Everything here is informational only — The Undesirables LLC's own data and
models, provided "as is" with no warranty. It is not financial, investment, or
lending advice, and not an offer to lend. We are not a lender, broker, or fiduciary.
Any decision you make — and any loss — is yours alone. Do your own research and
consult your own qualified advisors. The
full disclaimer
is at the bottom of the page.
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🍄 LOAN-TERMS ORACLE
How much can you safely lend against a trading card? Look one up and watch the
answer get built — no black box, every input verifiable on-chain.
The method, in plain English: 1 · Value. We start from the card's real market price — sales-derived, not asking prices. 2 · Tail risk. Our forecast engine publishes a calibrated 99% worst-case move for the loan
term (VaR99), validated against reality daily and merkle-committed on-chain BEFORE outcomes exist. 3 · Tail value. Value × (1 + VaR99) = what the collateral is still worth in the bad case. 4 · Buffer. A liquidation must clear 10% below even that — so the max loan is tail value × 0.90. 5 · Liquidity cap. A card that rarely trades can't be liquidated at model price: trading
continuity and observed slab supply cap the LTV (55% deep → 15% illiquid). 6 · Result. Max LTV, max loan, liquidation price. If we can't measure a card's risk, we say
not rateable instead of guessing — that refusal is part of the method.
The search above covers the full rated universe —
2,000 cards, listed openly, re-ranked daily by market
relevance. The top 250 (the free board) show the complete worked math right here; every other rated
card, plus graded-slab terms and a suggested interest premium (expected-loss priced from the same
calibrated tail), is one call to
the API ($0.10). Where prices come from: raw-card
values are TCGplayer market prices (sales-derived) mirrored daily — every derivation links to its
TCGplayer product page and its on-chain Merkle proof, so you can check both the source and that we
committed the number before you asked.
⚖️ Disclaimer — read before relying on anything here:
All information on this page and from the Loan-Terms Oracle API is provided by The Undesirables LLC
for informational and educational purposes only. It is a statistical estimate produced by our
own data and models. It is not financial, investment, lending, tax, or legal advice, and it is
not an offer, solicitation, or commitment to lend, borrow, buy, or sell any asset. We are not a
lender, broker, dealer, appraiser, or fiduciary, and no advisory relationship is created by your use
of this service.
Everything is provided "as is" and "as available," without warranty of any kind, express or
implied — including accuracy, completeness, timeliness, merchantability, or fitness for a particular
purpose. Models are calibrated against history; markets can and do move outside any modeled range.
Past performance and past calibration do not guarantee future results.
You assume all risk. Any loan you make or take, any price you pay, and any decision you base on
this data is yours alone. To the maximum extent permitted by law, The Undesirables LLC and its
members are not liable for any loss or damage — direct or indirect — arising from use of, or
reliance on, this data. Do your own research and consult your own qualified financial and legal
advisors before making lending or investment decisions.