Post collateral
Approved tokens sit in the contract — visible on-chain, never rehypothecated, released the moment you repay.
LIVE ON ROBINHOOD CHAIN
Liquidity without selling your bag.
Borrow dollars against the tokenized stocks and crypto you already hold. Market-set rates, on-chain credit, and collateral that never leaves the protocol.
~12sto funding
1.2–2.5%monthly rates
12markets
RUNS ON
Robinhood Chain
Arbitrum
Chainlink
HOW IT WORKS
Three moves. That's the protocol.
Borrow USDG
Lenders compete to fund you. Utilization moves rates block by block, so you always pay the market price.
Repay on your terms
Partial or full, whenever. Keepers clear positions that cross their line, so the market stays solvent.
LIVE MARKETS
All 12 markets
Borrow against what you already own
EVERY LOAN PAYS
Pick your side of the trade
Borrow
Instant loans against HOOD, ETH and tokenized stocks. Keep your upside, spend the dollars, repay whenever.
1.2%/morates from
Lend
Supply USDG, earn from every active loan.
11.4%est. APY
Keep
Run a keeper, clear risky positions, earn bounties.
20%of fees
No origination fees
The quoted rate is the entire cost. Nothing hidden in the fine print.
Auto-repay exits
Set a target price at open. Collateral hits it, the loan closes itself and returns the rest.
Partial everything
Repay in pieces, top up, resize. Positions bend before they break.
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
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
})
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.
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 |
FOR LENDERS
Pick your risk. Pick your payout.
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.
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.