Earn up to 22% APY funding loans that cannot be liquidated.
Loan Investment lets you fund the UEX Safe Loans portfolio alongside our treasury and financial partners. Fixed terms from 3 to 12 months, interest from real borrower repayments, everything inside one regulated US platform.
*Illustrative. Rate is fixed at deposit and paid at maturity.
What this is, in three lines
3, 6, 9, or 12 months. You pick the runway.
The zero-liquidation loans traders take on UEX, at 25 to 75% APR on the borrower side.
Longer terms, higher rates. Paid per the term schedule.
Where the yield comes from
Safe Loans are UEX loans with no liquidations and no margin calls. Borrowers pay a premium for that guarantee: 25 to 75% APR depending on the loan type. Both the loan and the borrower's collateral stay inside UEX the entire time. Nothing leaves the platform.
That borrower interest is what funds your APY. You are not chasing token emissions or reflexive DeFi loops. You are on the lending side of a loan book where the borrowing side pays real rates.
How risk is handled
You never fund an individual loan. Every dollar goes into the full Safe Loans portfolio, together with liquidity from UEX treasury and our financial partners, who provide the core of the pool. Individual loan outcomes are absorbed at the portfolio level, backed by the company and its partners.
Pick your term. The rate is fixed at deposit.
Four fixed terms. Longer commitments carry higher rates. Every rate is quoted as an "up to" maximum and confirmed on your contract before funds are locked.
Two products. One balance sheet.
Pick the job you need done.
Savings is your flexible everyday layer. Loan Investment is a fixed-term commitment with higher rates and investment risk. Different tools for different jobs.
We will say this ourselves so you do not have to dig for it: this is an investment product. It is backed by UEX and its financial partners at the portfolio level, but unlike your general balance and Savings Rewards,
it is not covered by third party insurance. In extreme force majeure cases, invested funds can be partly or fully lost.
If you want zero investment risk, keep your funds in Savings.
If you want higher fixed-term yield from a real loan book and accept the risk, this product was built for you.
Your money, your term,
your number.
Set an amount, pick a term, see what the loan book pays you. Every figure is an indicative maximum.
*Illustrative. Rate is fixed at deposit and paid at maturity.
That is up to $458.33 per month.
The reference term. Interest and principal paid at maturity.
Projection is illustrative, based on indicative rates, and is not a guarantee of returns. Rates variable. Service availability varies by state. Terms apply.
The questions
people actually ask.
Two answers below are still with the product team. We would rather show the gap than guess.
Safe Loans are short-duration consumer loans underwritten and serviced by UEX. Borrowers pay those rates because the alternative in their bracket is worse — overdraft fees, payday storefronts, or nothing at all. The rate reflects duration and credit risk, not a markup for its own sake. That spread is what funds your return.
No. You are never matched to an individual borrower. Your capital sits against the full loan portfolio, so no single default sits on your position — it is absorbed across the book. There is nothing for you to pick, screen, or manage.
Your principal plus any remaining interest returns to your UEX wallet at maturity. From there you can withdraw it, hold it, or roll it into a new term at the rate current on that day. You choose — nothing auto-renews without your instruction.
Early-exit terms are being finalised. The open decisions: whether an exit window exists at all before maturity, what notice period applies, and whether accrued interest is forfeited or pro-rated. Assume capital is committed for the full term until this is confirmed.
The entry minimum is not set. The calculator on this page models from $1,000 upward, which is indicative only — the confirmed floor may sit higher, and may differ by term.
Savings Rewards is liquid: no term, withdraw whenever, lower rate. The Investment Account trades that liquidity for a fixed term and a materially higher rate funded by the loan book. Same platform, two different jobs — keep your working cash in Savings, put committed capital here.
No. There is no third-party insurance and no FDIC coverage on this product — it is an investment, not a deposit. Your position is backed by the loan portfolio itself and by UEX and its lending partners standing behind it. That means real risk: if the book performs badly, returns fall short, and in a severe scenario principal is exposed. The rate exists because of that risk, not in spite of it.
Launch date is not yet announced. Registered accounts are opened in order of registration, and rates are published to that list before they go public.
Rates go to this
list first.
Accounts open in order of registration. One email when rates are published, one when your term is available. Nothing else.
Fixed terms. Up to 22% APY.Funded by a real loan book.
Pick a term, fund it once, and let the loan book do the work. Registered accounts open in order of registration.
Projection is illustrative, based on indicative rates, and is not a guarantee of returns. Rates variable. Service availability varies by state. Terms apply.
APYs shown are indicative and subject to final terms, eligibility, and approval. Products are subject to applicable terms and conditions, and availability may vary by jurisdiction. Rates variable. Service availability varies by state. Terms apply. This page is not financial advice.
Loan Investment is an investment product. Investment products involve risk, including possible partial or full loss of invested funds, and are not bank deposits. Unlike general account balances and Savings Rewards, Loan Investment is not covered by third party insurance. Backing by UEX and its financial partners does not eliminate investment risk, including in force majeure events.