Lock your stock tokens as collateral. Borrow stablecoins instantly. Keep your upside. No selling. No brokers. No KYC. Onchain.
From collateral to cash in under a minute. Fully onchain, fully transparent.
Lock AAPL, MSFT, NVDA, or any supported stock token into the lending contract. Your position stays yours — you keep all price upside.
Instantly mint stablecoins against your collateral at up to 70% LTV. No credit check. No paperwork. The loan is yours in seconds.
Pay back the loan plus interest whenever you want — no maturity date. Once repaid, your stock tokens are unlocked and returned to your wallet.
The first lending protocol built specifically for tokenized equities.
Your stocks stay in the contract. If AAPL doubles, your position doubles. You never sell. You never miss the rally.
Every loan, every collateral deposit, every liquidation — visible on the Robinhood Chain explorer. No hidden reserves. No opaque oracles.
No approval process. No waiting period. Deposit collateral, receive stablecoins in the same transaction. Capital when you need it.
If your collateral ratio drops below the threshold, the contract liquidates automatically — protecting lenders and the protocol. No manual margin calls.
Your wallet is your identity. Anyone, anywhere in the world can borrow against stock tokens. No bank account. No credit history. No gatekeepers.
Variable interest rates starting at 3.5% APR. Rates adjust based on pool utilization — borrow more when liquidity is high, pay less.
Tokenized equities on Robinhood Chain. More markets added weekly.
Each loan has a health factor based on your collateral value versus your borrowed amount. As long as your health factor stays above 1.0, your position is safe.
If your stock collateral drops in value and your health factor falls below 1.0, the protocol automatically liquidates a portion of your collateral to repay the loan. You keep the remaining collateral and the stablecoins you borrowed.
No margin calls. No phone calls. The contract handles everything transparently onchain.
No. Your stock tokens remain in the lending contract, but they still belong to you. If the stock price goes up, your collateral is worth more. You only lose collateral if you fail to repay and the position gets liquidated.
If your loan-to-value ratio exceeds the liquidation threshold (typically 75-83% depending on the asset), the contract automatically sells a portion of your collateral to repay part of the loan. This brings your position back to a safe ratio. You keep the remaining collateral.
The minimum loan is 100 USDC. There is no hard maximum — the maximum depends on the available liquidity in the lending pool and the value of your collateral.
Interest rates are variable and based on pool utilization. When the pool has plenty of liquidity, rates are low. As utilization increases, rates rise to incentivize repayments and new deposits. Rates update in real-time onchain.
Yes. There are no lockup periods or early repayment fees. Repay the loan plus accrued interest at any time, and your stock tokens are immediately unlocked and returned to your wallet.
Lien is built on Robinhood Chain — an Arbitrum Layer-2 with native stock token support. This gives us low gas fees, fast finality, and direct integration with tokenized equities. No bridging required if your stocks are already on RHC.
No. Lien is a fully onchain protocol. Your wallet is your identity. There are no credit checks, no identity verification, and no geographic restrictions. Anyone with an EVM wallet can use it.
Stock prices are sourced from Chainlink price feeds deployed on Robinhood Chain. These feeds aggregate data from multiple premium data providers and update in real-time, ensuring accurate and manipulation-resistant valuations.
Stop selling to get cash. Borrow against what you already own.