Aqua Protocol is a decentralized platform on the TON blockchain. It offers users the ability to obtain loans in cryptocurrency and earn tokens. Access to its features is provided through a web app that works in both your browser and Telegram.
How to Get a Loan?
Open the web app and link your wallet—either Tonkeeper or the internal Telegram Wallet. Aqua Protocol then analyzes whether your wallet meets the requirements:
Nomis Score
A metric used to assess user activity and reliability. If your wallet lacks a Nomis Score, it means it has not passed the necessary verification to receive rewards or participate on the platform.
Aqua Points
A reward system designed to motivate user activity. You can earn Aqua Points by completing tasks, and later exchange these points for rewards or participate in token airdrops.
Notcoin Vouchers
The platform checks whether Notcoin vouchers were used with your linked wallet, which adds to your trustworthiness.
Whitelist and Zealy Rewards
A whitelist grants certain addresses access to special functions or rewards. If your wallet isn’t on the list, achievements on the Zealy platform can help you qualify. These rewards are given for completing specific tasks.
How Does Lending Work?
You pledge an amount N in AquaUSD, then you can take a loan equivalent to half that amount. The idea is that your pledged funds continue to generate annual income while you use the loan freely. This way, you don’t have to withdraw funds from your main account and risk losing your passive income.
