avocado.fund›borrow

Borrow USDC

Supply USDC to the Avocado Vault and earn competitive yield backed by on-chain lending. Withdraw anytime — no lockups

Quick Info

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Max credit$1000
Interest rate12% APR
CollateralNone
VerificationWorld ID

Borrower Verification

Verify your identity with World ID to access uncollateralised loans

Avocado Fund requires identity verification to access credit.

Your personal information remains
private through ‘zero-knowledge proofs’.

How borrowing works

Step 1
Verify with World ID

Prove you are a unique human with biometric verification. One person, one credit line. Sybil-resistant.

Step 2
Get your AVO Score

Your on-chain credit score (0–100). Starts low, grows with every on-time repayment.

Step 3
Borrow USDC

Request a loan up to your credit limit. Funds arrive in your wallet instantly, no collateral required.

Step 4
Build reputation

Repay on time to increase your AVO Score, unlock higher tiers, and access larger credit limits over time.

Credit tiers

TierRequirementAvl. Credit
Tier 0World ID Only$25
Tier 1Bureau ≥ 580$100
Tier 21 loan repaid$250
Tier 33 loans, clean$500
Tier 46 mo history$1,000