Lunu Credit Access facilitates instant loans with partner banks online in stablecoins to holders of cryptocurrencies with very attractive terms. The customer can then spend this loan in Lunu-enabled retail transactions at 0% commission, or convert the stablecoin loan to fiat money paying just 1% commission. Small businesses and individuals can borrow online up to 10 000 Euros (in stablecoin equivalent) through Lunu Credit, without complicated eligibility paperwork or bank consultations. Stablecoin loans can be issued in just 5 minutes, immediately convertible into local currency and transferred to a retail bank account.