05Borrow

Credit against the claim. Shipped as an interface, not yet as a market.

Phase IIParameters TBD
Borrow
Phase IIIllustrative
vPILE
Denominated in your own units — no price feed is applied
Loan to value50%
10%Illustrative range80%
Borrowable · illustrative
Coming in Phase IIWETH
Health factorComing in Phase II
Liquidation LTVTBD
Interest APRTBD
Origination feeTBD
Debt assetWETH
NetworkRobinhood Chain

The health factor above is computed from your inputs and an illustrative liquidation threshold 10 points above your chosen LTV. It is a calculator, not a protocol parameter.

Lending ships after the Stockpile. Parameters are published for review before the module is built.

Why lending comes second

A redeemable claim is unusually good collateral. That is the whole thesis.

vPILE has an intrinsic value that can be enforced by anyone: burn it, receive assets. A liquidator therefore has a guaranteed exit that does not depend on market depth, which is the property that makes conservative lending against it plausible. It also means a lending market inherits every oracle and valuation risk the Stockpile carries, which is why it is not part of the first deployment.

CollateralvPILE
Debt assetWETH
Liquidation routeRedemption
Lending parameters
Not set
Maximum LTVTBD
Liquidation LTVTBD
Liquidation penaltyTBD
Interest APRTBD
Origination feeTBD
Minimum health factorTBD

None of these has been ratified. They are listed so the shape of the module is public and reviewable, and so the calculator can never be mistaken for policy.

What ships first
  1. IStockpileTokens, wrapper, reserve engine, redemption.
  2. IAccountingFee routing, acquisitions, indexer.
  3. IILendingCollateral, borrowing, liquidations.
Lending documentation