tothem.la
For Borrower
For Lender

Microloans made simple.Securely tokenized.Built on trust.

For Borrower:
  • Bills paid automatically
  • Fair & transparent rates
  • Build your credit history
  • Rewards for reliability
For Lender:
  • Earn sustainable returns
  • Tokenized loan positions
  • Full transparency
  • Diversify your portfolio
For Borrower

Empower Your Finances with Smart Microloans

Take control of your everyday expenses with transparent, secure, and goal-driven financing.

  • Fast approval and direct bill payments
  • Transparent terms with no hidden fees
  • Credit score growth with each repayment
  • Rewards and lower rates for on-time payments
Get Started

Instant Bill Coverage

Your utility or service bills are paid directly—no need to handle cash or manual transfers.

Fair & Transparent Rates

Know exactly what you pay. Clear loan terms, no surprises or hidden charges.

Credit Growth Made Simple

Every on-time repayment helps build your credit score and unlock better loan conditions.

It's Simple

How it Works?

Settle your bills in just a few simple steps. Enjoy a seamless repayment experience with full transparency at every stage.

  • 1

    Verify your identity

    KYC made simple—confirm who you are to unlock access to fair microloans.

  • 2

    Create your loan request

    Upload your bill, set the amount, and submit your request—all within minutes.

  • 3

    Get funded by lenders

    Once approved, your bill is paid directly by our system. You get peace of mind—they earn yield.

  • 4

    Track and repay

    Monitor your repayment progress and make payments easily through the app.

  • 5

    Close the loop

    When your balance reaches zero, the NFT is marked as settled—your loan journey completed transparently on-chain.

For Lender

Grow Your Capital with Impact.

Earn sustainable returns by funding verified microloans—transparent, tokenized, and secured on-chain.

$14.2M+

Our Users Revenue

480+

Wallets Support

20%

APR

  • Earn stable yield in USDT
  • NFT-backed proof of every loan
  • Full transparency through blockchain
  • Diversify across verified borrowers
Connect Wallet

Earn Sustainable Returns

Generate consistent yield by funding real-world microloans tied to essential services.

Tokenized Loan Positions

Each funded loan is represented by an NFT—your verifiable proof of ownership rights.

Transparent On-Chain Tracking

All transactions are visible on-chain, ensuring full transparency and trust.

Diversified Portfolio

Spread your funds across multiple verified borrowers in LATAM to balance risk and return.

Still have questions?

We're here to provide clarity and assist with any queries you may have.