Lending Market
P2P IFR Lending — Browse Offers, Borrow, Earn Interest
Market Stats
Total Available
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Total Lent
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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. Earn interest when borrowers repay.
Open the guided Lender Flow, connect wallet, choose amount, approve if needed, then create the offer. 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) |