ANDORA
Deposit your stock tokens.
Connect a self-custody wallet on Robinhood Chain and deposit NVDA, SPY or any listed stock token. Each one sits in its own isolated market as collateral.
Borrow USDG.
Borrow up to the market's max LTV. Your health factor shows how safe the loan is: above 1.0, it can't be liquidated.
Repay. Withdraw. Keep the upside.
Interest accrues continuously. Repay any amount at any time, then withdraw your stock tokens back to your wallet. No lock-ups.
Pick your collateral.
Every stock and ETF is its own isolated market, with its own borrow rate and loan limit.
Two sides. One market.
Borrowers unlock cash from their stocks. Lenders earn the interest they pay.
Borrower
- Get USDG without selling NVDA, TSLA or SPY
- Stay exposed if the stock keeps climbing
- Repay any time. No fixed term, no lock-up
- Each stock is isolated from your other loans
Lender
- Deposit USDG into a curated vault
- Blue Chip, Mega Cap or High Beta: pick your risk
- Earn the interest borrowers pay, minus a fee
- Withdraw whenever the vault has idle liquidity
Two sides. One market.
Tap a side. Borrow against your stocks, or lend idle USDG and earn.
- Get USDG without selling NVDA, TSLA or SPY
- Stay exposed if the stock keeps climbing
- Repay any time. No fixed term, no lock-up
- Each stock is isolated from your other loans
Built for stocks.
Equities don't trade like crypto. The protocol is designed around how they actually move.
Each stock token has its own market and loan limits. If one name crashes, bad debt stays in that market.
Collateral is valued with Chainlink price feeds, not a thin onchain pool that one big trade can move.
Tokens trade around the clock, but the US market keeps its hours. Prices can gap at the open, so max LTV sits well below liquidation.
No custodian holds your collateral. LTV limits and liquidation penalties are published for every market.
Rates, in the open.
No subscriptions and no deposit fees. Here is what borrowing and lending actually cost.
Set by utilization: how much of a market's USDG is borrowed. Past 90%, the rate climbs fast to pull in lenders.
- ✓No origination fee
- ✓Interest accrues continuously
- ✓10% of interest goes to the protocol reserve
Riskier stocks get lower borrow limits and a bigger penalty if a position is liquidated.
| Tier | Max LTV | Liq. LTV | Penalty |
|---|---|---|---|
| Index ETFs | 70% | 77% | 4% |
| Mega caps | 60% | 70% | 5% |
| High beta | 50% | 62.5% | 7.5% |
- ✓Vaults take 10–15% of the interest they earn
Questions, answered.
A token on Robinhood Chain that tracks the price of a US stock or ETF, like NVDA or SPY. You hold it in your own wallet and can move it 24/7. It gives you price exposure, not shareholder voting rights.
Global Dollar, a US dollar stablecoin issued by Paxos. It is what borrowers receive and what lenders deposit into vaults.
A number that shows how safe your loan is: collateral value times the liquidation LTV, divided by your debt. Above 1.0 you are fine. Below 1.0, anyone can repay part of your loan and take some of your stock tokens, plus a penalty.
Stock tokens keep trading onchain, but the underlying stocks don't. Prices can jump when the market reopens, so keep your health factor well above 1.0 over weekends and holidays.
Anyone with a self-custody wallet where stock tokens are offered. They are not available in the US, Canada, the UK, Switzerland, the UAE or sanctioned regions.
No. There is no account and no custodian. Your collateral sits in smart contracts, and only your wallet can withdraw it, unless the position is liquidated.
Smart contract bugs, oracle failures and sharp price gaps can all cause losses, including liquidation. Only deposit what you can afford to lose.
Ready?
Borrow against your stocks or earn on idle USDG. Connect a wallet on Robinhood Chain and start in a minute.