FAQ and Other Questions:

What is FinancialContribution.com?

FinancialContribution.com is an organization that uses NFT-backed loans to generate passive income for lenders. Individuals and organizations use our NFT-backed loans to help grow their funds for both personal and business purposes! We also advocate for financial contributions of all kinds (investments, donations, etc).

What is an NFT-backed loan?

An NFT-backed loan is a loan that uses an NFT as collateral to back the loan. So if the loan isn’t repaid on time, the NFT that was used as collateral is automatically transferred to the lender's wallet. We use smart contracts created by a service called Flowty.io for our loans.

How long does it take to get my money back?

Some loans return the money with the interest within 60 days, while the limit for the longest loans is 365 days (1 year). Lenders can see the number of days of each loan by selecting the listing before choosing to fund it. Consulting clients can request that loans be repaid within a specific period, anywhere between 60 and 365 days.

How do I start lending? Are there any requirements?

Lenders can start by lending any amount from $30 to $10,000 per loan. Learn more about becoming a lender here!

Is FinancialContribution.com a bank?

FinancialContribution.com is not a bank, broker-dealer, investment advisor, or funding portal. FinancialContribution.com also isn't not FDIC insured. Each loan is backed by an NFT.

How do I withdraw or get my money out?

You have several options for withdrawing your funds. One recommended method is to convert your $USDC.e(flow) to $Flow. You can then send this $Flow to your Coinbase.com wallet, where it can be exchanged for $USDC and subsequently withdrawn to your bank account for immediate access.

Is NFT-backed loan lending legal?

We operate with a commitment to complying with applicable laws, and we are closely monitoring regulatory developments in this evolving space. It is advisable for users to also be aware of the legal frameworks in their own locations.

What if a loan isn’t repaid?

If a loan isn't repaid on time, the NFT collateral is immediately transferred to your wallet. This gives you the choice to sell the NFT if you wish. Many lenders strategically choose loans backed by NFTs with a value exceeding the loan amount. This provides a comfortable margin, ensuring you can recover your funds with a generous profit if necessary. Selling the NFT on marketplaces like Flowty.io or NBATopShot.com (or other relevant platforms) can actually lead to a greater profit as long as the NFT's value hasn't dropped below the loan repayment amount. You can easily check the transaction history of each NFT to see its price fluctuations and trading frequency.

How much can each lender lend?

The minimum depends on if you already have funds in your digital wallet. If you do then you can lend as little as $3. If not the minimum you can deposit is $30. The maximum you can currently lend is $300,000 within 1 day. If all of the listed loan listings have been funded, new loan opportunities get listed within 5 - 30 minutes

How much is each NFT worth?

The NFTs used as collateral range in value from around $2 to over $10,000. You can review the NFT's transaction history and offers to help determine its worth to you.

What are the risks?

Risks include potential blockchain vulnerabilities that could disrupt transactions and volatile NFT values that might fall below the loan's outstanding balance. Learn more about risks here. Choosing to fund loans secured by NFTs with a strong history helps reduce this risk. Regarding blockchain vulnerabilities, we've only experienced one minor issue in our three years of lending. In that instance, all lenders with active loans received their funds back early, along with the full interest they were owed.

What does FinancialContribution.com do with the money?

The FinancialContribution.com team uses the funds for multiple purposes, including buying NFTs, investing in other assets outside of the NFT industry, business operations, and more.

What if everyone wants their money out at the same time?

If we cannot repay any of our loans in time, the loan will default, and the lender will automatically receive the collateral that was used to back the loan. We consider various factors, including potential lender withdrawals, when creating the terms for our loans.

How did FinancialContribution.com start & what is the mission/vision?

FinancialContribution.com started on March 28th, 2018, as a simple directory of curated financial contribution opportunities. The company was designed to help facilitate as many financial contributions as possible. In May 2022, Flowty.io enabled us to start providing passive income to lenders using our NFTs as collateral. Since then, we’ve proudly repaid hundreds of NFT-backed loans!

Has the FinancialContribution.com team ever defaulted on NFT-backed loans?

We're committed to providing a reliable lending environment. While we haven't had any defaults in 2025, there were specific instances in the past with experienced lenders where strategic defaults occurred. The data from every single one of our NFT-backed loan defaults (and successful repayments) is available on Flow.com’s public blockchain. Analyzing the data from the blockchain, you can verify our strong track record, having repaid over 95% of the NFT-backed loan capital borrowed with interest and on time, oftentimes early. We have also purchased NFTs back from lenders at a premium in some cases. Our goal is to continue our high repayment success rate and offer you dependable lending opportunities. To help you feel even more confident, you could consider funding loans where the NFT's value is considerably higher than the loan amount, minimizing risk and maximizing potential if we default for some reason.

What is the benefit of lending as soon as possible?

The earlier you start lending, the more time the "interest on interest" effect has to work its magic and make your savings grow faster.

Who created FinancialContribution.com?

Joshua Mendes-Yesufu, an entrepreneur who was born and raised in Boston, Massachusetts.

Can I get my money back after funding a loan?

After funding a new loan, your funds are committed to the loan until it is either repaid by the borrower (possibly early) or the loan defaults.

What happens to the NFT when it’s being used as collateral?

When one of our NFTs is being used as collateral, it's locked by a smart contract and we temporarily don’t have access to it until we repay the loan. We cannot sell it, destroy it, transfer it, or perform any other action with it until the loan is repaid.

You can learn about becoming a lender here. If you have any other questions, we’re more than happy to consult with you to help you best leverage FinancialContribution.com!

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© Financial Contribution Inc. 2025 All Rights Reserved.

This website is for information purposes only. Under no circumstances is this website or the information contained herein to be considered an offer to sell or as a solicitation of an offer to buy any financial product. Investments are offered only via definitive transaction documents and any potential investor should read such documents carefully, including all the risk factors relating to the investment, before investing. Financial Contribution Inc. is neither a broker-dealer, investment advisor nor funding portal.