01
Security
· 7 min
How to keep a crypto wallet safe
Practical, non-paranoid security for people who hold stablecoins: devices, recovery, phishing, address checks and the settings worth turning on.
Stablecoin wallet · Built on Solana
Money that stays money.
Hold, send and receive USDT and USDC in seconds for almost nothing. Lend them for a fixed annual rate. Borrow SOL against them in seconds, or a stablecoin loan against what you own. Buy across borders with the money held in escrow until the deal is done. One account, no surprises.
USDCUSDTFees from $0.0005Settles in ~0.4s
Total balanceSolana
$12,480.00
▲ $54.12 earned this month
- USD CoinLending 6,000.008,240.00
- Tether USDAvailable4,240.00
Settled0.41 s
−1,200.00
USDC
- To
- 7xKp…3fQ2
- Network fee
- $0.0005
- Luindy fee
- Free
USDC 1.000USDT 1.000Lend USDC 365d · 6.5% APYLend USDT 365d · 6.7% APYBorrow SOL · 6.0% APRAsset-backed USDC loansEscrow in USDT & USDCSettles in ~0.4sNetwork fee ~$0.0005Solana mainnetNo hidden fees
What you can do
Four things, done properly.
01
Hold and move dollars
A Solana address that accepts USDC and USDT. Send to anyone on Solana for the network fee alone, or to another Luindy account for free. Balances update the moment a transfer settles.
Explore the walletRecent
- From Ana R.+2,500.00
- To 9dF1…kL2p−340.00
- Interest paid+54.17
02
Lend at a fixed rate
Choose a term from 30 to 365 days and a rate that does not move for the whole term. Your stablecoins fund secured loans on Luindy, and borrowers' interest is your yield.
See lending termsUSDC · fixed
- 30d5.0%
- 90d5.5%
- 180d6.0%
- 365d6.5%
03
Borrow without selling
Post USDC or USDT and receive SOL in seconds at a fixed APR. Or apply for a USDC or USDT loan against gold, other assets you can document, or your project, reviewed by a person. Repay early any time.
How borrowing worksLoan-to-value
50% · healthyWarn 65%Settle 85%
- Borrowed
- 5.13 SOL
- Collateral
- 1,000 USDC
04
Buy across borders in escrow
For OTC crypto trades, gold and other high-value purchases. The buyer's USDT or USDC waits in the deal's own address on Solana, and Luindy releases it to the seller once the agreed conditions are met.
How escrow worksDeal · 150,000 USDT
Released- Funded by buyer15 Sep
- Delivered, assay attached22 Sep
- Released to seller23 Sep
Why stablecoins, why now
The dollar already went digital. The banks just haven’t noticed.
Stablecoins move more value each year than PayPal. They settle in under a second, cost a fraction of a cent, and work on Sunday. Luindy is the account that treats them like what they are: money.
- 01
$250B+
Dollar stablecoins in circulation
Across all networks, 2026
Stablecoins are the most used product in crypto by a wide margin. Most of it is people who just want dollars.
- 02
~0.4 s
Time for a transfer to confirm on Solana
Full finality in ~13 s
Faster than a card tap. Bank wires take days and only run on business days.
- 03
$0.0005
Typical network fee to send any amount
Luindy adds nothing on top
Sending $10 or $10 million costs the same fraction of a cent. That changes what money can be used for.
02Lend
A rate you can plan around.
Variable yield is a guess. Luindy locks the rate for the term you choose, pays monthly on longer terms, and returns your principal automatically at maturity. The yield comes from one place: interest paid by borrowers on Luindy.
| Term | USDC | USDT |
|---|---|---|
| 90 days | 5.5% | 5.7% |
| 365 days | 6.5% | 6.7% |
Fixed term · 365 days
10,000.00
USDC
Rate
6.5%
locked
Day 226 of 36562%
- Earned so far
- 402.19
- Next payment
- 54.17
- Matures
- 14 Mar
Illustrative position. Live rates are set daily in the app.
Borrowed
5.1282
SOL
Collateral
1,000.00
USDC
Loan-to-value · settled at 85%
- Warnings at
- 65% · 75%
- Settles at
- 85%
- Fixed APR
- 6.0%
Illustrative loan: 5.13 SOL borrowed against 1,000 USDC.
03Borrow
Liquidity without the goodbye.
Keep your dollars and still hold SOL: post USDC or USDT and the loan lands in seconds, with a fixed APR, a settlement line you can see and warnings long before you reach it. Need dollars instead? Apply for a stablecoin loan against assets you own or your project, and a person reviews it.
- Borrow SOL at
- 6.0%
- Max LTV
- 50%
- Early repayment
- Free
04Escrow
Neither side has to go first.
Buying coins over the counter, gold from a dealer abroad, or goods from a seller you have never met? Luindy verifies both parties, all three of you sign one agreement, and the buyer’s stablecoins wait in escrow, visible on-chain, until the conditions in it are met.
- Escrow fee
- 0.5–1.5%
- Minimum deal
- 1,000
- Usual release
- 1 day
Escrow · Deal 2417
ReleasedGold bars, 2 × 1 kg
150,000.00
USDT
Buyer
Daniel K.
Seller
Amira S.
- Agreed12 Sep
- Funded15 Sep
- Delivered22 Sep
- Released23 Sep
- Held at
- 7qEm…Rk4c
- Evidence
- Assay report, air waybill
- Escrow fee
- 1,750.00
Illustrative deal: 150,000 USDT for gold, released after delivery.
Managed for you
Luindy creates and runs a Solana wallet for every account. You sign in and transact; the blockchain work is ours.
Segregated funds
Customer assets live apart from operating funds and are reconciled on-chain.
Audited and attested
Independent audits before launch and after material changes. Proof of reserves after launch.
Time-locked withdrawals
Optional 24-hour delay and limits on large sends. Cancel anything that looks wrong.
From the Learn desk
Plain guides to digital dollars.
02
Borrowing
· 5 min
Loan-to-value and settlement: the two numbers every SOL borrower should know
LTV tells you how big your loan is compared to your collateral. The settlement line tells you when the loan is closed from that collateral. Understand both and you will never be surprised.
03
Borrowing
· 8 min
Borrowing on Luindy, explained: SOL loans and asset-backed loans
Two ways to borrow without selling what you own: instant SOL loans against USDC or USDT, and stablecoin loans against gold, other assets you can document, or your project. Rates, terms, repayment and what happens if things move against you.
What is Luindy?
Luindy is a stablecoin wallet built on Solana. You can hold, send and receive USDT and USDC, lend your stablecoins for a fixed annual rate, borrow SOL against them, or apply for a stablecoin loan against assets you own. When you buy something of high value across borders, Luindy can also act as the escrow agent between you and the seller. It is one account for all of it.
What does it cost to send stablecoins?
Sending to another Luindy user is free and instant. Sending to any other Solana address costs the Solana network fee only, typically a fraction of a cent. Luindy does not add a fee on top.
How does fixed-rate lending work?
You choose an amount and a term (30, 90, 180 or 365 days). The rate is locked for that term. Your stablecoins fund secured loans to borrowers on Luindy, and the interest they pay is what you earn. At maturity, your principal and interest return to your wallet automatically.
What can I borrow, and against what?
Two ways. Post USDC or USDT as collateral and borrow SOL instantly, up to 50% of the collateral at a fixed 6.0% APR. Or apply for a USDC or USDT loan against assets you can document, such as gold, or against your project or business; our team reviews the application, agrees terms with you, and pays the loan to your wallet.
What is Luindy escrow?
Luindy acts as the neutral escrow agent between a buyer and a seller. The buyer pays USDT or USDC into the deal's own escrow address on Solana, and we release it to the seller once the conditions in the signed agreement are met. It is built for international purchases: over-the-counter crypto trades, gold and other precious metals and stones, and other high-value goods.
Do I need to set up a wallet myself?
No. Luindy creates a Solana wallet for every account and runs it end to end. You sign in with a passkey or biometrics, and Luindy handles everything on the blockchain for you. There is nothing to store, back up or configure.
Get started
Open your stablecoin account.
It takes a few minutes. Free to hold, no minimum balance, and your wallet is ready as soon as you confirm a few details.