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Mesi provides a simplified lending framework designed specifically for creators. This program allows you to unlock liquidity for production costs, equipment, or marketing without selling your underlying $MESI holdings.

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Application Requirements

To maintain a sustainable lending pool, Mesi operates on a monthly budget cycle. Once the monthly allocation is exhausted, further applications are closed until the following month.
  • Priority: Applications are processed on a first-come, first-served basis.
  • Tier Constraints: Your maximum borrowing limit is tied directly to your Account Tier.
  • Collateral (LTV): You must provide a minimum of 300% collateral in $MESI tokens relative to the loan value.

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The Review Process

When you submit a request, Mesi’s risk engine evaluates several factors beyond just collateral to ensure ecosystem stability.

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Loan Terms

Creators can customize their terms within the following ranges:
  • Duration: 2 to 12 months.
  • Interest: Rates scale based on the duration (longer terms = higher interest).
  • Approval Boost: Providing collateral above the 300% minimum significantly increases the probability of instant approval.

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Evaluation Criteria

Activity & Trust

Verification of gallery engagement, content consistency, and account history.

Financial Performance

Assessment of past earnings and the viability of the proposed repayment plan.

Usage Intent

A clear description of how the loan will be used to grow the creator’s presence.

Collateral Depth

The total value and stability of the $MESI tokens offered as security.

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Application Outcomes

After review, your application will receive one of three statuses:
  1. Approval: The loan is issued immediately to your wallet.
  2. Conditional Approval: Pre-approved, provided you increase collateral or shorten the repayment period.
  3. Rejection: The application is denied due to budget exhaustion or risk factors.

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Repayment & Liquidation

Mesi offers flexible repayment tools to help creators maintain their standing and protect their collateral.

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Repayment Methods

  • Manual Repayment: Use the platform’s debt management tool to pay in installments.
  • Auto-Pay: Redirect a fixed percentage of your daily earnings and rewards directly toward the loan balance.

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Liquidation Risks

To protect the lending pool, $MESI collateral may be partially or fully liquidated if:
  • Health Factor: The collateral value drops below 200% of the loan amount.
  • Delinquency: The loan is not paid back within the agreed timeframe.
  • Tier Loss: You lose the required Account Tier during the loan term.
  • Compliance Violation: Account suspension, copyright infringement, or prolonged inactivity.
Note on Volatility: Because $MESI is a market-traded asset, its value can fluctuate. Always monitor your collateral ratio to avoid automatic liquidation during market downturns.
Micro Loan Interface

Micro-Loan Management Dashboard

Borrowing Strategy: Start with a small loan and a high collateral ratio (400%+) to build your “Trust Score.” This will make future, larger loan approvals significantly faster.