Help Center
Everything you need to know about borrowing, lending, vouching, and earning on ZapLend.
How It Works
Follow these 6 steps to borrow with social collateral.
Connect Wallet
Click "Connect Wallet" in the navbar. You'll onboard via Cartridge Controller — no browser extension needed.
Create a Loan
Go to the Borrow page. Set your loan amount, social collateral target, and duration. Submit to create an on-chain loan request.
Go to pageShare the Link
Each loan gets a unique /loan/[id] URL. Copy the link, use the QR code, or share directly to Twitter, Telegram, or WhatsApp.
Friends Vouch
Friends open your link and stake STRK as social collateral. Vouching is gasless — they pay zero fees thanks to Starkzap SDK.
Get Funded
Once the social collateral threshold is met, the loan activates and funds are released to your wallet.
Repay on Time
Go to your Dashboard and make payments. Partial repayments are accepted. Repay the full amount + 5% interest before the deadline.
Go to pageStaking & Rewards
Make your idle STRK work for you with active staking.
1Explore Pools
On the Stake page, view live validator pools loaded dynamically via the Starkzap SDK. Choose a pool to see its total staked value.
2Stake STRK
Click "Stake" on any pool, enter your amount, and confirm the gasless transaction. You'll start earning rewards immediately.
3Claim Rewards
Check your "My Position" tab to track your staked amount, commission rate, and earned rewards. Click "Claim" to withdraw rewards.
4Unstake Tokens
To withdraw, first declare your intent. After a network cooldown period expires, return to complete the withdrawal to your wallet.
Key Features
What makes ZapLend different from other DeFi lending protocols.
Social Collateral
Friends stake STRK to vouch for you, reducing your personal collateral by up to 40%. Unlike traditional DeFi where you're alone, ZapLend leverages your social network for better loan terms.
Gasless Vouching
Powered by Starkzap SDK's fee sponsorship mode, your friends can vouch for you without paying any gas fees. This removes the biggest friction point for social lending.
On-Chain Credit Score
Your borrowing history is tracked on-chain. Every repaid loan boosts your score (300-1000), making you more trustworthy for future loans and more likely to receive vouches.
Shareable Vouch Links
Every loan gets a unique URL (/loan/[id]) with a QR code. Share it on social media, messaging apps, or in person. Friends can vouch with just one click.
STRK Staking
Don't let your idle STRK sit around. Use the Starkzap SDK staking APIs to delegate tokens to validators and earn yield while waiting for loan approvals.
Cartridge Controller
No wallet extension needed. ZapLend uses Starkzap's Cartridge onboarding strategy with session keys and policy-based permissions for a seamless experience.
How the Math Works
Understanding collateral calculations and savings.
Without Social Collateral
With Social Collateral
Frequently Asked Questions
11 questions answered about ZapLend.
DeFi Glossary
Key terms you'll encounter while using ZapLend.
Assets locked as security for a loan. If the borrower defaults, collateral is seized.
STRK tokens staked by friends to vouch for a borrower, reducing the personal collateral requirement.
The act of staking STRK tokens on behalf of a borrower, signaling trust in their ability to repay.
The process of seizing collateral when a loan expires without full repayment.
An on-chain reputation metric (300-1000) based on borrowing and repayment history.
A blockchain transaction where gas fees are sponsored by the protocol, not the user.
Total Value Locked — the total amount of assets deposited in the protocol.
Locking tokens with a validator to help secure the network and earn rewards.
The native token of the Starknet network, used for gas fees, staking, and as the lending currency in ZapLend.
Starkzap SDK Integration
How ZapLend leverages Starkzap under the hood.
Wallet Onboarding
sdk.onboard({
strategy: OnboardStrategy.Cartridge,
cartridge: { policies },
feeMode: 'sponsored'
})Seamless wallet connection with Cartridge Controller, session keys, and policy-based permissions.
Gasless Transactions
wallet.execute([{
contractAddress: LOAN_CONTRACT,
entrypoint: 'add_vouch',
calldata: [loanId, amount]
}])Fee-sponsored transaction execution for vouching — friends pay zero gas.
Staking APIs
const tokens = await sdk.stakingTokens(); const pools = await sdk .getStakerPools(validatorAddr);
Query staking tokens and validator pools to earn yield on idle STRK.
Quick Links
Need Help?
ZapLend is an open-source project built for the Starkzap Developer Challenge. Have questions, feedback, or found a bug? We'd love to hear from you.