New isolated market

Open your own market.

Choose your memecoin, set permanent lending terms, and provide the starting USDC. Review everything before creating your market.

01 / Configure · 02 / Review · 03 / Fund

Make the terms your own.

Borrower Friendly settings loadedReview and change them below. Nothing is submitted until you review the terms and approve it in your wallet.

Borrow and lendUSDCFixed protocol loan asset

CollateralYour memecoinSelected by mint address below

Market nameA public display name recorded with the market creation transaction. The token / USDC pair and immutable address remain visible underneath.

Memecoin collateral mintToken-2022 is supported. Metadata and token-group extensions are allowed; extensions that can change balances, fees, transfers, or liquidation behavior are rejected.

Liquidation LTV

Borrowing rate termsThe creator chooses what borrowers pay. Lender returns are not guaranteed: they depend on how much USDC is borrowed, fees, repayments, liquidity, and market losses. These terms cannot be edited after launch.

Starting borrow APR (%)The yearly rate when almost none of the supplied USDC is borrowed.Target utilization (%)The point where the pool is considered busy—for example, 80 USDC used out of 100.Borrow APR at target (%)What borrowers pay yearly when USDC usage reaches the target above.Maximum borrow APR (%)The highest yearly rate allowed when nearly all available USDC is borrowed.Increase above targetHow quickly borrowing becomes more expensive after the pool passes its target.

Exact immutable curve preview

USDC used	Borrower APR	Estimated lender APR
0%	1%	0% variable
25%	3.647%	0.774% variable
50%	6.294%	2.674% variable
75%	8.941%	5.699% variable
90%	40%	30.6% variable
100%	100%	85% variable

Calculated with the exact integer formula used on-chain. Estimates are APR, not compounded APY.

Who receives borrower interest

Market creator10%

Protocol5%

USDC lenders85% variable

Fees apply to borrower interest. Starting USDC is a lender deposit; it remains exposed to defaults and liquidity risk.

Market borrow cap (USDC)Permanent ceiling on total outstanding USDC debt in this isolated market. This limits aggregate exposure; it is not the amount of liquidity supplied.

Wallet borrow cap (USDC)Permanent maximum USDC debt for one wallet. It must not exceed the market cap and does not prevent one person from using multiple wallets.

Initial USDC liquidityCreation and starting liquidity are separate transactions. After creation is confirmed, open your market and lend this USDC amount. Until then, the market is unfunded.

Your market, at a glance

Market name: Not entered
Starting liquidity: Not entered USDC
Liquidation LTV: 50%
Market / wallet debt caps: — / — USDC
Borrow APR: start / target / maximum: 1% / 10% / 100%
Target utilization: 85%
Interest split: 85% lenders · 10% creator · 5% protocol
Creation network fee: Checked before wallet approval

Terms are permanent. Separate SOL rent is needed for new accounts. Interest splits apply to borrower interest, not the starting deposit. Starting USDC remains at risk as a lender position.