Loan Request

End-to-end loan application — from the loan calculator through summary review to contract signing.

Flow Overview

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1. Loan Calculator

Route	/loan-request

The core of the loan request — a bidirectional calculator that works in two directions:

Direction	Input	Output
Collateral → Loan	Enter crypto volume	Calculates loan amount in THB
Loan → Collateral	Enter desired THB amount	Calculates required crypto volume

Parameters

Parameter	Options
Loan Duration	30 / 60 / 90 days (configurable)
LTV	Loan-to-Value percentage (e.g. 50%, 60%, 70%)
Asset Type	BTC, ETH, USDT, etc.
Network	ERC20, TRC20, BEP20, etc.

Real-time Features

• Live price feeds — refreshed every 5 minutes
• Price freshness validation (must be < 24 hours old)
• Debounced calculations (300ms) for smooth UX
• Health preview showing risk levels at current price

Fee Breakdown

Fee	Calculation
Processing Fee	loan_amount × fee_rate%
Interest	annual_rate × duration_rate × loan_amount
Third-Party Service Fee	Base fee + variable formula based on loan amount and collateral value
Receiving Amount	loan_amount − processing_fee − interest − third_party_fee
Total Repayment	loan_amount (principal only)

Promotional Discount

First-time borrowers may qualify for discounted fees:

• 0% processing fee and 0% interest
• Conditions: first loan, ≤ 100,000 THB, ≤ 30 days, within promotion period
• Displayed with strikethrough of original rates

Validation & Limits

• Minimum loan amount per duration (configurable)
• Maximum loan amount = user's max_loan limit − total active loans
• KYC tier ≥ 1 required to submit

Loan Start/End Date Logic

• Before 5 PM: Start date = today
• After 5 PM: Start date = next day at 10:00 AM
• End date: Start date + loan duration days

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2. Loan Summary

Route	/loan-summary

Review page displaying all locked conditions before contract signing:

• Collateral details (asset, network, volume, value in THB)
• Loan terms (amount, duration, start/end dates)
• Fee breakdown (processing fee, interest, third-party fee)
• Receiving amount and total repayment
• Risk level preview

Condition Lock

All prices, rates, and calculations are locked at the time of submission from the calculator. This prevents price changes during the application review process.

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3. Sign Contract

Route	/sign-contract/:id

1. View full loan contract document (PDF/HTML)
2. Digital signature via signature pad
3. Accept final terms checkbox
4. OTP verification for security
5. Submit → loan stage becomes deposit_pending

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4. Collateral Deposit

After signing, the user must deposit the agreed collateral amount:

1. A unique deposit address is generated (via custodian)
2. User sends crypto from their wallet to this address
3. Deposit confirmed via webhook
4. Stage transitions: deposit_pending → collateral_deposited → loan_active
5. THB loan amount is disbursed to user's bank account

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5. Re-sign / Re-apply

Route	/loan-request (with resign parameter)

If a loan needs to be re-applied (e.g., expired conditions):

• Loads all values from the original loan request
• Pre-fills the calculator form
• On submit → creates a new contract and cancels the old one

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Next: Loan Management →