Cash for now.
Your choice later.
Borrow USD1 against tokenized stocks and memes on BNB Chain. Fixed cost, fixed term, one lender.
No liquidation. Nothing can touch your collateral before expiry — no oracle, no margin call, no keeper. At expiry, you choose.
An example · 7 days
12.5 NVDAx
Collateral worth 2,280 USD1
You receive
2,041.74USD1
Fixed cost: 10.26 USD1 · 0.50% for 7 days
Still at stake: 12.5 NVDAx. If you walk away, the lender keeps it.
Illustration before the 1% protocol fee. Actual terms are the ones the borrower sets.
One deal. Three steps.
Choose your collateral
Set what you want back — the cap — and a term of 7 or 21 days. The escrow happens in the same transaction.
A lender funds it
One lender pays your asking price. The USD1 is yours the moment they do.
Decide at expiry
Pay the cap and take the collateral back, or keep the USD1 and let it go. Both are fine.
At expiry · the fork
Two ways out. Neither one is a liquidation.
Reclaim
You pay the cap. The collateral is credited straight back to you, in full, in the same transaction.
Available from the moment the deal is funded — early reclaim costs the same cap, and the lender simply gets paid sooner. After expiry a 48-hour grace window keeps the door open, and it is yours alone.
Walk away
You do nothing. You keep the USD1, and the lender claims the collateral once grace has ended.
No penalty, no chase, no credit anywhere. The lender priced exactly this outcome when they funded you — it is the other half of the deal, not a failure of it.
Walking away by neglect is the real risk of the product. Reminders at 48, 24, 6 and 1 hours before expiry are part of listing, not an opt-in.
The lending side
Reading the vault…
Yearly figures are simple and uncompounded, and assume an identical deal repeats for a year. None will. Every deal is its own fixed cost for its own term, and a borrower who walks away leaves you holding an asset that can move — including to zero.
Collateral
Four lanes. One set of rules.
Stocks
90%Tokenized equities and ETFs from xStocks and Ondo Global Markets. BNB Chain carries more of them than any other chain.
Memes
70%Four.meme graduates and BNB majors that clear the screen. Tighter caps, more facts on the lender's panel.
BNB eco
90%BNB, CAKE and the allowlisted majors of the chain. Deep pools, the widest per-deal maximums.
LP positions
90%PancakeSwap Infinity CLAMM position NFTs. Both currencies and any accrued fees stay with the position.
Caps shown are the interface's suggestion, not an enforced limit — the borrower sets the cap. Per-deal maximums are 2% of pool depth (1% for memes) and are enforced by the registry.
Have USD1? Fund a deal.
Fund a listing at its asking price and earn a fixed return if the borrower reclaims.
You may end up holding the collateral instead of USD1. That is the trade.
The details, when you need them
What happens at expiry?+
Nothing automatic. The deal sits in one on-chain state and the clock decides what you can do with it. Before expiry the borrower may reclaim. After expiry there is a 48-hour grace window in which the borrower still may and the lender may not. Once grace ends the lender can claim — and the borrower can still reclaim right up until a claim actually executes.
What can I use as collateral?+
Anything the registry allowlists: tokenized stocks and ETFs, BNB-eco majors, screened memes, and PancakeSwap Infinity CLAMM position NFTs. Each asset carries its own minimum, per-deal maximum and open cap, all set against pool depth.
Is there really no liquidation?+
There is no liquidation function in the vault. The contract does not read a price, does not call an oracle, and has no keeper that can seize an escrow. A 50% drawdown mid-term changes nothing about your deal. What it changes is whether you want to pay the cap at the end.
What about rewards?+
Both sides of every deal earn sVIA. It arrives locked and unlocks on a quadratic curve across the term — flat at first, then lifting. Each week has a budget per term and it can run out. Emissions run 52 weeks, each 10% smaller than the last, and then they end.
Who can change things?+
The vault has no owner and no upgrade path — settlement, escrow and withdrawal rights are fixed in the deployed bytecode. The registry has an owner who can move allowlists, limits, terms and the fee, each inside a bound compiled into the contract. Pausing touches listing and funding only: cancel, reclaim, claim and withdraw can never be paused.
Why BNB Chain?+
Because the collateral is already here. BNB Chain carries more tokenized equity supply than any other chain, and the meme lane has been native to it for years. PancakeSwap Infinity gives us the singleton, flash accounting and hooks the reward layer needs. Everything the protocol depends on is on one chain, with one-cent gas.