Lending Market
P2P IFR Lending — Browse Offers, Borrow, Earn Interest
Market Stats
Total Available
—
Total Lent
—
Current Rate
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Active Loans
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Active Lending Offers
Browse available IFR lending offers. Click “Borrow” to request a loan on the LendingVault page.
| Lender | Available IFR | Rate / Month | Action |
|---|---|---|---|
| Loading offers… | |||
How It Works
1
Lender creates offer
Deposit IFR on LendingVault. Set how much you want to lend. Earn interest when borrowers repay.
Deposit IFR on LendingVault. Set how much you want to lend. Earn interest when borrowers repay.
2
Borrower selects offer + posts ETH collateral
Choose an offer, set duration (30–365 days), post 200% ETH collateral. Receive IFR immediately.
Choose an offer, set duration (30–365 days), post 200% ETH collateral. Receive IFR immediately.
3
Repay IFR + interest
Return borrowed IFR plus monthly interest. Get your ETH collateral back. Interest split: 50% lender, 50% protocol.
Return borrowed IFR plus monthly interest. Get your ETH collateral back. Interest split: 50% lender, 50% protocol.
Interest Rate Curve
Rates increase with utilization to ensure fair pricing and available liquidity.
| Utilization | Monthly Rate | Effective Annual |
|---|---|---|
| 0 – 25% | 2% | ~27% |
| 26 – 50% | 3% | ~43% |
| 51 – 75% | 5% | ~80% |
| 76 – 90% | 8% | ~152% |
| 91 – 99% | 15% | ~435% |
| 100% | 25% | ~1355% |
Collateral & Safety
| Threshold | Ratio | Action |
|---|---|---|
| Initial Collateral | 200% | Required to borrow |
| Margin Call | < 150% | Warning — top up collateral |
| Liquidation | < 120% | Automatic — liquidator gets 5% bonus |
Contract Addresses
| LendingVault (Mainnet) | 0x974305Ab0EC905172e697271C3d7d385194EB9DF |
| IFR Token | 0x77e99917Eca8539c62F509ED1193ac36580A6e7B |
| Owner | Governance (TreasurySafe 3-of-5) |