Reinventing
cash advance
loans
Can users lock in their principal and a
fixed-rate, and borrow against it
today? Absolutely
.
We decided to reinvent Cash
Advance Loans to give you access to
the future
, today.
0% Interest Self-paying Loans
Yield
50%
Dream House
15%
Dream
Vacations
25%
Now that dream of buying a
new car, a down-payment on
a house, an immediate need
for capital to buy that wedding
ring
without tapping into
your principal.
You will never have to make a
payment again—as they are
self-paying.
Let’s reflect  ↓↓↓
Sandclock - Entrepreneur
Entrepreneur as a Sandclock wants access to capital today
1
2
Wants to fund their working capital or equipment
Purchase can happen by borrowing against their future yield
Can be used in the exact same
way as when you structure your
Foundation/Portfolio
Self-paying
Loans
Personal
User receives cash
immediately (0.3% swap fee;
not taken by Sandclock)
(01)
Donate
User donates through
Sandclock
(02)
Invest
User invests through
Sandclock
(03)
Leverage
User reinvests future yield into
the vault to generate more
yield
(04)
Sandclock enables you to use these
self-paying loans can be used in the
exact same way as when you
structure your Foundation/Portfolio
Here is a very brief
demo of the mechanism
How it
       works
Sandclock - Tether logo
1,000 USDT
yield
is set to be generated
over 6 months
Jenny
want this 100
to be invested right now
on a Startup
Better
Jenny receives a
“synthetic” version of the yield
called synthetic
Terra USD (SUST)
Sandclock maintains a liquidity
pool where users can deposit
SUST and withdraw UST, 1:1.
If user chooses to:
Invest it
, then all of this is handled by
Sandclock (the synthetic, conversion of
SUST for UST, and investment on behalf of
the user).
As a 
personal loan
, the user will simply
receive the SUST himself. This SUST can be
exchanged for UST and reinvested into
Sandclock, or whatever the user wants to do
with it. Can be used as collateral for another
loan on another money market platform, and
so on.
Possibilities are limitless, and Sandclock
automated only two use cases (investing,
giving, and we might include leverage, aka
reinvest into the vault).
Get a 0% interest rate
advance on your yield,
today—it pays for itself
over time.
Assuming you have locked your funds at Sandclock that would generate a yield of $1,000 over the next 6 months, you could borrow your yield today and use it as a personal loan, invest it, or give it to a cause that’s dear to your heart

Pro tip: You could even re-invest this $1,000 back into another Sandclock vault.
Rates 0%
Grow your Wealth responsibly
Save, give, invest, and spend.
Create your portfolio, we manage the rest.