Lending Market
P2P IFR Lending (V1, retired) — read-only view of remaining offers
Retired — LendingVault V1
V1 retired by owner decision (3 October 2026): borrowing stays disabled (ifrPriceWei = 0, no activation planned or authorized) and lenders are withdrawing their offers; those IFR are not lost. No V2 is planned until a reviewed price source exists.
No new offers are invited. Existing lenders withdraw unlent IFR with withdrawOffer on the LendingVault page.
Market Stats
Total Available
—
Total Lent
—
Current Rate
—
Active Loans
—
Remaining Lending Offers
Offers still held in the retired LendingVault V1, shown read-only. Borrowing stays disabled (ifrPriceWei = 0); lenders withdraw these balances with withdrawOffer.
| Lender | Available IFR | Rate / Month | Action |
|---|---|---|---|
| Loading offers… | |||
How It Works
1
Existing lenders withdraw offers
V1 is retired and no new offers are invited. Lenders with an existing offer open the LendingVault page, connect the lender wallet and withdraw unlent IFR with
V1 is retired and no new offers are invited. Lenders with an existing offer open the LendingVault page, connect the lender wallet and withdraw unlent IFR with
withdrawOffer; those IFR are not lost. No interest accrues because borrowing stays disabled.2
Borrower path — disabled (V1 retired)
Borrowing stays disabled (
Borrowing stays disabled (
ifrPriceWei = 0, no activation planned or authorized). No V2 is planned until a reviewed price source exists.3
Repayment path — not applicable (V1 retired)
V1 has no loans, and no loans can be opened. For reference only: the V1 contract's configured interest split is 50% lender and 50% protocol.
V1 has no loans, and no loans can be opened. For reference only: the V1 contract's configured interest split is 50% lender and 50% protocol.
Interest Rate Curve
V1 contract parameters, for reference only (V1 is retired; borrowing stays disabled). Rates increase with utilization.
| 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) |