Ubiloan is a decentralized peer-to-pool loan protocol that specializes in providing instant loans and liquidity for game and Metaverse NFTs. Its unique lending model enables instant loans for borrowers once their NFTs are staked in the Ubiloan protocol. Liquidity providers, on the other hand, deposit specific crypto into the liquidity pool of Ubiloan to earn interest. The peer-to-pool model allows both borrowers and lenders to make use of Ubiloan in an automatic and decentralized way without the need to trust human beings.

Ubiloan is focused on bridging the metaverse and physical world and aims to let the first 100 million gamers or NFT holders financially benefit from their digital assets. As a decentralized lending platform, it solves the information asymmetric problems between lenders and borrowers, providing a stable income for liquidity providers and liquidity for borrowers. It also helps gamers or digital asset holders to unleash the potential liquidity of their NFTs.

https://twitter.com/ubiloan/status/1600088045411176448

Ubiloan helps users invest efficiently in Web3 games and NFTs by creating a dynamic and profitable liquidity pool for all parties. Users are empowered by seven different features: deposit, withdraw, borrow, repay, auction, redeem, and liquidate. If a user encounters bad debt, liquidation takes place to protect the financial safety of depositors. However, users still have 24 hours to redeem it.

Ubiloan supports non-custodial lending by initiating the new EIP-5604, which allows borrowers to keep their assets while borrowing from Ubiloan at the same time. This solution allows borrowers to maintain control over their assets while benefiting from the instant liquidity provided by Ubiloan.

Ubiloan's lending solution focuses on game and Metaverse NFTs, providing tailored services for its users. Gamers do not need to sell their NFTs to gain liquidity, and borrowers can receive liquidity for their NFTs instantly. Lenders do not have to choose the right borrower, but can provide liquidity and receive relatively stable APY effortlessly. The solution also has externalities effects, rendering more utilities to game assets, which increases the values of NFTs and the holders' willingness to keep holding game assets.

Ubiloan's focus on game and Metaverse NFTs is strategic. Although many projects develop tools to facilitate the liquidity of ERC-20 tokens or pfp NFTs, few efforts have been put into solving the liquidity problem of utility NFTs like game and Metaverse NFTs. Many projects use ERC-20 tokens as collateral, but the ERC-20 token itself never lacks liquidity. Therefore, these business models are more suitable for arbitrage and earnings but may not be able to go mainstream or achieve mass adoption.

Ubiloan believes that utility vested by a closed-loop system like game or Metaverse is the future of NFTs. The value of game and Metaverse NFTs is embedded in their utility, which creates value for society. NFTs are a breakthrough in human history that bears meaning beyond what we can imagine. The fundamental change of NFT is that we can verify the true and sole owner of the asset. Ubiloan is contributing to this fundamental change by unlocking liquidity for game and Metaverse NFTs.

In conclusion, Ubiloan is a unique lending platform that is focused on game and Metaverse NFTs. Its lending model enables instant loans for borrowers and provides liquidity for NFTs. It also helps users invest efficiently in Web3 games and NFTs by creating a dynamic and profitable liquidity pool for all parties. Ubiloan's focus on utility NFTs is strategic and believes that utility vested by a closed-loop system like game or Metaverse

You can use their app here!