Borrow
Instant loans against HOOD, ETH and tokenized stocks. Keep your upside, spend the dollars.
Rates from1.2%/mo
Learn more
Tokenized stocks are live as collateral
→
Liquidity without selling your bag.
Borrow dollars against the tokenized stocks and crypto you already hold on Robinhood Chain. Market-set rates, on-chain credit, and collateral that never leaves the protocol.
12 collateral markets — tokenized stocks & crypto
Runs on
Robinhood Chain
Arbitrum
Chainlink
~12smedian time to funding
1.2–2.5%monthly borrow rates
0origination fees
100%on-chain & verifiable
Live markets
All 12 markets
Borrow against what you already own
HOODRobinhood
$40.10+3.4%
LTV up to 70%
AAPLxApple
$233.20-0.4%
LTV up to 80%
TSLAxTesla
$412.88+3.8%
LTV up to 65%
NVDAxNVIDIA
$172.40+1.9%
LTV up to 75%
ETHEthereum
$4,180+1.1%
LTV up to 80%
MSFTxMicrosoft
$521.06+0.6%
LTV up to 80%
WBTCBitcoin
$118,240+0.8%
LTV up to 80%
SPYxS&P 500
$687.90+0.3%
LTV up to 85%
A lending market that pays every side. Loov lets you post tokenized stocks or crypto as collateral, borrow in seconds, and earn protocol revenue as a lender — all while positions stay on-chain, fully visible, under the protocol's collateral and liquidation rules.
01 — Every loan pays
Pick your side of the trade
Lend
Supply USDG to earn yield from every active loan. Withdraw whenever pools allow.
Est. APY11.4%
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Keep
Run a keeper. Clear risky positions automatically and earn bounties on liquidations.
Keeper bounty20% of fees
Learn more
02 — Under the hood
How Loov works
Real collateral backs every loan
Post approved tokens, borrow up to your chosen LTV. Collateral sits in the contract — visible on-chain, never rehypothecated, released the moment you repay.
The market sets the rate
Lenders compete to fund your loan. Utilization moves rates block by block, so borrowers pay the fair price and suppliers earn every basis point of it.
Keepers keep it honest
If a position drifts past its liquidation line, keepers clear it and split the bounty with the pool. Lenders get insurance; keepers get paid; the market stays solvent.
03 — Builders
Open infrastructure. No gatekeepers.
Anything the app can do, your code can do. Every market, loan and score is a public contract on Robinhood Chain — build on it without asking anyone.
Permissionless loans
Open a loan from any wallet or contract. No allowlists, no API keys, no regional walls — the chain is the interface.
On-chain credit data
Scores and repayment history are readable by anyone. Underwrite your own users with Loov data, free.
borrow.ts — chain 4663
import { Loov } from '@loov-fi/sdk'
const loov = await Loov.connect(signer)
const loan = await loov.borrow({
collateral: 'HOOD',
amount: 2_500, // USDG
ltv: 0.5,
exit: { price: 44.20 }, // auto-repay
})
04 — Plan the whole trade
Borrow now. Set the exit too.
Auto-repay on price
Set a target when you open the loan. If your collateral hits it, Loov sells just enough to repay and returns the rest — you take profit and close debt in one move, even while you sleep.
Repay from yield
Route staking rewards or LP fees straight into your loan. Positions that pay themselves down drift further from liquidation every block.
05 — Don't mix them up
Compared to the alternatives
 Loov loan |
Selling | Margin loan | |
|---|---|---|---|
| Keep your upside | Yes — bag stays yours | No, position closed | Yes, but custodied |
| Time to dollars | ~12 seconds | Instant, minus slippage | Hours to days |
| Approval | One signature | None | KYC + review |
| Custody | On-chain contract | — | Broker account |
| Builds credit | Loov Score, portable | No | Internal only |
06 — Live, on-chain
The protocol in numbers
$0KTotal value locked
0Loans funded
0Collateral markets
$0KSupplied by lenders
LoanCollateralRateStatus
2,500 USDG1.4 ETH1.3%/moActive
840 USDG38 HOOD1.6%/moActive
12,000 USDG96 NVDAx1.2%/moRepaid
4,200 USDG21 TSLAx2.4%/moActive
07 — Why Loov
Everything you'd want. Nothing you wouldn't.
Non-custodial
Your keys sign everything. The contract can enforce the rules of your loan — nothing else.
Transparent pricing
One rate, quoted upfront. No origination fees, no spreads hidden in the fine print.
Partial everything
Repay in pieces, top up collateral, resize the loan. Positions bend before they break.
Small haircuts
Keepers clear only what's needed. Most liquidations touch a fraction of the position.
Audited & open
Every line of the contracts is public and audited. Verify, don't trust.
Composable by default
Loans are just contracts. Wrap them, automate them, build products on top.
08 — For lenders
Pick your risk. Pick your payout.
Three pools, one dial. Senior money gets paid first; junior money gets paid most.
Senior tranche. First claim on repayments, blue-chip collateral only.
The default. Diversified across every market, weighted by score.
Junior tranche. First-loss capital on long-tail collateral, paid accordingly.
Targets are estimates from current utilization, not guarantees. Junior tranches can lose principal — read the risk docs.
09 — Answers
What you'll want to know
What happens if my collateral drops?
Your position has a liquidation price shown before you sign. If the oracle price crosses it, keepers repay part of your debt by selling just enough collateral, plus a bounty. Top up collateral or repay early any time to move the line.
Who sets the interest rate?
The market does. Each pool's rate follows utilization — more borrowing demand, higher rates; idle liquidity, lower rates. Your Loov Score then applies a personal discount on top.
Can I really use tokenized stocks?
Yes. Any tokenized equity live on Robinhood Chain with a reliable oracle feed can be listed as collateral — AAPLx, TSLAx, NVDAx and the rest borrow just like ETH does.
What is the Loov Score exactly?
A 300–850 number derived purely from your on-chain repayment history: loans repaid, on-time streaks, sizes, and age. No off-chain data, no identity. It lives in a contract your wallet owns.
Is lending safe?
Loans are overcollateralized and cleared by keepers, and the senior tranche is paid first — but smart-contract and market risk are real. Never supply more than you can afford to lose.
What does it cost?
Borrowers pay the quoted rate — that's it. 80% flows to lenders, 20% funds keeper bounties and the insurance pool. No deposit, withdrawal, or origination fees.
Your bags. Your liquidity.
Open your first loan in under a minute. No forms, no waiting, no selling.