Welcome to MLKY

MLKY lets you borrow USDC against a graded trading card you own, so you can get cash without selling it. On the other side, lenders put USDC into a pool that funds those loans, and they earn the interest borrowers pay.

All you need is a Solana wallet. The cards on MLKY are tokenized graded slabs: the physical card sits in the vault of the company that tokenized it, and the token in your wallet represents it.

Where to start

If you want to borrow, start with Getting a loan and then read Costs and deadlines.

If you want to lend, read How lending works and Risks for lenders.

If you want to pick up a card at auction, see Buying at auction.

Not sure your card qualifies? Supported cards explains what we accept, and Check my card in the app will tell you for a specific cert number.

A few things worth knowing up front

Your card stays in your wallet the whole time you borrow. It's locked while the loan is open and unlocks when you repay.

You see every cost before you sign: what you'll receive, what you'll owe, and the date you owe it by.

A drop in your card's price won't trigger a sale. Only a missed deadline does.

If you do miss it, you lose the card. A loan from the MLKY Pool goes to auction after a short grace period, and whatever is left after the sale costs and your debt comes back to you. With a private request, the lender takes the card and nothing comes back.

Nothing here is guaranteed. Borrowing and lending on MLKY both carry real risks, so read Risks and start with an amount you can afford to lose.