Supply. Borrow. Stay in control.
Lend stablecoins and borrow against the assets you already hold, with clear rates and a health factor you can read at a glance.
Supply
Deposit USDG or WETH into a curated vault and earn a variable rate from borrowers.
Borrow
Post tokenized stocks, real-world assets or crypto in an isolated market and borrow against it.
Stay in control
Watch your health factor, add collateral or repay any time, and read every parameter on chain.
Largest markets
| Market | Total supplied | Supply APY | Borrow APY | Max LTV |
|---|---|---|---|---|
Tokenized stocks
Priced by 24/5 Chainlink-style feeds that pause outside market hours.
Real-world assets
Treasury and gold tokens with the highest loan-to-value tiers.
Crypto
WETH against USDG, and USDG as margin to short ETH.
Long-tail tokens
Priced by 30-minute Uniswap v3 TWAPs, capped small, in their own vault.
Isolated markets
Markets settle on an unmodified Morpho Blue deployment. Each has its own oracle, liquidation LTV and supply cap, so one bad asset cannot socialise losses.
Oracles
Equities use 24/5 feeds that pause outside market hours. Long-tail tokens use 30-minute Uniswap v3 TWAPs. A watchdog can cap a market to zero when a feed and the market disagree.
Risk parameters
Liquidation LTV tiers from 38.5% to 91.5%, per-market caps and a one-day timelock on vault changes. Every parameter is readable on chain.
Testnet deployment. The upstream Morpho Blue and MetaMorpho contracts carry their authors' audits; netlend's own contracts (oracles, market guard, mocks) are not audited yet. Source is public at github.com/wazarat/netlend.finance.
What is netlend.finance?
A lending protocol on Robinhood Chain. You supply USDG or WETH to a curated vault and earn a variable rate, or post collateral in an isolated market and borrow against it.
Is this real money?
No. This deployment runs on Robinhood Chain testnet with mock tokens from the faucet. Nothing here has value.
How are rates set?
Each market uses an adaptive-curve interest rate model. The borrow rate moves with utilisation, and suppliers earn that rate less a 10% performance fee. Every rate shown is variable.
What is the health factor?
Collateral value times the market's liquidation LTV, divided by your debt. Below 1.00 the position can be liquidated. We call 1.50 and above Healthy, 1.10 to 1.49 Caution and below 1.10 At risk.
Who holds my funds?
The contracts do. Vaults are MetaMorpho ERC-4626 vaults and markets settle on an unmodified Morpho Blue deployment. The curator can only move liquidity between whitelisted markets inside caps that sit behind a timelock.