Landshare's Loan Protocol: Access Liquidity Without Selling Your Tokens

caleddare
January 17, 2025
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5
By
logos

Landshare Team

At Landshare, we aim to make real estate investment accessible to everyone. By tokenizing real estate assets, we allow users to invest in prime properties worldwide without the massive upfront cost. 

We’ve brought out our latest update: the Loan Protocol. Through this, token holders can access liquidity without selling their assets by using Landshare Tokens (LAND) or Real World Asset Tokens (LSRWA) as collateral. 

This creates a mutually beneficial scenario for both borrowers and lenders. Borrowers gain the cash flow they need, while lenders earn consistent returns through interest. How does this work? Let’s discuss 

The Promise of Loan Protocol 

If you’re holding LAND or LSRWA tokens, why let them sit idle when you can borrow USDC and put your assets to work? 

With the Landshare Loan Protocol, you don’t need to sell your valuable tokens to access liquidity. Instead, you can use them as collateral and get the funds you need while retaining ownership of your assets. Whether you want to cover personal expenses, make new investments, or take advantage of other opportunities by borrowing USDC through Landshare, you can maximize tokens' potential without parting with them.

As a lender, the protocol helps you earn 10% APY by contributing USDC. 

How does it work? 

The Landshare Loan Protocol has two distinct pools: one for LSRWA tokens and another for LAND tokens. Each of these pools has a set maturity date, the deadline by which loans must be repaid. If the loan isn’t repaid by this date, the collateral used by the borrower will be liquidated, meaning it will be sold to recover the loan amount. 

The completion percentage displayed for each pool shows how much time has passed in the loan term. For example, if the completion percentage is 50%, half the term is completed, and the same amount of time remains before the maturity date.

Once the loan term ends and the maturity date is reached, lenders will get their USDC back along with the interest earned during the loan period. This interest comes from the borrower’s repayment and is set at 10% APY. This means borrowers pay 10% in interest, and lenders earn 10% on their funds. As a lender, your USDC is secured by the collateral the borrower has provided—either LAND or LSRWA tokens. This makes the system secure for lenders since their funds are protected.

The protocol uses over-collateralization to reduce the risk for lenders. This means that borrowers must provide more collateral than the value of the loan they’re taking. 

For example, in the LSRWA pool, a borrower can only withdraw up to 50% of the value of their collateral. So if someone deposits $100 worth of LSRWA, they can only borrow 50 USDC. This extra collateral helps to protect lenders because the loan is backed by more than the borrowed amount, lowering the chances of a loss in case the borrower defaults.

If a loan is not repaid by the maturity date, the collateral (either LSRWA or LAND) will be sold to pay back the loan amount, including any interest. A 10% liquidation fee is also levied.  

After the liquidation, if there is any remaining balance from the sale of the collateral, the borrower can claim it. This process ensures that lenders are compensated even if a borrower fails to repay the loan.

How to borrow USDC using LSRWA and LAND

The process of borrowing USDC by pawning your LSRWA and LAND tokens is straightforward. Let’s walk through it: 

  1. As discussed, there are two pools for each of the tokens: LSRWA and LAND. Press the Borrow button of the pool against which you want to borrow USDC. 
  1. Next, a pop-up will appear on your screen. Enter the amount of USDC you wish to borrow. Once you do that, the collateral amount will be displayed immediately. 
  1. Now, simply press the Borrow button and approve the transaction in your wallet. You will be able to see the borrowed USDC in your wallet. 

How to lend USDC using LSRWA and LAND

You can lend your stablecoins through this protocol and earn 10% APY. The process is simple. Let’s look at it: 

  1. This time, press the Supply button. 

  1. Next, a pop-up will appear on the screen. Enter the amount you can supply and hit the " Supply" button.

Enhanced Capital Efficiency with $LSRWA

We’re rolling out a new borrowing strategy that unlocks triple the earning potential for our users. You’ll be able to borrow against staked LSRWA-USDT LP Tokens, allowing you to stack rewards from three sources at once:

  1.  LSRWA appreciation
  2.  LSRWA-USDT LP staking rewards
  3.  Gains from borrowed USDC

But wait, there’s more! 👀

If you buy $LSRWA via the DS Dashboard, you’ll earn NFT Credits. These credits can be used to mint NFTs and unlock even more rewards, taking your real estate investing to the next level with a touch of DeFi magic!

How the new borrowing strategy will work: 

1. Create LP Tokens: Pair USDT and LSRWA on DS Swap to generate LSRWA-USDT LP Tokens.

2. Wrap and Stake: Deposit LP Tokens into a wrapped contract to keep earning LAND yields.

3. Borrow USDC: Use your wrapped LP Tokens as collateral and unlock USDC via our Loan Protocol.

💡 Why is this exciting? This strategy supercharges your capital efficiency, letting you grow your portfolio without missing out on staking rewards or token gains.

Final Note

Borrowing through the Landshare Loan Protocol offers more than just quick access to cash—it’s an opportunity to make your tokenized assets work for you. You don’t have to choose between selling your tokens and staying liquid. 

With a fixed maturity date and competitive interest rates, this system allows you to borrow responsibly while keeping your tokens safe. 

Take advantage of the liquidity your assets can provide through the Landshare Loan Protocol.

caleddare
August 1, 2025
eye
August 1, 2025

GENIUS Act: What Does it Mean for Real Estate Tokenization?

GENIUS Act aims to clarify and streamline regulations around blockchain and digital assets in the U.S. For real estate tokenization.
By
logos

Landshare Team

The cryptocurrency industry registered a significant victory on July 18 as the US Government, under President Donald Trump, approved the GENIUS Act. This is the first law that is passed primarily to regulate the crypto industry.

Experts view this as a major win for the crypto market, as clear regulation signifies the government's acceptance of digital assets. In this article, we will learn about the provisions and the impact of the GENIUS Act, and analyze the industries that can benefit the most from this landmark decision.

What is the GENIUS Act?

The newly enacted GENIUS Act, which stands for Guiding and Establishing National Innovation for U.S. Stablecoins, marks a major milestone in U.S. crypto law. Passed by the US Congress, it establishes the first comprehensive federal framework for payment stablecoins.

It targets stablecoins like USDT and USDC, digital dollars used on blockchains, requiring 100% reserve backing with liquid U.S. assets (dollars, Treasury bills, etc.) and strict monthly audits and public disclosures. 

It sets compliance standards (anti-money-laundering programs, freezing/seizing ability on legal order), and bans misleading marketing. (no claims of being government-backed currency)

In short, the law prioritizes consumer/investor protection by requiring stablecoin issuers to follow the strict rules set by the lawmakers. As the White House notes, it “creates the first-ever Federal regulatory system for stablecoins, ensuring their stability and trust through strong reserve requirements”

By mandating transparency and audits, the GENIUS Act effectively eliminates much of the uncertainty that had kept banks and investors on the sidelines of the crypto market.

What the GENIUS Act Does:

Sets rules for stablecoin issuers:

  • Requires them to keep customer funds separate,
  • Have enough liquid assets (like cash or Treasuries),
  • And share monthly audit reports to prove it.

Adds safety measures against illegal activity:

  • Every issuer must follow anti–money laundering (AML) and anti–terrorism guidelines.

Limits who can issue stablecoins:

  • Only approved and regulated institutions are allowed to create them.

Gives power to key U.S. agencies:

  • Agencies like the Department of Treasury, the Federal Reserve, the FDIC, and the Office of the Comptroller of the Currency (OCC) can now regulate and oversee stablecoins.

Protects stablecoin holders in bankruptcy:

  • If an issuer collapses, customer funds are paid back first, before anything else.

So, in effect, the GENIUS Act makes stablecoins more secure and trustworthy, helping investors feel safer and giving crypto projects a stronger foundation to grow.

By defining “payment stablecoins” and assigning authority to agencies (Fed, OCC, etc.), the GENIUS Act brings clarity to how crypto dollars are treated. Under the new law, stablecoins are not securities or commodities, but a distinct asset class regulated just like bank products. 

U.S. regulators will oversee major issuers, and smaller ones can operate under trusted state-chartered frameworks. This uniform approach prevents a patchwork of rules and makes sure that there is consistent compliance nationwide. 

How Does the GENIUS Act Impact the Crypto Industry?

The GENIUS Act will have a major impact on the crypto industry as the Federal oversight brings a lot of trust for investors. It solves the problem of uncertainty in a market that is known for its instability. 

Incidents like the FTX collapse in 2022 and the unstable market in general create a mental barrier for many against the crypto industry. However, this new law is primarily dedicated to consumer protection and stablecoin legitimacy. 

Stablecoins are the key to linking tokenized real-world assets (RWAs) to traditional finance. To maintain their value, most stablecoins are linked to real-world assets, often collateralized by U.S. Treasury bonds and dollars.

For example, major coins (USDC, USDT, etc.) hold government securities to maintain their $1 peg. The GENIUS Act recognizes this, requiring exactly the kinds of high-quality backing that make stablecoins reliable. 

With stablecoins firmly regulated, we can expect them to become on-chain cash for many financial processes.

How Can Tokenized Real Estate Benefit from the GENIUS Act?

One of the biggest beneficiaries of stablecoin clarity is the real estate tokenization industry. On tokenized real estate platforms like Landshare, properties are fractioned into digital tokens, allowing anyone to invest for as little as a few dollars. 

The GENIUS Act’s framework tells real estate investors that the digital dollars they use (and possibly spend) on Landshare are backed and trustworthy. This reduces a key legal concern as U.S. regulators now wholeheartedly support these digital currencies, but under strict conditions.

Moreover, as stablecoins become accepted as collateral or payment on regulated platforms, the friction of buying and selling tokenized real estate further drops. 

In fact, research suggests a major upswing in tokenization is on the way. Analysts cite the GENIUS Act as a turning point for RWAs. This is because the act lowers barriers and creates a fertile ground for RWA tokenization to gain mainstream attention, validating the economic potential of tokenized assets. 

Moreover, real estate is an industry that has seen immense growth over the years and is one of the oldest asset classes in the world. This is due to its scarcity and the real-world value associated with it. Now that stablecoins are gaining more clarity in terms of regulation, real estate tokenization is one industry that may benefit most from it. 

Why Should You Invest in Landshare Right Now? 

As real estate tokenization is all set to grow massively, thanks to the GENIUS Act, platforms like Landshare stand to gain the most from it. This is due to their undervalued entry point and relatively low market capitalization, which provides them with the opportunity to experience 10x jumps.  

Also, a stronger crypto framework helps Landshare’s mission of democratizing property investment. It is a U.S.-based platform that lets users own fractions of real estate on the blockchain and earn rental income and capital gains through smart contracts. Investors can start with just $50.

Unlike traditional property investments, Landshare’s model combines digital tokens (backed by real property) with DeFi features like NFT staking for extra yield. In plain terms, Landshare converts each home into a digital asset and breaks it down into several tokens that anyone can trade or hold. 

The GENIUS Act’s clarity means more potential landlords, funds, and banks can join this ecosystem without fear. Moreover, property developers will have greater confidence listing projects on Landshare’s platform, and mainstream investors will know the crypto dollars they use are fully regulated.

Conclusion

A clear regulation in the crypto world was long overdue. The GENIUS Act came just at the right time for the world of digital finance. By officially sanctioning stablecoins and outlining how digital assets fit into U.S. law, the act makes way for tokenized real estate platforms to grow. 

For Landshare, it means greater trust, bigger players joining the game, and confidence that the U.S. government welcomes this innovation. 

caleddare
July 4, 2025
eye
July 4, 2025

How Did RWA Tokenisation Become a $23 Billion Power Sector in the First Half of 2025?

RWA tokenization industry has grown by a whopping 260%, rocketing from $8.6 billion in January to $23 billion in June. But what is behind this meteoric rise?
By
logos

Landshare Team

2025 has been a strange year thus far. We are just halfway through it and have already seen global conflicts, wars, controversies, and a lot of uncertainty. However, despite all of this, the RWA tokenization industry has managed to surprise everyone with its exceptional growth and adoption rate.

According to a Binance Research report, the RWA tokenization industry has grown by a whopping 260%, rocketing from $8.6 billion in January to $23 billion in June. But what is behind this meteoric rise? Hype? Social media trend? No, it's purely value creation and innovation that completely changes how investing works. 

The report also mentions that the regulatory frameworks in the US crypto market have become clearer and investor-friendly, which has been a key reason for this exceptional growth.  

So, let's understand the fundamentals of RWA tokenization projects and find out how you can invest in a Real World Asset token to maximize your gains in 2025 and beyond. 

What Are RWAs and Why Are They Important?

Real‑World Assets (RWAs) are tangible, income‑generating assets, just like real estate, commodities, or private credit that have been tokenized on a blockchain. Simply by converting a portion of an asset’s ownership rights into digital tokens, RWAs utilize the solidity of physical investments with the speed, transparency, and accessibility of crypto markets.

Think of a $2 million house in a posh area of New York. With a cost that massive in this economy, the buyer pool has become significantly smaller. Only high-net-worth individuals or wealthy families can show interest and have the buying capacity to own that house.   

Now, here’s where RWA tokenization comes into the picture. Instead of selling your house to an individual, you can tokenize real estate and break down the ownership rights fractionally. This will open doors even for a college student to invest in real estate by buying a token worth $50.

So, a low entry point makes sure your house sells faster and at its fair value. At the same time, from an investor’s point of view, there is no need to lock in massive capital and buy an entire property to enjoy real estate gains it’s a win for everyone.  

Key Features of RWA Tokens

1. Tangible Asset: Each RWA token is directly tied to a real‑world asset, whether it’s a square foot of office space or a small percentage of ownership in a corporate bond. This way, investors enjoy true ownership rights and capital gains.

2. Fractional Ownership: Instead of needing hundreds of thousands of dollars, investors can buy into multimillion‑dollar properties with as little as $50 per token.

3. 24/7 Liquidity: This is the biggest advantage of investing in real-world asset tokens. These tokens trade around the clock on blockchain marketplaces, turning traditionally illiquid assets into instantly tradable units.

Why RWAs Are Taking Off?

So, what is it about RWA tokenization that has led to a 260% growth just in six months, even in these highly uncertain market conditions? Well, there are more reasons than one: 

1. Massive Market Potential: The global value of real estate, commodities, and private credit is insanely huge, yet only a tiny portion of it is on‑chain currently. That means almost 99% of the opportunity remains untapped and ready to be tokenized.

2. Institutional Endorsement: The majority of prominent asset managers believe they plan to allocate to tokenized assets within two years, because of the promise of lower costs and faster settlements.

3. Regulatory Clarity: Governments and regulators in the U.S., EU, and Asia have issued guidance on security tokens. This shows the acceptance of asset tokenization globally and also lowers compliance risk for investors.

4. Low Entry Points: Minimum investments start at $50 - $100 per token. These amounts are negligible compared to the massive capital required to own traditional real estate properties or invest in private credit. 

5. Transparent Records: Blockchains provide an immutable audit trail. So, the title, rent distributions, and token balances are publicly verifiable.

6. Yield and Diversification: Real-world asset tokens often deliver returns that are much above many traditional fixed‑income instruments. For instance, Landshare, a popular real estate token platform, has consistently provided 8-12% annualized returns. 

Furthermore, investor portfolios benefit from diversification by adding real assets alongside stocks, bonds, and crypto. So, tokenization lets you invest in more using less capital. 

In essence, RWA tokenization is not just a technical novelty. It’s a system that shows how modern investing will work. It unlocks trillions in locked‑up value, democratizes access to high‑quality assets, and lets investors worldwide tokenize tangible assets like never before.

How You Can Invest in This RWA Revolution Using Landshare 

Among other RWAs, real estate has a special place just because of the stability it provides and the trust investors have in it. There are several real estate token platforms in the market, but Landshare stands out by making property investing truly fractional and accessible.

Why Landshare Tokens Can be a Great Investment?

A recent Deloitte Center for Financial Services report suggests that over $4 trillion of real estate will be tokenized by 2035. So, this is just the start. 

Early fractional real estate crypto tokens are perfectly set for outsized gains. As the market gets bigger, liquidity will increase, and tokens that are backed by quality assets, generate real yield, and comply with regulations, are more likely to outperform purely speculative altcoins.

Landshare fulfills all these conditions and will, therefore, enjoy growth, thanks to the global acceptance of RWA tokenization and the excitement around it. 

Conclusion

The 260% surge to $23 billion in the first half of 2025 has cemented RWA tokenization’s status as one of the biggest innovations in the world of digital finance. By effectively mingling blockchain’s tech and liquidity with real estate’s stability, this market is rewriting the rules of property investing. 

So, tokenize real estate now, join RWA tokenization projects, and buy the Landshare token to claim your share of this massively expanding market. As the industry grows, the first movers will enjoy the greatest rewards. So, start early and invest not just for gains but also for being a part of a technological and financial revolution. 

caleddare
June 27, 2025
eye
June 27, 2025

Landshare Development Update–June 23rd, 2025

Brief update of Landshare development
By
logos

Landshare Team

The past few months have been an exciting and productive time for the Landshare ecosystem. From launching on a new blockchain network to expanding marketplace access, advancing our onboarding campaign, and continuing development on new features — we’ve been busy laying the foundation for the next phase of growth.

In this update, we’ll cover all the latest developments, including the Plume mainnet launch, our integration with Polytrade, ongoing progress with LSRWA Express and Lending Pools V2, and more. Let’s dive into what we’ve been building behind the scenes and what’s coming next!

Plume Network Mainnet

Earlier this June, we launched the LSRWA token on the Plume Network Mainnet — a major milestone for the Landshare ecosystem and a big step forward in our mission to bring real estate on-chain. We’re proud to be one of over 200 projects building on Plume and helping shape the future of RWA tokenization.

After 4+ years exclusively on BNB Chain, we’ve officially expanded, and investing in Landshare’s real estate pool is now more accessible than ever for Plume’s 3M+ community.

To celebrate, we kicked off the “Arriving at Plume” Zealy Event, where users competed for a 1,000 pUSD rewards pool and became the first to invest in LSRWA via Plume. The campaign brought in hundreds of new verified users, and we’re thrilled to continue growing our community on the first full-stack RWA Chain!

Partnership with Polytrade

Integrating with Plume Network has opened the door to 200+ ecosystem partners — and the first major step is already live: Landshare’s real estate properties are now listed on Polytrade, one of the top RWA marketplaces with access to 5,000+ real-world assets across 10+ chains.

With Landshare on Polytrade, anyone can invest in income-generating U.S. real estate and earn passive returns from both rental income and property appreciation — all in just a few clicks.

🔗 Start exploring: https://lnk.polytrade.finance/landshare

And that’s just the beginning — with more powerful integrations on the way to bring even more utility to the Landshare community. Stay tuned!

Onboarding Campaign

We’ve previously hinted at a major, ongoing onboarding campaign, and now it’s time to share more! This initiative is designed to level up our referral program and hit some big-picture goals:

  • Educate: Help users explore the Landshare ecosystem step-by-step
  • Activate: Drive engagement with core features like staking, LPs, and NFTs
  • Boost on-chain activity: Incentivize real usage, not just clicks
  • Retain: Reward users who stick around and stay active over time

To support this, we’re building a dedicated Onboarding Portal where users can track their progress, discover new tasks, and explore the ecosystem at their own pace. We’ll also add helpful hints and walkthroughs across key pages to guide new users naturally and drive interaction with our features.

While we don’t have a public launch date just yet, most of the campaign logic, the portal framework, and technical setup are already complete. We can’t wait to roll it out and bring more people into the Landshare journey!

LSRWA Express

LSRWA Express is a simplified, fully passive investment feature currently in development on the Landshare platform. It allows users to deposit USDC and earn real-world, asset-backed yield without the need to directly interact with LSRWA tokens, navigate secondary markets, or engage in DeFi mechanisms such as staking or liquidity farming.

We’ve previously published a detailed explanation of this feature, including how the epoch-based system works and the broader vision behind LSRWA Express. If you haven’t yet, you can explore the full documentation here: https://docs.landshare.io/platform-features/lsrwa-express

While there are no major updates to announce at this time, we want to assure the community that development is actively ongoing. Our technical team is focused on finalizing the backend infrastructure and preparing for internal testing. We’ll keep the community posted as we move closer to launch.

LSRWA Liquidity Updates

A core priority for the Landshare ecosystem is ensuring that LSRWA tokens can be traded at or near their true Net Asset Value (NAV). One of the most direct and effective ways to support this is by improving price stability on the DS Swap secondary market.

To address this, we’re introducing a strategic buyback mechanism: When DS Swap prices dip significantly below NAV, a portion of the rental income will be allocated toward buying back LSRWA tokens and removing them from circulation. This approach helps in two ways — it supports the market price while also acting as an anti-dilution mechanism, effectively increasing value for existing holders.

This system is designed to benefit the entire community, enhancing both liquidity and price integrity. We’ll continue to closely monitor LSRWA trading conditions and explore further improvements to ensure a healthy, accessible, and sustainable market for all participants.

Lending Pools V2 Coming Soon

We’ve seen a lot of anticipation around the launch of our updated lending pools, and we’re just as excited as you are. We know the wait has been long, building something secure, efficient, and impactful takes time. The new Pools V2, offering interest rates of up to 8%, will go live as soon as the Defactor team completes the migration to their updated protocol.

In the meantime, if you’re curious about what’s ahead, check out our latest article that dives deep into the power of combining tokenized real estate with cross-chain lending. Learn how this integration unlocks new capital, improves user flexibility, and enables yield opportunities across ecosystems:

💡 Real estate–backed liquidity
🔁 Borrow on one chain, collateral on another
🔗 Seamless multichain access to RWAs

Read more: Expanding Investment Horizons in the Multichain Era

EthCC Event in France

Connecting in person is a big part of building real relationships and growing any project — that’s why our CMO, Ivan Voznoi, is heading to EthCC in Cannes next week!

It’s shaping up to be a busy and exciting week, with Ivan planning to attend top-tier side events like the RWA Summit by Centrifuge, RWA Cannes by NFT Paris, Builders Night by MetaMask, and plenty more.

Wishing him a productive week full of new connections and opportunities. Time to bring tokenization to the Côte d’Azur! 🇫🇷💼🏝️

User Onboarding & Education

As Landshare continues to grow, one of our top priorities is ensuring that new users can navigate the ecosystem with clarity and confidence. While the Landshare platform offers a robust suite of features — from tokenized real estate and staking to liquidity pools and lending — we understand that the value we provide must be accessible and understandable from the very first interaction.

That’s why we’re focused on streamlining the onboarding experience across multiple fronts — including the upcoming LSRWA Express feature, a dedicated onboarding campaign, educational blog content, clearer communication strategies, and participation in Twitter Spaces to connect with the wider community.

We firmly believe that a smooth, intuitive onboarding experience is essential for long-term growth. Without it, even the most innovative products can remain underutilized or misunderstood. By lowering the entry barrier and offering ongoing education, we empower users to fully engage with the Landshare ecosystem — not just once, but for the long term.

Wrap Up

As we look ahead to the second half of 2025, our focus remains on delivering real value to our users and continuing to push the boundaries of what’s possible in RWA tokenization. Whether it’s simplifying onboarding, expanding to new ecosystems, or enhancing our DeFi tools — every update brings us closer to our long-term vision of making real estate investment accessible, transparent, and rewarding for everyone.

Thanks as always to our community for your continued support and feedback — we’re building this together. Stay tuned for more updates soon, and make sure to follow us on X (Twitter) and Telegram to be the first to know about what’s next!

Landshare's Loan Protocol: Access Liquidity Without Selling Your Tokens

At Landshare, we aim to make real estate investment accessible to everyone. By tokenizing real estate assets, we allow users to invest in prime properties worldwide without the massive upfront cost. 

We’ve brought out our latest update: the Loan Protocol. Through this, token holders can access liquidity without selling their assets by using Landshare Tokens (LAND) or Real World Asset Tokens (LSRWA) as collateral. 

This creates a mutually beneficial scenario for both borrowers and lenders. Borrowers gain the cash flow they need, while lenders earn consistent returns through interest. How does this work? Let’s discuss 

The Promise of Loan Protocol 

If you’re holding LAND or LSRWA tokens, why let them sit idle when you can borrow USDC and put your assets to work? 

With the Landshare Loan Protocol, you don’t need to sell your valuable tokens to access liquidity. Instead, you can use them as collateral and get the funds you need while retaining ownership of your assets. Whether you want to cover personal expenses, make new investments, or take advantage of other opportunities by borrowing USDC through Landshare, you can maximize tokens' potential without parting with them.

As a lender, the protocol helps you earn 10% APY by contributing USDC. 

How does it work? 

The Landshare Loan Protocol has two distinct pools: one for LSRWA tokens and another for LAND tokens. Each of these pools has a set maturity date, the deadline by which loans must be repaid. If the loan isn’t repaid by this date, the collateral used by the borrower will be liquidated, meaning it will be sold to recover the loan amount. 

The completion percentage displayed for each pool shows how much time has passed in the loan term. For example, if the completion percentage is 50%, half the term is completed, and the same amount of time remains before the maturity date.

Once the loan term ends and the maturity date is reached, lenders will get their USDC back along with the interest earned during the loan period. This interest comes from the borrower’s repayment and is set at 10% APY. This means borrowers pay 10% in interest, and lenders earn 10% on their funds. As a lender, your USDC is secured by the collateral the borrower has provided—either LAND or LSRWA tokens. This makes the system secure for lenders since their funds are protected.

The protocol uses over-collateralization to reduce the risk for lenders. This means that borrowers must provide more collateral than the value of the loan they’re taking. 

For example, in the LSRWA pool, a borrower can only withdraw up to 50% of the value of their collateral. So if someone deposits $100 worth of LSRWA, they can only borrow 50 USDC. This extra collateral helps to protect lenders because the loan is backed by more than the borrowed amount, lowering the chances of a loss in case the borrower defaults.

If a loan is not repaid by the maturity date, the collateral (either LSRWA or LAND) will be sold to pay back the loan amount, including any interest. A 10% liquidation fee is also levied.  

After the liquidation, if there is any remaining balance from the sale of the collateral, the borrower can claim it. This process ensures that lenders are compensated even if a borrower fails to repay the loan.

How to borrow USDC using LSRWA and LAND

The process of borrowing USDC by pawning your LSRWA and LAND tokens is straightforward. Let’s walk through it: 

  1. As discussed, there are two pools for each of the tokens: LSRWA and LAND. Press the Borrow button of the pool against which you want to borrow USDC. 
  1. Next, a pop-up will appear on your screen. Enter the amount of USDC you wish to borrow. Once you do that, the collateral amount will be displayed immediately. 
  1. Now, simply press the Borrow button and approve the transaction in your wallet. You will be able to see the borrowed USDC in your wallet. 

How to lend USDC using LSRWA and LAND

You can lend your stablecoins through this protocol and earn 10% APY. The process is simple. Let’s look at it: 

  1. This time, press the Supply button. 

  1. Next, a pop-up will appear on the screen. Enter the amount you can supply and hit the " Supply" button.

Enhanced Capital Efficiency with $LSRWA

We’re rolling out a new borrowing strategy that unlocks triple the earning potential for our users. You’ll be able to borrow against staked LSRWA-USDT LP Tokens, allowing you to stack rewards from three sources at once:

  1.  LSRWA appreciation
  2.  LSRWA-USDT LP staking rewards
  3.  Gains from borrowed USDC

But wait, there’s more! 👀

If you buy $LSRWA via the DS Dashboard, you’ll earn NFT Credits. These credits can be used to mint NFTs and unlock even more rewards, taking your real estate investing to the next level with a touch of DeFi magic!

How the new borrowing strategy will work: 

1. Create LP Tokens: Pair USDT and LSRWA on DS Swap to generate LSRWA-USDT LP Tokens.

2. Wrap and Stake: Deposit LP Tokens into a wrapped contract to keep earning LAND yields.

3. Borrow USDC: Use your wrapped LP Tokens as collateral and unlock USDC via our Loan Protocol.

💡 Why is this exciting? This strategy supercharges your capital efficiency, letting you grow your portfolio without missing out on staking rewards or token gains.

Final Note

Borrowing through the Landshare Loan Protocol offers more than just quick access to cash—it’s an opportunity to make your tokenized assets work for you. You don’t have to choose between selling your tokens and staying liquid. 

With a fixed maturity date and competitive interest rates, this system allows you to borrow responsibly while keeping your tokens safe. 

Take advantage of the liquidity your assets can provide through the Landshare Loan Protocol.

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