TRUST is a crypto lending platform offering two types of loans: collateralized and uncollateralized. The former uses crypto assets such as BTC, ETH, and SOL as collateral, while the latter generates a Crypto Score based on a user walletβs on-chain transaction history, balances, and DeFi activity. The site emphasizes that it is βnot a bank,β positioning itself more as a combination of Web3 lending and wallet-based financial services.
The platform states a maximum loan amount of $1,250,000, loan terms of up to 24 months, and an LTV of up to 95% for collateralized loans. The example payout currency is USDT TRC20, and the site mentions support for wallet addresses on networks such as EVM, TRC20, and Solana. On security, TRUST claims that collateral is stored in cold wallets with 3-of-5 multisig, is not rehypothecated or lent to third-party protocols, and is backed by real-time proof of reserves, collateral insurance, and liquidation protection.
The page shows collateralized loans with APR from 3.9% and uncollateralized loans from 7.9%, while a top-page headline also mentions annual rates from 5.9%. In the calculator example, a 10,000 USDT loan over 6 months corresponds to an annual interest rate of 7.4% and total interest of 216.94 USDT. Overall, the basic rates and limits are presented fairly clearly, but we did not find full terms covering service fees, liquidation fees, early repayment fees, overdue handling, or similar charges. The actual cost should therefore be confirmed in the contract at the time of application.
TRUSTβs risk controls mainly rely on collateral, LTV, on-chain scoring, and multisig custody. Its uncollateralized loan model is relatively innovative, but the algorithm, thresholds, and rejection rules behind the Crypto Score are not explained in detail. Compliance information is clearly insufficient: the site does not disclose its place of registration, financial licenses, or KYC/AML process, and it explicitly states that it is not a bank. The page mentions audits by CertiK, Hacken, and Trail of Bits, but the main content does not provide clickable report links, so these claims require further verification.
The advantages are a short application flow, support for multi-chain wallets, the ability to obtain stablecoin liquidity without selling crypto assets, and a clear statement that collateral will not be reused. The drawbacks are limited regulatory and company information, a black-box uncollateralized scoring model, incomplete fee disclosure, and the inherent volatility and liquidation risks of crypto-backed lending. It is better suited to crypto asset holders who are familiar with DeFi and understand custody and liquidation risks. It is not suitable for users with low risk tolerance or those who need regulated credit products.
The crawled content does not provide information on access from mainland China, RMB payments, or local compliance, so the China access status is rated as unknown. Users in mainland China should independently confirm network accessibility, local legal compliance, and restrictions on crypto asset transactions. Comparable alternatives include Aave, Nexo, YouHodler, and Binance Loans.
β This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on trustloans.org official site.
trustloans.org is an Unknown Payments provider. TG4G tracks its product information, an overall rating of 6.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach trustloans.org directly.