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Getting Started as a Lender

Welcome to ReFlow! This guide walks you through everything you need to start lending and earning returns on your investments.

Overview

Becoming a lender on ReFlow involves three main steps:

  1. Create Your Account - Connect your wallet
  2. Complete KYC - Verify your identity
  3. Start Investing - Choose loans or fund managers

Prerequisites

Before you begin, ensure you have:

Required

  • A Web3 wallet (MetaMask, Rainbow, Coinbase Wallet, etc.)
  • MNT tokens for transaction fees
  • USDT for investments
  • Valid government-issued ID

Recommended

  • Basic understanding of P2P lending
  • Investment goals in mind
  • Risk tolerance assessed

The Onboarding Process

Connect Wallet → Create Profile → KYC Verification → Fund Account → Start Lending

Step 1: Connect Your Wallet

  1. Visit the ReFlow platform
  2. Click "Connect Wallet" in the top right
  3. Select your wallet provider
  4. Approve the connection in your wallet
  5. Sign the authentication message

Step 2: Create Your Profile

After connecting, complete your profile:

  • Display name (optional)
  • Email address (for notifications)
  • Communication preferences

Step 3: Complete KYC Verification

KYC (Know Your Customer) is required for compliance:

  1. Go to Profile → Verification
  2. Fill in personal details
  3. Upload ID document
  4. Take a selfie for verification
  5. Submit and wait for approval

Verification typically takes 24-48 hours.

Step 4: Fund Your Account

  1. Ensure your wallet has:
    • USDT for investments
    • MNT for gas fees
  2. Add Mantle Network to your wallet if needed
  3. Transfer tokens to your connected wallet

Step 5: Start Lending

Choose your investment approach:

Option A: Managed Mode

  • Navigate to Auto-Manage
  • Select a fund manager
  • Invest your desired amount

Option B: Self-Managed Mode

  • Browse the Market
  • Select loan products
  • Invest in individual loans

Account Security

Best Practices

Do Don't
Use a hardware wallet for large amounts Share your private keys
Enable all security features Use public WiFi for transactions
Verify all transaction details Rush through confirmations
Keep recovery phrase offline Store credentials digitally

Two-Factor Authentication

We recommend enabling 2FA for additional security:

  1. Go to Profile → Security
  2. Enable two-factor authentication
  3. Save backup codes securely

Understanding Your Dashboard

Once set up, your dashboard shows:

  • Total Portfolio Value: Your total investment value
  • Active Investments: Number of active positions
  • Returns: Earned and projected returns
  • Recent Activity: Latest transactions

What's Next?

After completing onboarding:

  1. Learn about Investment Modes
  2. Understand the Portfolio
  3. Explore the Secondary Market

Need Help?

Detailed Guides: