FlashBank
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Scenario calculator

Every term on a FlashBank loan is fixed when it's created — so the outcome is knowable up front. Drag the sliders to model a deal, then move the market rate (the one thing that genuinely floats) to see who comes out ahead. Nothing here touches a wallet or the chain.

The deal (fixed at creation)

1,000 fpUSD
3 fpETH
3 % of principal

= 30 fpUSD · a single fee, not interest

30 days
500 fpUSD / fpETH

Frozen at creation — never an oracle.

Locked when the loan is created — nothing is priced live
You borrow
1000 fpUSD
+ flat fee
30 fpUSD
You pledge
3 fpETH
Agreed rate
1 fpETH = 500 fpUSD
On default, the pledged 3 fpETH splits like this
Lender keeps 2.06 fpETH
Surplus → borrower 0.94 fpETH

The lender takes just enough to cover the 1030 fpUSD debt at the agreed rate: 1030 ÷ 500 = 2.06 fpETH. The other 0.94 fpETH was pledged on top of what you borrowed, so it goes back.

Lender (made whole — principal + fee, at the agreed rate) Borrower (the over-pledged surplus)
Total to repay
1,030 fpUSD
1,000 + 30 fee
Fee, annualised
36.5%
3% flat over 30d

What if the market moves?

The contract never reads a price — but the real market rate still decides whether the borrower would rather repay or walk away at the deadline. Drag it and watch the decision flip at the break-even point.

620 fpUSD / fpETH

Break-even ≈ 500 fpUSD / fpETH (where repaying and walking away cost the same).

A rational borrower repays

At 620 fpUSD/fpETH the pledged collateral is worth 1,860 fpUSD — more than the 1,030 fpUSD owed, so it's cheaper to repay and keep it. The lender simply earns the 30 fpUSD fee.

Outcome
Repaid
Lender result
+30 fpUSD
the flat fee
Lender holds after
1,030 fpUSD
principal + fee
This models the borrower's rational choice at the deadline; people default for other reasons too. The contract itself reads no price — it only checks the clock. See surplus & the agreed rate for the why.
Post or take a real offer on the playground