Publish terms on each side. Match atomically. Own a fixed-rate loan.
Lender and borrower each publish rate, duration, collateral, and funding bounds.
Set your rate, duration, and collateral bounds. Idle principal earns yield through plug-and-play sources while it waits to match. Each loan is a discrete agreement with a named counterparty — another borrower's default never touches your position.
Lock a rate and term at match. Your obligation only — no repricing, no socialised bad debt, and no pool contagion when another position fails.
Fixed rate and maturity to match a term sheet, with one identifiable counterparty and a discrete claim to hold, transfer, or sell — not a floating-rate share of a shared pool. The same structure applies to tokenised real-world assets and crypto-backed credit.
Deploy your own vault and submit lender intents on behalf of depositors. Each match settles as its own isolated agreement — one strategy's fills never share risk with another.
Batch-settle compatible matches and earn borrower tips for the service. Curated solver set at launch, expanding as usage and safety evidence support it.
Can't find the answer you're looking for? We're here to help.
Essays and protocol notes on X.
Get in touchMost lending protocols use floating pool rates with risk shared across a market — socialised bad debt, no named counterparty, and borrowing costs that move with utilisation. Fixed-rate alternatives often gate access or set price through curators, auctions, or solvers, with isolation still tied to a shared pool. Pearcurve locks rate and term up front, isolates each agreement so defaults do not socialise, and matches counterparties without gatekeepers.