About ZZZ Lend
ZZZ Lend is a risk-layered DeFi lending protocol. Depositors supply USDC and earn dynamic estimated yield; borrowers collateralize ETH and choose one of five LTV risk tiers (50–80%). The system prices risk in real time: higher tiers mean higher borrowing power, higher estimated yields — and higher risk.
Bad debt beyond the risk reserve is shared by all depositors proportionally, similar to a fund whose NAV can decline. The risk reserve targets 3% of total borrows; excess reserve is automatically diverted to the treasury.
Risk Disclosure
- Bad debt risk: deposits are not guaranteed. If bad debt exceeds the risk reserve, your principal may decrease.
- Oracle risk: prices come from Chainlink with staleness and deviation checks, but feeds can lag or be paused.
- Liquidation risk: if your Health Factor drops below 1, your collateral may be liquidated at a 5% bonus to liquidators.
- Liquidity risk: withdrawals may fail if pool liquidity is insufficient.
- Smart contract risk: unaudited by an independent third party; use at your own risk on testnet only.
Deployed Contracts (Sepolia)
| Contract | Address |
|---|---|
| LendingPool | 0x4c0F60…1d1a19 |
| MockUSDC | 0x3b661C…399D5D |
| SwitchableOracle | 0x33e697…447007 |
| ChainlinkOracle | 0xb89ddB…ff979c |
| InterestRateModel | 0xad3f7e…02002b |
| RiskManager | 0xad07d4…Ca2bB6 |
| LiquidationManager | 0xa672e6…1FB2c9 |
| ReserveManager | 0xf42745…7Df634 |
| RiskEngine | 0xB203c0…F5764C |
Audit Status
Security review completed, pending third-party audit.
Disclaimer
This is a testnet demo connected to Sepolia. It uses mock test assets and simulated history. Nothing on this page is an offer of financial products, and no returns are guaranteed. Do not use real funds.