Lending where you choose your risk
Supply USDC to earn dynamic estimated yield, or borrow against ETH across five risk tiers. Real-time risk pricing, transparent reserves, and losses shared by depositors on bad debt — like a fund whose NAV can decline.
Market Overview
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Choose Your Risk
Pick a tier. Higher LTV means higher borrowing power, higher estimated yield — and higher risk.
Tier 1Low
50%
Max LTV · Liq. threshold 60%
Estimated, not guaranteed
Tier 2Medium
60%
Max LTV · Liq. threshold 70%
Estimated, not guaranteed
Tier 3High
70%
Max LTV · Liq. threshold 78%
Estimated, not guaranteed
Tier 4Very High
75%
Max LTV · Liq. threshold 85%
Estimated, not guaranteed
Tier 5Extreme
80%
Max LTV · Liq. threshold 90%
Estimated, not guaranteed
Risk notice: Deposits are not guaranteed. Your principal may decrease due to bad debt, similar to a fund whose NAV can decline. All APY figures are estimates and may change with market conditions. Borrowing involves liquidation risk — if your Health Factor drops below 1, your collateral may be liquidated.