LEND. BORROW. GROW.
Peer-to-peer lending with crypto collateral.
No banks. No nonsense.
Crypto Security
Audited Vaults
135% LTV Ratio
Assets
Liquidity
NGN & USDC
Secured by leading networks
Why YouFi?
Spend your Naira. Save your Dollars.
Borrowers
No need to sell your crypto
Get cash while keeping your assets invested
Zero Credit Checks, 100% Privacy, Instant Loan
Your assets are your credit score. If you have the collateral, you have the loan immediately.
Market-Competitive "Interest-rate Bidding"
Don't settle for one-size-fits-all rates. Set your rates and terms.
Institutional-Grade Security
YouFi never "touches" your crypto; it is programmatically locked and released the moment you repay your loan.
Provide Liquidity
Stop being a customer. Start being the bank.
Lenders
Earn Daily Interest on your Capital
Put your money to work 24/7. Earn highly competitive daily returns on your capital.
Secured & Asset-Backed Loans
Zero unsecured risk. Every Naira you lend is backed by stablecoins collateral, held in secure vaults.
Your Money, Your Terms
Set your own rules. You determine your preferred interest rates and loan tenors. The YouFi marketplace connects you directly to demand.
Real-Time Transparency and Instant Exit
Monitor "Loan Health" 24/7 on your dashboard. Withdraw your principal and interest as loans are repaid.
How it Works
Get money or grow money. It's that simple.
Borrowers
Sign Up & Verify
Register with your BVN/NIN and a selfie for fast, secure KYC.
Request a Loan
Enter how much you need and for how long. Choose your interest rate. Provide crypto collateral.
Secure Collateral
You and your guarantors lock crypto (BTC, ETH, etc.) into a vault. The system ensures your collateral remains safe with real-time price monitoring.
Receive Your Funds
Your loan is funded in USDC for crypto-collateral and Naira for USD-collateral, with direct conversion into your virtual bank account.
Repay & Unlock Collateral
Repay on time, and your collateral is released automatically. If you're short on cash, you can request a loan extension before the due date.
Lenders
Sign Up & Verify
Register with your BVN/NIN and a selfie for fast, secure KYC.
Create or Browse Loan Book
Explore active loan requests filtered by interest rates, tenor, and collateral coverage. Or create your own loan book.
Fund Loans
Select loans matching your risk profile and terms.
Earn Yields
Receive interest payments directly in USDC or Naira and withdraw at the end of the loan tenor.
Track Everything
View your earnings, active loans, and real-time risk metrics on your dashboard.
Why Trust YouFi?
Built with security, transparency and user experience at its core
Smart-Contract Security
Your funds are secured, and collaterals are held in audited smart contracts for maximum safety.
Fast Disbursements
Get funded in minutes not days.
Borderless Finance
Borrow, lend, support friends and family or earn globally, all from one app.
Transparent Yields
No hidden fees. No surprises.
Quote AI Agent
Get matched faster with fair rate suggestions.
FX Market Place
Trade dollars ↔️ naira, peer-to-peer, with zero fees.
Security Status
System Integrity Check
Last Audit: Today, 09:41 AM
Join the Revolution
Finance should work for you.
Borrow smarter. Lend confidently.