Lending Market
P2P IFR Lending — Browse Offers, Borrow, Earn Interest
Market Stats
Total Available
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Total Lent
—
Current Rate
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Active Loans
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Active Lending Offers
Browse available IFR lending offers. Borrow transactions require at least one active offer and a non-zero ifrPriceWei collateral price on LendingVault.
| Lender | Available IFR | Rate / Month | Action |
|---|---|---|---|
| Loading offers… | |||
How It Works
1
Lender creates offer
Open the guided Lender Flow, connect wallet, choose amount, approve if needed, then create the offer. Offers are live; interest can accrue only if borrowing is activated and a borrower later repays.
Open the guided Lender Flow, connect wallet, choose amount, approve if needed, then create the offer. Offers are live; interest can accrue only if borrowing is activated and a borrower later repays.
2
Future borrower path — currently disabled
Borrower selection and collateral posting remain unavailable while
Borrower selection and collateral posting remain unavailable while
ifrPriceWei = 0. Activation requires a separately audited price path and controls.3
Future repayment path — currently disabled
IFR receipt, repayment and collateral return apply only if borrowing is activated in a future audited design. The V1 contract's configured interest split is 50% lender and 50% protocol.
IFR receipt, repayment and collateral return apply only if borrowing is activated in a future audited design. The V1 contract's configured interest split is 50% lender and 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% | Externally callable — liquidator gets 5% bonus |
Contract Addresses
| LendingVault (Mainnet) | 0x974305Ab0EC905172e697271C3d7d385194EB9DF |
| IFR Token | 0x77e99917Eca8539c62F509ED1193ac36580A6e7B |
| Owner | Governance (TreasurySafe 3-of-5) |