Peer-to-Peer NFT Loan Matching Tool

WHAT IT DOES

This tool enables peer-to-peer matching of NFT loan requests with lender offers. Borrowers can request loans backed by their NFTs, specifying the loan amount, interest rate, and duration. Lenders can review these requests and submit offers to fund them. When a match occurs, the NFT is locked as collateral and the loan funds are disbursed. It connects to your wallet and reads the matching contract address, loan request ID, lender offers, NFT collateral details, loan amount, interest rate, loan duration, match status, match history, and timestamps. The tool signs and submits transactions to match NFT loan requests with lender offers, accept loan terms, finalize matches, record match metadata, and emit match events.

HOW TO USE

1. Connect your wallet using the wallet bridge (supports MetaMask, WalletConnect, and other EVM-compatible wallets).

2. Select the target network that matches your matching contract deployment.

3. Enter the matching contract address and the loan request ID, then click "load contract" to initialize the connection.

4. Click "fetch match status" to retrieve the NFT collateral details, loan amount, interest rate, loan duration, and match status.

5. Review the loan request details — this is the borrower's request that needs funding.

6. Enter the lender offer as a comma-separated list: lender address, amount, rate (%), and duration (seconds).

7. Click "validate match" to verify that the offer is valid and the request is open for matching.

8. Click "check match history" to view your past matches.

9. Review the lender offer, loan amount, interest rate, and duration before executing.

10. Click "match loan" to sign and submit the transaction that matches the borrower with the lender.

TECHNICAL MECHANISM

The tool uses ethers.js v5.7.2 to interact with any EVM-compatible matching contract that implements a standard interface (getRequestDetails(uint256) view returns (address, uint256, uint256, uint256, uint8), getMatchStatus(uint256) view returns (uint8), matchLoan(uint256, address, uint256, uint256, uint256) external, getMatchHistory(address) view). The getRequestDetails view returns the NFT collateral address, loan amount, interest rate, duration, and status. The matchLoan function validates that the request is open, the lender has sufficient funds, and the terms are acceptable. The function transfers the loan amount to the borrower, locks the NFT as collateral, and updates the match status to "matched." The contract maintains a history of matches, storing timestamps and amounts for audit purposes. Transaction handling follows EIP-1559 gas price calculations using receipt.effectiveGasPrice for accurate cost reporting. Match metadata is recorded both in the contract's history and locally for the user's reference.

WHAT IT CANNOT SEE

This tool operates purely on-chain and cannot verify off-chain borrower identity — it does not check who the borrower is or whether they are trustworthy. It cannot validate lender reputation — the tool cannot confirm that the lender is reliable or has sufficient funds. It cannot detect loan fraud — the tool cannot identify attempts to submit fraudulent loan requests or offers. It cannot ensure loan repayment — the tool does not guarantee that the borrower will repay the loan. The tool also cannot guarantee match fairness — it does not verify that the match is fair to both parties.

PLEASE NOTE

This tool works exclusively with EVM-compatible blockchain networks (Ethereum, Polygon, Arbitrum, Optimism, Base, etc.). It requires the matching contract to implement the interface described above. All transactions incur gas fees paid by the connected wallet. The tool maintains no persistent storage — all state is refreshed from the blockchain on each session. Matching a loan is a significant financial decision for both borrowers and lenders — ensure the terms are clear and mutually acceptable. Borrowers risk losing their NFT collateral if they default. Lenders risk losing their funds if the borrower defaults. Always verify the loan request details and lender offer before executing. Consider using escrow services or reputation systems for additional security.