Pesos now, without selling your dollars
Leave USDT as a guarantee and get pesos instantly in MiniPay. You pay a fraction of the bank's rate, and an agent looks after your loan.
Tell it what to do in your own words
You write or dictate a rule. The agent turns it into caps you see before you sign, and from then on looks after your loan by itself, day and night: it repays when pesos arrive, adds your dollars if risk gets close, and never goes past what you signed.
A real rule, signed on Celo«Cuando me entren pesos de ventas, pagá el préstamo con eso. Nunca vendas mis dólares.»
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Repaid with pesos that arrived20 h ago
Your rule: "Cuando me entren pesos de ventas, pagá el préstamo con eso. Nunca vendas mis dólares.". ARS 300 arrived; I repaid ARS 300 of your loan.
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Repaid with pesos that arrived28 h ago
Your rule: "Cuando me entren pesos de ventas, pagá el préstamo con eso, máximo 500 por día. Nunca vendas mis dólares.". ARS 60 arrived; I repaid ARS 60 of your loan.
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Repaid with pesos that arrived29 h ago
Your rule: "Cuando me entren pesos de ventas, pagá el préstamo con eso, máximo 500 por día. Nunca vendas mis dólares.". ARS 150 arrived; I repaid ARS 150 of your loan.
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Repaid with pesos that arrived30 h ago
Your rule: "Uso los pesos para el kiosco. Cuando me entren pesos de ventas, pagá el préstamo con eso. Nunca vendas mis dólares.". ARS 100 arrived; I repaid ARS 100 of your loan.
Largest gap in this window: 0.67% from Binance, 0.19% from dolarapi. The agent pauses new loans only if the pool is more than 1.5% from every source for 3 minutes.
Stop paying the bank's rate
Banks charge 64.63% a year for a personal loan (BCRA, 2 nov 2026). We don't sell your dollars or overcharge: the rate comes from pool use and you see it before you sign.
Your dollars stay as guarantee and come back when you repay.
You pay ARS 13,015 more for the same loan.
Your loan, looked after
You sign a rule once. If the loan nears risk, the agent adds your own dollars or repays with your own pesos, never past your caps. If pesos arrive, it can repay on its own. Every action quotes your rule.
How the agent worksOnly from your wallet into your own loan. The contract enforces it, not us.
Dollars a day, pesos a day and what it always leaves you. Take the permission back any time.
Only back to 78%: on a 1,000 USDT loan you lose US$5.80 instead of US$19.
Holding pesos? Lend them
Borrowers pay the day's rate and 90% of the interest goes to lenders. Withdraw whenever the pool has free pesos.
Lend pesosA real loan
On Celo, with real wARS, from one of our own wallets. Tap any step to see it on the explorer.
Just a Man · CC BY 4.0
For the shop, the rent, the end of the month
Lucía (an example) runs a kiosk in Caballito and saves in dollars. To restock ARS 400,000 this month, the bank would charge ARS 21,248 in interest. With Adelanto she pays ARS 8,233 and her dollars stay hers.
Try it with US$1Questions
What if I don't repay on time?
The rate rises 5 points until you repay and, after 7 days, your record marks it late. Your guarantee is never sold for paying late: only the price can trigger a partial sale.
Who holds my dollars?
The PesoPool contract on Celo. It has no function that lets an administrator withdraw them. They return to your wallet when you repay.
What is wARS?
Ripio's digital pesos: 1 wARS = 1 peso. Use them on Celo or move them to your bank account with Ripio: the “Send to my bank” button is on your loan.
When is there risk?
You owe pesos and left dollars: if the peso falls, your loan gets safer. Risk comes if the peso strengthens a lot. At 70% the agent protects you; past 80% only enough is sold to get back to 78%.
What if Ripio freezes wARS?
After 24 hours frozen, each borrower can take their dollars back down to the 70% line. It is written in the contract and tested.
Where does the dollar price come from?
From the wARS/USDT Uniswap pool on Celo, as a 30-minute average. The agent compares it every minute with Binance and dolarapi; if they disagree, it pauses new loans.