Name your rate.
Borrow in seconds.
Peer to peer loans on Solana. Lenders post offers in SOL, USDC or USDT and set their own rate, term and collateral. Borrowers lock SOL, stablecoins or tokenized stocks and get the loan at once.
Collateral in [SOL]
Stocks, stablecoins and SOL.
Stocks, stablecoins and SOL.
Why most crypto loans come from a pool nobody chose.
The
Pool Problem
Your terms on [SOL]
Not an algorithm's.
Not an algorithm's.
Rates you did not set
Pool lenders take whatever rate a utilization curve hands them, and it moves every block. Borrowers pay whatever it moves to.
Nobody gets to price their own risk, pick their own term or decide who they lend to.
Nobody gets to price their own risk, pick their own term or decide who they lend to.
Collateral lists you cannot change
Pools accept a short list of assets picked by governance, with one LTV for everyone who borrows against them.
Hold tokenized stocks, or anything else off that list, and there is nowhere to borrow against it.
Hold tokenized stocks, or anything else off that list, and there is nowhere to borrow against it.
Terms that move under you
Floating rates and shared liquidation rules mean the loan you opened is not the loan you hold a month later.
There is no fixed term, so neither side knows what the deal was until it is over.
There is no fixed term, so neither side knows what the deal was until it is over.
Lenders Set The Terms. Borrowers Pick The Offer.
Every offer is a fixed deal: an amount, a rate, a term and the collateral it takes.
Middle Buddy sits in the middle of every loan. Lenders post offers in SOL, USDC or USDT with their own APR, term and accepted collateral. Borrowers lock collateral the lender accepts and receive the loan at once. The terms are fixed when the loan opens, and a keeper enforces them until it closes.
01
Lend On Your Terms
Set the APR, the term and the smallest loan you will make.
Lend SOL, USDC or USDT for anything from a day to ten years, at whatever rate you think the risk is worth.
Lend SOL, USDC or USDT for anything from a day to ten years, at whatever rate you think the risk is worth.
02
Borrow Against Anything Listed
SOL, stablecoins and 18 tokenized stocks all work as collateral.
Lock collateral the lender accepts and the loan lands in your balance in the same request. Nobody has to be awake to approve it.
Lock collateral the lender accepts and the loan lands in your balance in the same request. Nobody has to be awake to approve it.
03
Enforced Without Anyone
Past due, or past the liquidation LTV, the collateral goes to the lender.
A keeper checks every open loan every minute against live prices, so nobody has to chase a repayment or argue about a margin call.
A keeper checks every open loan every minute against live prices, so nobody has to chase a repayment or argue about a margin call.
What every offer sets:
Once a loan opens none of it changes, so both sides know the deal up front.
The asset you lend
[ asset ]
Your APR
[ rate ]
The term, 1 to 3,650 days
[ term ]
Set the APR, the term and the smallest loan you will make.
Lend SOL, USDC or USDT for anything from a day to ten years, at whatever rate you think the risk is worth.
[ collateral ]
A max LTV for each asset
[ ltv ]
The smallest loan you will make
[ minimum ]
Browse every open offer before you connect anything. You only sign in when you borrow or lend.
See open offers
See open offers
Everything A Loan Includes
Settled on
[SOL]
Deposits and payouts on mainnet
[SOL]
Deposits and payouts on mainnet
01
Offers From Real Lenders
An order book of fixed offers, not a pool.
Every open offer shows its asset, how much is left, the APR, the term and the collateral it accepts. Filter by what you want to borrow and take the one that fits.
Every open offer shows its asset, how much is left, the APR, the term and the collateral it accepts. Filter by what you want to borrow and take the one that fits.
read more
read more
02
A Rate That Never Floats
Simple interest, charged by the second.
The APR is fixed for the life of the loan. Interest accrues every second, so repaying early costs less, and nobody's rate moves because someone else borrowed.
The APR is fixed for the life of the loan. Interest accrues every second, so repaying early costs less, and nobody's rate moves because someone else borrowed.
read more
read more
03
Tokenized Stocks As Collateral
Borrow against TSLAx, NVDAx, SPYx and 15 more.
Backed xStocks are accepted alongside SOL, USDC and USDT. Each lender sets their own max LTV per stock, so volatile names can carry tighter terms.
Backed xStocks are accepted alongside SOL, USDC and USDT. Each lender sets their own max LTV per stock, so volatile names can carry tighter terms.
read more
read more
04
Prices You Can Check
Live prices from the deepest pools, never a single quote.
SOL and xStocks are priced from the median across every DexScreener pool with real liquidity, outliers dropped. A thin or paused market halts new loans against it instead of guessing.
SOL and xStocks are priced from the median across every DexScreener pool with real liquidity, outliers dropped. A thin or paused market halts new loans against it instead of guessing.
read more
read more
05
A Keeper That Never Sleeps
Liquidations and payouts run every minute.
Any loan past its due date or its liquidation LTV is closed and the collateral goes to the lender. Queued withdrawals are pushed through on the same run.
Any loan past its due date or its liquidation LTV is closed and the collateral goes to the lender. Queued withdrawals are pushed through on the same run.
read more
read more
06
Deposit And Withdraw
Your balance, back in your wallet whenever you want it.
Deposit from any Solana wallet with one signed transfer. Withdrawals always go to the wallet you signed in with, never an address typed in by hand.
Deposit from any Solana wallet with one signed transfer. Withdrawals always go to the wallet you signed in with, never an address typed in by hand.
read more
read more
What Every Loan Gets
21
Assets you can borrow against
1
min
Between keeper runs
3
,650
days
Longest term
95
%
Highest max LTV
Borrow Against Anything
7 steps
The Loan Process
[step 01]
Connect a wallet
Any Solana wallet the browser has. You sign one free message to prove it is yours, and no transaction is sent.
[step 02]
Deposit
Send SOL, USDC, USDT or an xStock from your wallet into your balance. It is credited as soon as Solana finalizes the transfer.
[step 03]
Post or pick an offer
Lenders set the amount, APR, term and accepted collateral. Borrowers filter the open offers and pick the one that fits.
[step 04]
Lock collateral
Choose how much to lock. You see your loan to value against the lender's max, live, before you confirm anything.
[step 05]
Get the loan
The lender's escrowed funds move to your balance in the same request. Withdraw them to your wallet whenever you like.
[step 06]
Repay any time
Principal plus interest to the second, paid from your balance. Your collateral comes straight back the moment you repay.
[step 07]
Or it closes itself
Miss the due date or cross the liquidation LTV and the keeper hands the collateral to the lender. No appeals and no surprises.
Keep your assets.
Borrow against them instead.
Selling a position to raise cash ends the position.
Lock it as collateral, take the loan, and get it back the moment you repay.
Lock it as collateral, take the loan, and get it back the moment you repay.
Borrow now
Borrow now
Your terms on
[SOL]
Not an algorithm's.
[SOL]
Not an algorithm's.
Frequently Asked Questions
What does it cost to borrow?
The APR the lender set, charged by the second, plus the Solana network fee on your deposit. No origination fee and no penalty for repaying early.
A PRICE FEED IS NOT A PROMISE.
Collateral prices move, and nobody can promise where they will be at the end of your term.
What we can tell you is the rate, the term and the liquidation line.
All three are fixed when the loan opens.
What we can tell you is the rate, the term and the liquidation line.
All three are fixed when the loan opens.
What is Middle Buddy?
Peer to peer lending on Solana. Lenders post offers in SOL, USDC or USDT with their own rate, term and accepted collateral, and borrowers take them by locking SOL, stablecoins or tokenized stocks.
read more
read more
Who holds the funds while a loan is open?
One Solana treasury holds every deposit and a ledger records who owns what. Your balance moves between available, locked in an offer and locked as collateral, and withdrawals are only ever paid to the wallet you signed in with.
read more
read more
What happens if my collateral drops?
Every lender sets a liquidation LTV for each asset they accept. A keeper checks open loans every minute against live prices, and if your LTV reaches that line, or the loan passes its due date, the collateral goes to the lender. A halted or thin price never triggers a liquidation.
read more
read more
Why not borrow from a lending pool?
You can. A pool sets one floating rate and one collateral list for everyone. Here each lender prices their own risk, fixes the rate for the whole term, and can accept assets like tokenized stocks that pools do not list.
read more
read more
Ready To Borrow?
Connect a wallet and go.
Browse the open offers, lock collateral the lender accepts, and the loan lands in your balance. Or post an offer of your own and name your rate.
Open the app
Open the app
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