💳 Crypto-Linked Lending
This patent defines a loan-linked cryptocurrency payment rate and enables parallel transfers of cash, cryptocurrency, and point-based cryptocurrency using one or more blockchain networks.
💳 Crypto-Linked Lending
Core Patent Architecture
• Define a crypto payout ratio linked to the loan amount
• Convert crypto amounts to fiat value via a financial server
• Automatically settle excess profits beyond principal and interest
• Reward point-based cryptocurrency proportional to transaction volume
Extended Patent Configurations
• PG/VAN payment processing with automated platform settlement
• Dynamic loan suitability calculation and crypto ratio adjustment
• Crypto payout limitation below interest amount
• Automatic suitable amount increase
• Automatic suitable amount decrease
🌐 System Overview
Crypto-linked lending provides cryptocurrency to customers (e.g., small business owners) by calculating a lending ratio linked to the loan amount. Customers can reward end users (e.g., buyers) using point-based cryptocurrencies, supporting various types of crypto assets.
In this structure, a loan server that manages customer accounts automatically settles principal and interest when purchase proceeds are deposited into the customer’s account, and credits the remaining profit to the customer.
This system supports various implementation models and optional extensions across cryptocurrency-enabled lending platforms.
