Treasury-Backed Loans
This page outlines the structure of Monstera Capital's treasury-backed loan framework. Loan access is available exclusively to active members.
Treasury-backed loans
Members may access loans issued directly from the treasury account. Borrowing capacity is determined by a member's total contributions to the treasury over time, including monthly membership fees and any other approved contributions.
Under the current framework, members may borrow up to four times (4×) their total contributed amount.
The minimum contribution required to maintain active membership is $10 per month.
During the first six months of continuous membership, borrowing is limited to an initial cap of $100. This temporary cap is intended to ensure a disciplined rollout and protect treasury integrity during early participation.
Example
A member contributing $10 per month for six months will have contributed $60 in total. During the first six months of membership, borrowing is limited to $100. After six months of continuous membership, the initial cap is removed and the member may be eligible to borrow up to $240 under the 4× framework, subject to internal approval.
Loan access is not guaranteed and is subject to internal review, treasury availability, and compliance requirements. Participation does not constitute an entitlement to credit. Membership contributions support participation in the treasury and are not applied toward repayment of any outstanding loan balance. Loan repayment obligations are handled separately.