Deposit collateral
Borrowers supply eligible assets into a monitored vault and receive a credit limit.
Protected crypto credit layer
Borrow against digital assets while your collateral keeps working.
Firelight Loan extends Firelight's digital asset protection layer into crypto-backed credit, pairing transparent loan terms with risk-aware collateral and yield mechanics.
Risk-scored quotes
Yield offset preview
Wallet-ready flow
- Up to
- 55% LTV
- From
- 7.8% APR
- Review
- Instant
Available Credit
$28,500
Based on protected collateral
Collateral health
Automated LTV monitor active
Check eligibility
Confirm loan readiness before selecting an amount.
Wallet connection, collateral value, location, and risk preference determine whether a borrower can proceed to a Firelight Loan eligibility claim.
- Wallet status and disclosure confirmation
- Collateral threshold and asset support
- Maximum borrow limit by risk profile
Loan amount
Choose the amount and see the impact instantly.
Protected quote
Protocol estimate
Estimated monthly payment
$3,204
LTV
37%
Estimated APR
8.4%
Yield offset
$76/mo
Health
Strong
Protocol fee
$111
Coverage reserve
$74
Net liquidity
$18,315
Borrow limit
$27,500
Yield mechanics
Collateral can back credit while staying productive.
The protocol is structured for transparent borrower control, visible credit health, and protection-aware collateral accounting.
Borrow liquidity
Loan terms update based on LTV, asset type, collateral value, and term length.
Earn offset yield
Protected collateral strategies can offset a portion of monthly borrowing cost.
Security model
Built around transparency, eligibility, and risk controls.
Firelight Loan frames borrowing around visible thresholds, clear borrower confirmations, and protection-aware risk communication.
On-chain accounting
Loan values, LTV movement, and liquidation thresholds are designed to remain visible to the borrower.
Coverage-aware design
Loan flows inherit Firelight-style protection language for technical and economic risk.
Clear disclosures
The interface separates education, eligibility, protocol terms, and borrower confirmations.
FAQ
Firelight Loan questions.
How is eligibility calculated?
Eligibility uses collateral value, asset type, borrower-selected risk profile, term length, and loan-to-value thresholds. The calculator applies amortized repayment math, protocol fees, coverage reserve, and yield offset estimates.
Why do I need to connect a wallet?
A wallet connection is required to complete the eligibility claim, associate the quote with a borrower address, and prepare the collateral flow.
What collateral can be used?
Firelight Loan supports XRP/FXRP, BTC, ETH, and stablecoin collateral settings. Supported markets can be adjusted by protocol governance and risk parameters.
How does yield offset work?
Yield offset represents estimated monthly rewards generated from protected collateral strategies and is displayed separately from the required repayment amount.
What happens if LTV moves too high?
The calculator marks the position as Strong, Watch, or Tight based on LTV. On-chain thresholds, notifications, and collateral actions protect the borrower's credit health.
Is the monthly payment fixed?
The displayed payment is calculated from the selected principal, term, and APR tier. Final terms are confirmed only after wallet connection and eligibility claim.
Start eligibility