Lending

The COT Lending module allows users to collateralize both real-world assets (RWAs) and digital assets (such as COT tokens or tokenized NFTs) in exchange for borrowing stablecoins like USDT or additional COT tokens.

This lending feature is built into the Payment Infrastructure platform and becomes accessible only after the user completes full KYC verification and the collateral undergoes a thorough audit and valuation by independent third parties. These steps ensure security, transparency, and legitimacy before any lending contract is executed.

Lending operations are governed by smart contracts that manage all loan issuance, interest calculation, and repayment terms automatically. This enables users to unlock liquidity without selling their assets, while preserving the integrity of the ecosystem.

By integrating lending into the payment platform, COT ensures seamless access to financing for users and businesses while reinforcing the token’s utility across its real-world financial ecosystem.