Your loan does not come from Fabrica, and it does not come from a person reviewing your file. It comes from a lending pool.
A lending pool is a shared fund that runs on its own rules. People and institutions deposit stablecoins (digital dollars that always equal $1) into the pool, and the pool lends that money out against properties like yours, automatically. The depositors earn the interest borrowers pay; that is why they fund the pool.
Because the pool is autonomous, there is no negotiation and nobody to persuade. The Amount, Duration, APR:, and Final Payment: you see on the Instant Liquidity card come from the pool’s own math: how much money it currently holds, its offered terms, and a conservative valuation of your property. Rates move with pool conditions, so the same property can see different offers on different days.
Fabrica’s role is the platform: we run the checks (title, fees, taxes) and display the pool’s terms clearly before you confirm. While the loan is open, the pool holds your property token as collateral, and you remain the beneficial owner of your property throughout. Fabrica is not the custodian, not the lender, and does not set your interest rate. Fabrica also has no control over whether a property can be used as collateral, or over the terms or amounts that can be borrowed against it. Those are determined by the lending pool.
If you get stuck, open the chat bubble in the corner and we’ll help.
Learn more:How the lending pool works · How pool lending launched