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The uLend app · iPhone and Android

uLend, in your pocket.

Move your crypto in, earn on it, borrow against it and spend it, from one app. Nothing moves until you sign in your own wallet.

Join the app waitlistSee how it works
  • LiveWeb app Lending is paused while new security controls go in.
  • In testingAndroid
  • In developmentiPhone

•••• 4021

Card holderALEX MORGAN
Valid thru09/29
9:41● ● ▰
uLend0x1234…ABCD
  3. 3
  4. 4
Step 3 of 4

Borrow

32%LTV
Collateral
2.00 ETH · $6,250
You borrow
2,000 USDT
Liquidation price
$1,250

Illustrative screens with sample figures

One journey

Four steps. The app shows you where you are.

The tabs in the app are the journey. Each step tells you what it will do, and what it will cost, before you sign.

9:41● ● ▰
uLend0x1234…ABCD
  3. 3
  4. 4
Step 3 of 4

Borrow

32%LTV
Collateral
2.00 ETH · $6,250
You borrow
2,000 USDT
Liquidation price
$1,250
  1. 01 · Move

    Bring your crypto across.

    Pick where your assets are and how much to move. The app shows every hop, the fee and the arrival time before you sign.

    9:41● ● ▰
    uLend0x1234…ABCD
    1. 1
    2. 2
    3. 3
    4. 4
    Step 1 of 4

    Move

    From2,500 USDTEthereum
    Ethereum uLend network
    Fee
    $1.20
    Arrives in
    about 4 min
  2. 02 · Earn

    Put it to work.

    Supply what you moved to a lending market and earn what borrowers pay. Rates come from live market data, or the app doesn’t show one.

    9:41● ● ▰
    uLend0x1234…ABCD
    2. 2
    3. 3
    4. 4
    Step 2 of 4

    Earn

    Supplied2,500 USDT+$9.84 earned
    Rate
    From live market
    Can back a loan
    Yes
  3. 03 · Borrow

    Get cash without selling.

    Borrow stablecoins against what you hold. Your loan-to-value and the price at which you’d be liquidated are on screen before you confirm.

    9:41● ● ▰
    uLend0x1234…ABCD
    3. 3
    4. 4
    Step 3 of 4

    Borrow

    32%LTV
    Collateral
    2.00 ETH · $6,250
    You borrow
    2,000 USDT
    Liquidation price
    $1,250
  4. 04 · Spend

    Use it in the real world.

    A uLend card that spends from your balance, in the app as soon as the card issuer approves the programme.

    9:41● ● ▰
    uLend0x1234…ABCD
    4. 4
    Step 4 of 4

    Spend

    •••• 4021

    Card holderALEX MORGAN
    Valid thru09/29
    Card
    •••• 4021
    Coffee
    −$4.80

Confirm in your wallet

Borrow 2,000 USDT

Network
uLend network
Estimated fee
Shown before signing
LTV after
32% · Healthy
You can reject this request in your wallet.

Your keys stay yours

Nothing moves until you sign.

uLend connects to the wallet you already use. The app prepares each transaction, and your wallet asks you to approve it. uLend never holds your keys.

  • You see it in plain words. What will happen, which network, the fee, and your loan health afterwards.
  • You can say no. Reject in your wallet and nothing happens. Cancelled or failed steps are shown as exactly that.
  • Private on screen. Balances are hidden from screenshots and the app switcher.

Loan health alerts

Know before it matters.

If the price of your collateral falls, your loan-to-value rises. The app tells you early, while there’s still time to add collateral or repay a little.

HealthyAlertLiquidation

Alert and liquidation levels shown are illustrative. Each market publishes its own.

9:41Friday 6 November
uLend · Loan health

Your LTV reached 62%. Add collateral or repay to stay safe.

uLend · Move complete

2,500 USDT arrived on uLend.

uLend · Earnings

Your supplied USDT earned interest today.

5412 3456 7890 4021

Card holderALEX MORGAN
Valid thru09/29

Spend

Your balance, on a card.

See the card, freeze it and follow every payment from the app. The card goes live when the issuer approves the programme.

Waiting on issuer

More on Spend

What’s in the app

Everything uLend does, one thumb away.

In development

Your whole portfolio

Earnings, loans and card activity in one view.

In development

Earn

Supply assets and follow earnings from live market data.

In development

Borrow

See your limit, loan-to-value and liquidation point before you sign.

In development

Move

Preview the route, fee and arrival time before you approve.

In development

Loan health alerts

Get an early warning while there is still time to act.

In development

Wallet signing

Approve every action in the wallet you already use.

Planned

Biometric unlock

Open the app with your face or fingerprint.

Planned

Card controls

See, freeze and follow card payments in the app.

Where the app is

Built in the open.

What’s done, what’s being tested, and what’s left before the stores.

  1. Web appLive at ulend.co. Lending is paused while new security controls go in.Live
  2. AndroidBuilt and signing transactions with your wallet. In internal testing.In testing
  3. iPhoneBuilt. Wallet signing is the last piece being connected.In development
  4. App Store and Google PlayAfter testing and final legal sign-off. Launch date will be announced.Planned

Be first on the app.

One email when uLend arrives on iPhone and Android. Nothing else.

One email when the app launches. No marketing list.