teller.org valid
Teller
Teller (teller.org) is a loan marketplace and non-custodial lending protocol.
For agents: Loan marketplace and non-custodial DeFi lending protocol; borrow against crypto tokens such as DEBIT, PONS and MSTR on BNB Chain and Robinhood Chain.
defi lendingcrypto collateralnon-custodial loansbnb chainfixed-term loans
Their llms.txt
The beginning of the file, from our validated copy saved 2026-10-21T22:30:05.629Z. Cached copy · Source on teller.org
# Teller
> Teller (teller.org) is a loan marketplace and non-custodial lending protocol.
> Its core consumer product is a free pre-qualification for no-collateral
> personal loans in the US: a soft check with no hard credit pull that tells a
> borrower whether they pre-qualify before any application. Teller is not the
> lender — partner lenders make final decisions and disburse cash directly to
> the borrower's own bank account.
## Products
- **No-collateral personal loans (marketplace)**: one soft-pull pre-qualification
checked against a network of lenders across credit tiers. Available in the US
(state by state) plus the Netherlands, Singapore, the Philippines, Denmark,
and Australia. Loan types: personal, debt consolidation, business, HELOC,
mortgage, auto. Start: https://pro.teller.org/?prequal=open
- **Asset-backed loans (protocol)**: fixed-term crypto-backed loans with no
margin calls and no mid-term liquidation — a price dip cannot force a
liquidation during the term. Borrow against BTC, ETH, and other assets
without selling.
- **Teller Score**: an on-chain credit score (0–1000) built from wallet
history across chains, used alongside income and identity signals to
qualify borrowers. Details: https://pro.teller.org/blog/on-chain-credit-score
- **Teller Credit**: the same qualification flow as embeddable middleware for
wallets, exchanges, and web3 apps. Details: https://pro.teller.org/credit
## Key facts
- Pre-qualification is a soft check: no hard credit pull, no collateral, free,
about four minutes. Pre-qualification is not approval.
- A hard inquiry only happens if the borrower later submits a full
application to a lender.
- Teller never charges upfront fees to qualify, never asks for seed phrases,
and does not persist SSN or bank details from applications.
- True "no-collateral, no-credit-check" crypto loans do not exist for retail
borrowers; offers marketed that way are scams. The legitimate path is a
regulated personal loan qualified via credit, income, and on-chain signals.
## Collateral accepted (live)
Teller pools accept 140 collateral assets across 10
networks, including wrapped bitcoin and ether, tokenized equities, tokenized
gold, wrapped XRP and Base memecoins. Loans are fixed-term: there is no
liquidation threshold during the term, and the obligation is the due date.
Full list: https://pro.teller.org/collateral
Widest terms, read 21 October 2026, 11:57 UTC:
| Collateral | Network | Max LTV | Best APR |
|---|---|---|---|
| APE | Arbitrum | 28.6% | 5.2% |
| WETH | Ethereum | 83.3% | 1% |
| PAXG | Ethereum | 50% | 20% |
| WAPE | ApeChain | 33.3% | 15% |
| TIBBIR | Base | 20% | 52.7% |
| DMT | Ethereum | 25% | 45% |
| KTA | Base | 25% | 25% |
| WQUIL | Ethereum | 25% | 45% |
| AAVE | Ethereum | 33.3% | 15% |
| ONDO | Ethereum | 28.6% | 25% |
…
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