Borrow stablecoins without selling your ETH.
Lend is a permissionless lending pool. Supply USDC to earn from borrowers, post WETH as collateral, and draw up to 75% of its value, while an on-chain Health Factor keeps every position solvent.
Liquidation threshold 80% · liquidator bonus 5% · no admin withdrawal path
Values shown are the deployed protocol parameters.
Four steps from idle capital to a live position
- 01
Supply liquidity
Deposit USDC into the pool. It becomes the cash borrowers draw from, and you can withdraw it whenever the pool holds enough.
- 02
Deposit WETH collateral
Post WETH to your position. It is valued by the oracle and never lent out; it only backs what you borrow.
- 03
Borrow up to 75% LTV
Draw USDC against your collateral value. Interest accrues continuously at a rate that rises with pool utilization.
- 04
Stay above Health Factor 1.0
Your HF is collateral × 80% ÷ debt. Below 1.0 anyone can repay your debt and seize your collateral plus a 5% bonus.
Health Factor, always visible
Every position carries a single solvency number, computed on chain from oracle prices and the 80% liquidation threshold. The dashboard shows it with the 1.0 line drawn in.
Rates that follow demand
The interest rate model starts at 2% and climbs with utilization, so lenders are paid more exactly when liquidity is scarce.
Permissionless liquidations
Anyone can close an underwater position: repay its USDC debt, receive its WETH collateral plus a 5% bonus. No keeper whitelist.
Open a position in under a minute
Point MetaMask at Sepolia (or your local Anvil node), mint test tokens from the faucet, and watch the Health Factor move as you borrow.