Leave a card on the counter. Walk out with USDC.
Trainer Bank lends against graded Pokémon cards held by Collector Crypt. You agree the amount and the date up front. Come back on time with the payback and the card is yours again. No price checks, no liquidation before the deadline.
- card
- 500.00
- you get
- 198.00
- bring back
- 204.00
- within
- 7 days
Three steps. That is the whole loan.
- 1List your card
Choose an amount, the payback and 7 or 21 days. The card moves into an escrow account the protocol controls.
- 2Get USDC
The vault, or another lender, funds the listing in one transaction. USDC lands in your wallet right away.
- 3Repay by the deadline
Pay the fixed amount any time before the date. Nobody checks prices in between.
- Repaid: the card comes home
Anyone can repay for you; the card always returns to your wallet.
Missed: the card is soldIt goes on sale on Collector Crypt and you cannot get it back.
What would your card get?
Use the insured value Collector Crypt shows on the card page. Vintage PSA cards borrow the most, modern and non-PSA cards the least. The value is locked when the loan is funded, so later price moves do not change your deal.
The payback is fixed. Repaying early costs the same as repaying on the last day.
Minimum fixed cost shown; the vault may ask for more. Pokémon cards only at launch.
Borrow USDCNot picked up on time?
The card goes on sale on Collector Crypt at 95% of its value. Every few hours a lower sticker goes on top, down to 58% after one day. Anyone can buy it at the price on the top sticker, and the money goes to the vault that lent it.
You cannot buy it back at a discount and you cannot get it back after the deadline.
From 12 h the price drops 2.25 points an hour. A day after 58%, the floor moves once to 110% of the payback.
The vault holds — in USDC. It has funded — loans, — cards sit in escrow right now, and borrowers pay — on average.
That cash comes from depositors. They earn the fixed costs borrowers pay; — of the vault is lent out today, and the protocol keeps 10% of realised yield. If a card sells for less than its loan, the vault takes the loss. Numbers are read from Solana every minute.
Why it is built this way
Trainer badges for borrowers who repay on time: bronze, silver, gold and holo. They arrive after launch.
- 01No price oracle
The contract never reads a price, so nothing can trigger a sale before your deadline.
- 02No liquidation before the deadline
Your cost is fixed when you borrow. Market swings do not touch your loan.
- 03Rules in code
Vault limits, curator limits and the sale schedule are enforced on-chain. The contracts will be made immutable after the audit.
- 04Every loan is public
Each listing, the curator's decision and its reasons are on the Transparency page.
Questions at the counter
Nothing happens before the deadline: there is no price oracle and no liquidation. After the deadline the card is listed on Collector Crypt on a falling-price schedule and the proceeds go to the vault; if another lender funded your loan, the card goes to that lender instead. You cannot get the card back after the deadline.
- 01Collector Crypt holds the cards
Cards are in the custody of a third party. Collector Crypt can freeze, move and burn the cards it issues.
- 02A sale can fall short
If a borrower walks away, the card may sell for less than the loan. The vault takes that loss.
- 03Contracts can have bugs
The contracts are not audited yet.
- 04Insured values are not market prices
They are set by Collector Crypt and change over time.