Questions, answered.
If something isn't covered here, contact our team.
Are returns guaranteed?
No. Pools show target yield ranges. Loans can be restructured or default, and you can lose some or all of the capital you allocate.
Why do I need to verify my identity?
Gotham is a regulated-style credit platform. We must know who our investors and borrowers are before money moves. Until your KYC is approved, deposits, allocations and withdrawals stay locked.
What is a lock-up?
Each pool has a lock-up period that starts when you allocate. During it, that allocation cannot be redeemed. After it ends, you can redeem the allocation back to your wallet and withdraw.
How do weekly distributions work?
Borrowers repay weekly. The interest portion runs through the published waterfall, and the investor share is credited pro-rata to every active allocation in that pool. You can turn on auto-reinvestment per allocation.
How do I deposit?
In crypto only: USDC or USDT on the networks listed in your wallet. Deposits show as pending until our team confirms them on-chain. Withdrawals are also paid in USDC/USDT to a wallet you add.
Who borrows the money?
Established businesses in real estate, commodities, agriculture and trade. Every facility is secured by collateral, sized to the borrower's weekly revenue and repaid weekly.
How is my data protected?
Identity documents are encrypted before storage in a private vault and are never published. Only cryptographic fingerprints of the audit trail and statements are anchored to IPFS, which lets anyone verify records were not altered without exposing personal data.
Can I close my account?
Yes. Request closure in Settings. Open allocations must reach the end of their lock-up and be withdrawn first.