans taken during optimal market conditions have incurred costs as low as 2% monthly, making timing a critical factor in minimizing expenses.
• Liqfinity loans are best suited for short to medium-term strategies rather than very long-term use.

This flexible and dynamic fee structure ensures fairness while protecting your assets from liquidation risks.

Entry Fees on Liqfinity are a one-time fee charged upfront when you take out a loan. The fee is deducted directly from the loan amount and varies based on your tier, rewarding higher-tier users with reduced costs.

Entry Fee Structure by Tier:

• Basic: 3%
• Plus: 2.5%
• Premium: 1.5%
• Platinum: 1%

Example:

• A Basic user borrowing $1,000 will have an entry fee of 3%.
  • Fee: $1,000 × 3% = $30
  • Amount received: $1,000 – $30 = $970
• A Platinum user borrowing the same amount will have an entry fee of 1%.
  • Fee: $1,000 × 1% = $10
  • Amount received: $1,000 – $10 = $990

This tier-based system ensures fairness and rewards loyalty, making borrowing more cost-effective for higher-tier users.

In highly volatile markets, Liqfinity’s Sentinel AI dynamically adjusts fees to protect borrowers from liquidation risks. Here’s how it works:

1. Dynamic Fee Adjustments: Fees may increase during significant price drops to ensure the platform remains stable and your collateral is protected. Conversely, fees decrease during uptrends or stable markets.
2. No Forced Liquidation: Unlike traditional platforms, Liqfinity doesn’t fully liquidate positions during price swings. Instead, it gradually liquidates small portions of collateral to cover unpaid fees if necessary, giving borrowers more time to react.
3. Strategic Opportunity: Loans taken at market bottoms or support levels can effectively act as a leveraged long position, allowing borrowers to benefit from potential price recoveries while maintaining their loan.

⚠️ Note: Borrowers must ensure their wallet has enough funds to cover hourly fees to avoid collateral liquidation. If funds are insufficient, a portion of the collateral may be sold, potentially leaving the borrower with reduced holdings but still responsible for the full loan repayment.

Yes, the maximum amount you can borrow on Liqfinity depends on your tier. Borrowing limits are designed to reward users who lock more tokens:

Borrowing Limits by Tier:

• Basic: Up to $1,000
• Plus: Up to $10,000
• Premium: Up to $50,000
• Platinum: Up to $100,000

⚠️ Note: These limits may increase as Liqfinity’s treasury grows, providing greater flexibility for users in the future. Additionally, the maximum borrowing amount is always subject to the value of your collateral and adherence to the platform’s rules.

Providing liquidity on Liqfinity is similar to earning dividends in the sense that you earn passive income regularly, but it works slightly differently:

• How It Works: Liquidity providers deposit USDT into the platform’s liquidity pool. At least 90% of the hourly fees generated by loan borrowers are distributed proportionally to liquidity providers based on their contribution to the total pool.
• Earning Rewards: Rewards are calculated hourly and can be claimed at any time, providing flexibility and consistent returns as long as there are active loans generating fees.
• No Dividend-Like Ownership: Unlike dividends from stocks, you do not own a share of the platform. Instead, your earnings are tied directly to the fees generated by the activity of loan borrowers.

⚠️ Note: Rewards depend on the platform’s activity, so income is only generated when there are active loans paying hourly fees. This model provides a steady and fair return while supporting the ecosystem’s liquidity needs.

Yes, the number of liquidity providers can affect your earnings, as rewards are distributed proportionally based on your share of the total liquidity pool. Here’s how it works:

• Proportional Distribution: If you contribute 10% of the total pool, you receive 10% of the rewards generated from hourly fees. If the pool grows and your share decreases (e.g., more providers join), your percentage of the rewards will also decrease.
• Consistent Rewards Structure: At least 90% of hourly fees are distributed to liquidity providers, so the total pool of rewards remains consistent regardless of the number of participants.
• Potential for Growth: Increased liquidity strengthens the platform, attracting more borrowers and generating higher overall fees, which can help balance the impact of additional liquidity providers.

While your share of the rewards may decrease as the pool grows, the platform’s activity and overall fee generation are likely to scale alongside, potentially offsetting the impact.

Yes, Liqfinity will launch a token that plays a key role in the platform’s ecosystem. The token will offer several benefits to holders, including:

1. Tier Unlocking: Unlock higher tiers by locking tokens, granting access to larger credit lines, reduced Entry Fees, lower Hourly Fee Taxes, and increased referral commissions.
2. Community Governance: Participate in decentralized governance, enabling stakeholders to propose, debate, and vote on platform initiatives and policies.
3. Exclusive Features: Gain access to special benefits and platform features designed to enhance the user experience.

The token will be integral to fostering a strong, engaged community and aligning the platform’s growth with user needs. More details will be announced as the launch approaches.

Yes, Liqfinity’s marketing plan includes robust community reward initiatives designed to incentivize growth and engagement:

1. Referral Rewards: Users earn a percentage of hourly fees generated by their invitees, with higher rewards for higher-tier users. This lifetime referral system ensures ongoing benefits for community members who help expand the platform.
2. Leaderboard Rewards: Points are earned through activities such as borrowing, providing liquidity, and referring users. Seasonal leaderboards will reward top participants with prizes, fostering healthy competition and engagement.
3. Token Incentives: Community members who actively participate in governance, promotions, or other key activities may receive token rewards as part of future campaigns.

These initiatives are designed to build an active, loyal community while rewarding users for their contributions to Liqfinity’s growth.

Liqfinity is designed to help users minimize taxable events by allowing them to borrow against their crypto instead of selling it. Here’s how it works:

1. No Need to Sell Assets: Borrowing provides liquidity without triggering capital gains taxes, which typically occur when selling crypto for fiat.
2. Retain Ownership: Your crypto remains intact as collateral, preserving its growth potential while giving you access to funds.
3. Strategic Borrowing: Loans can act as a leveraged position, allowing you to benefit from market recoveries while maintaining liquidity.

⚠️ Note: Tax laws vary by jurisdiction, so we recommend consulting a tax professional to understand how borrowing on Liqfinity aligns with your local regulations.