Give your oath.
Get your cash.
Pledge tokenised stocks, swear a cost and a date, and borrow USDG. Nothing can touch your collateral before that date. On the date, you decide: pay to reclaim, or walk away. Lenders earn the fixed cost, or keep the stock.
One deal. Three moves.
Choose a stock token, how much USDG you want, what you will pay to get it back, and a date: 7, 14 or 30 days. Or take a standing offer and skip the wait.
Lenders fill your ask in any size from 10% up. When it is full, the USDG lands in your balance. Until then you can cancel and lenders can pull out.
Before the date: pay the cap and the stock returns. Or sell your reclaim right to someone else. Or keep the USDG and let the lenders have the stock.
Walk away and the lenders keep the 12.5 NVDA. Reclaim and it comes straight back to your wallet. There is nothing in between: no price feed, no margin call, no liquidation bot.
No oracle. No margin call. No admin path to your funds.
The engine has no owner and no upgrade. Between funding and expiry there is no function anyone can call that moves your collateral.
The cap never grows. A 0.5% deal for 7 days costs 0.5%, whether you repay in an hour or on the last minute.
Lenders fund from 10% up, in any amount, so listings fill faster and lenders spread across more deals.
Lenders post the price per share, cost and term they want. Borrowers take them and are funded in one transaction.
Sell your reclaim right or your lender share inside the engine for a 0.5% fee. Rewards, risk and rights all move with it.
Add collateral to a live deal to reassure your lenders. Nothing else about the deal changes.
Two ways to be the lender.
One deposit. The vault buys pieces of curated deals and books each outcome explicitly. Share price rises as caps are paid. Withdraw any time from free liquidity. Performance fee only on realised profit.
Start earning →Pick the deal and the size. Or post a standing offer at your own price and let borrowers come to you. The fixed cost returns at reclaim. If the borrower walks away, you hold the stock.
See the market →Common questions
What happens at expiry?+
Repayment closes the second the term ends. From that second any lender, or anyone at all, can trigger the claim that splits the collateral among the lenders pro-rata. Until then only the reclaim-right holder can move the collateral, and only by paying the cap.
What can I use as collateral?+
Stock tokens issued on Robinhood Chain (NVDA, AAPL, TSLA, SPY and more) and WETH. The registry lists each token with a minimum size. Suggested cap: up to 85% of value for stocks, lower for volatile names. The registry can add tokens, never touch deals.
Is there a token or rewards?+
No token. Oath charges a 1% origination fee and a 0.5% fee on secondary sales, and that is the whole business model. No emissions, no drips, no unlock schedules.
What do I need to start?+
A wallet on Robinhood Chain with a little ETH for gas, plus USDG to lend or earn, or stock tokens to borrow.