Banks won't give it to you. Your wallet already earned it.
Solana Devnet · No real funds at risk
60 million Indonesians have no formal credit. Not because they are broke — because they are invisible to the system.
Crypto-active Indonesians hold stablecoins, transact onchain — but still cannot borrow against their own history.
Predatory lenders charge 0.4% per day. You borrow once, you are trapped. There is no path to better terms, ever.
No credit history, no collateral, no account — you do not exist to them. MINJAME reads your wallet instead.
No KYC. No paperwork. Your wallet history is your application.
Link your Solana wallet. That is your identity here.
3-layer wallet analysis runs automatically. No forms.
Refundable intent deposit. Honest borrowers get it back.
USDC lands in your wallet. 14-day term, repay in full.
Your score rises. Next loan has better terms.
Three layers of wallet behavior analysis replace all paperwork. Wallet age, tx spread, stablecoin activity — that is your application.
Your credit score lives in a public Solana account. It belongs to your wallet — not MINJAME. Any protocol can read it, forever.
Fees below $0.01 make micro-loans real. A $5 loan on Ethereum costs more in gas than the loan itself.
The intent deposit is not a fee — it is a signal. It makes zero-collateral lending defensible without punishing honest borrowers.
Repay on time, your tier rises, your limit grows. APR is always determined by how much you borrow — not who you are.
MINJAME could shut down tomorrow and your credit score still exists on Solana. You own your reputation.
Every loan repaid on time moves you up. Five tiers, each unlocks higher borrowing capacity.
| Tier | Name | Limit |
|---|---|---|
| 0Start here | Baru | $10 |
| 1 | Terpercaya | $25 |
| 2 | Andalan | $50 |
| 3 | Mitra | $100 |
| 4 | Utama | $250 |
The deposit is not a fee. It is a commitment device. It makes lending without collateral economically viable.
Default and you lose $2. Your wallet is flagged. Repay and it comes back in full.
Connect your Phantom wallet and get your first loan in under two minutes.
Solana Devnet · No real funds