Borrow against your bag. No margin calls
Lock your memecoins or tokenized stocks, take USDG at a flat fee, and repay by a deadline. The price can crash all it wants. Only the calendar can touch your collateral.
Pledge your bag
Pick any approved memecoin or tokenized stock. It locks in a vault only you can open.
Get USDG
Dollars hit your wallet in seconds. You get 20–70% of your bag’s value for one flat fee, with no interest rate.
Repay by your deadline
Pay back what you took plus the fee, and the bag comes home. Need longer? Extend in one click.
Nothing can touch you but the deadline. A price crash never will
Go on, crash it
Every other lending desk watches the price and sells your collateral the moment it dips below your liquidation line. Bowline doesn’t watch the price at all. Try to liquidate yourself:
A perfectly healthy bag, for now
the only number that can touch you
One flat fee, everyone eats
A borrower pays a fee
1.5–5% of the loan, once, fixed when they sign. No interest, no surprises.
*Genesis Epoch: for the first 7 days lenders earn 55% and stakers 25%, to seed the pool. It settles to an even 40/40 after that, on a timer written into the contract.
What’s your bag worth today?
The fast book
Graduated tokens with locked liquidity. Short loans, quick turnarounds.
| Tier | You get | Time | Fee |
|---|---|---|---|
| Express | 30% | 2 days | 3.0% |
| Quick | 25% | 3 days | 2.0% |
| Standard | 20% | 7 days | 1.5% |
The durable book
Robinhood’s native issues: NVDA, AAPL, TSLA, SPY. Bigger loans, longer runway.
| Tier | You get | Time | Fee |
|---|---|---|---|
| Express | 50% | 7 days | 2.5% |
| Quick | 60% | 15 days | 3.5% |
| Standard | 70% | 30 days | 5.0% |
Even then, the rest comes back to you
5% of the collateral goes to whoever settles the loan, and anyone can.
Your principal goes back to the lenders’ pool. They’re made whole first.
5% of the debt, into the reserve that protects lenders.
Everything left returns to your wallet, in the same transaction.
Fund the loans, keep the fees
Supply USDG to the pool that funds every loan. Each fee a borrower pays lifts the value of your share. No lockups, no claiming, withdraw anytime. During the 7-day Genesis Epoch, lenders take 55% of every fee.