The Lending Desk · Robinhood Chain
Need cash?
Put your stonks to work.
Borrow USDG against tokenized stocks and Stonkbroker NFTs. Pick your terms. A lender picks your loan.
- Fixed interest — never variable
- No price liquidations, ever
- One lender funds 100%
- 6-hour grace period on every loan
Open for Business
On the Board
Loans posted by borrowers, waiting for a banker. Fund one and you are the bank.
How Borrowing Works
- 1Lock collateralDeposit tokenized stock or an approved Stonkbroker NFT.
- 2Name your termsChoose how much USDG you want and one of four fixed terms.
- 3Wait for a bankerYour offer sits on the board until a lender funds all of it.
- 4Repay and collectPay principal plus the fixed interest before the deadline.
How Lending Works
- 1Browse the boardEvery offer shows collateral, LTV, term and your net yield.
- 2Check the collateralThe price is re-validated on chain the moment you fund.
- 3Fund 100%Partial funding does not exist. One loan, one lender.
- 4Get repaid — or collectPrincipal plus 90% of interest, or the collateral itself.
Fixed Rates
The Rate Board
Interest is fixed by term and does not accrue. A 10-day loan owes the full 0.85% whether you repay after an hour or after nine days.
The Rate Board
Open3 Days
0.15%
LENDER NET 0.135%
5 Days
0.35%
LENDER NET 0.315%
10 Days
0.85%
LENDER NET 0.765%
14 Days
1.50%
LENDER NET 1.350%
FIXED RETURN IF REPAID · NOT AN APY · INTEREST DOES NOT ACCRUE
Worked example
10,000 USDG on a 10-day term at 0.85%:
Expected if repaid. A defaulted loan pays no interest at all.
Collateral Vault
What You Can Pledge
Tokenized Stocks
AAPL, AMZN, NVDA, MSFT, TSLA and other approved tokenized RWA assets.
80%
maximum loan-to-value
Stonkbroker PFPs
Approved Stonkbroker profile pictures, valued at the collection floor.
70%
maximum loan-to-value
On the Books
Protocol Stats
Every figure below is computed from indexed on-chain events.
Loans originated
0
Total funded
0 USDG
Open offers
0
Active loans
0
Paid in full
0
Defaulted
0
Lender interest earned
0 USDG
Average LTV
0.0%
Recent Loans
The last few tickets to move on the desk
Nothing on the books yet
Once loans start moving they will show up here.
Default Desk
What Happens If Nobody Repays
After the term plus a six-hour grace period, the borrower can no longer repay and the lender may claim the collateral.
Tokenized stock defaults
Taken from the actual token quantity — 100 NVDA becomes 99 for the lender and 1 for the treasury. Never recalculated in dollars.
NFT defaults
The whole NFT goes to the lender. The protocol takes no share of the collateral — only the standard 0.001 ETH protocol fee to claim.
Banker's Notes
Read the Fine Print
Prices do not liquidate you
Interest is fixed, not accrued
Miss the deadline and the collateral is gone
Charged on create, cancel, fund, repay and claim. Separate from network gas.