Official smart contract (bep20)
FIXED INTEREST
At 12% APR, you always know how much you're paying back in DAI, USDC, & USDT.
High ltv
You can maximize your loan up to 80% Loan-to-Value on BNB, ETH, & ADA.
Stress-free
No forced liquidations during bear markets or economic downturns.
shaping the future
benefits
instant credit
Users can secure loans by borrowing against their crypto.
dividend rewards
Users with active loans can get a 10% share of the revenue.
Cashback rewards
Users can get 15% back from their accrued interest.
lending rewards
Users can lend stablecoins for passive income.
Mission
At the core of our Web3 protocol lies the commitment to offer global, user-centric access to immediate credit, allowing individuals to secure loans without liquidating their crypto assets or divulging personal documents. P∆R4's philanthropic mission is centered on community enrichment, striving to contribute to the creation of a brighter future for everyone. Our Smart Contract guarantees security, transparency, and seamless transactions, adhering to predefined conditions for a hassle-free experience.
Vision
At PAR4, our vision is to lead the transformation of decentralized finance by providing a transparent and user-centric Web3 Protocol. We aspire to make financial empowerment accessible worldwide, setting new standards for seamless and rewarding borrowing experiences. Committed to innovation and inclusivity, PAR4 aims to contribute to the evolution of decentralized finance, fostering confidence and ease in navigating the global financial landscape.
Values
1.Innovation: We embrace continuous innovation, leveraging cutting-edge technology to pioneer advancements in decentralized finance and redefine the borrowing experience for our users.
2.Transparency: We prioritize transparency in all aspects of our operations, ensuring clear communication, openness about fees, and providing users with the information they need to make informed financial decisions.
3.User-Centricity: Users are at the heart of everything we do. We are dedicated to creating a platform that prioritizes user needs, offering a seamless and rewarding financial ecosystem that adapts to their preferences and aspirations.
4.Inclusivity: We believe in financial inclusivity, striving to break down barriers and provide accessible credit solutions globally. Our commitment is to empower individuals who may face challenges in traditional financial systems.
5.Integrity: We conduct our operations with the utmost integrity, adhering to ethical standards and ensuring the security and privacy of our users' financial information.
6.Global Impact: We aim for a positive global impact, contributing to the evolution of decentralized finance and fostering a more interconnected, accessible, and equitable financial landscape for individuals around the world.
7.Community Engagement: We actively engage with our community, valuing feedback, fostering collaboration, and building a network where users feel heard, supported, and involved in the growth of our platform.
8.Sustainability: We plan for long-term sustainability, not only in the development of our platform but also in our impact on the broader financial ecosystem, aiming for enduring positive contributions to the world of decentralized finance.
about PAR4
PAR4 was founded by Carl Phillip Tan on June 4, 2023. Originally developed as a self-sustaining lending application advocated in giving back to its members and community, where borrowers can earn dividends based on active loans and receive cashbacks on accrued interest. It is a private protocol that operates solely for the exclusive advantage of its members and community, devoid of capital stock represented by shares.
