YFI · CREDITProposal byOWN

Borrow without selling YFI.

Lock YFI, receive stablecoins, and repay through fixed monthly installments. With no liquidation risk from price volatility.

LTV
50%
Fixed APR
7%
Term
5 years

Enter one amount to join the non-binding borrower signup.

YFI collateral required
$200,000
≈ 90.54 YFI
Monthly payment
$1,980.12
Interest over 5 years
$18,807
Total repayment
$118,807
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How it works?

Yearn supplies stablecoins; holders borrow against YFI and return principal plus interest over time.

  1. 01 · Fund

    Yearn commits stablecoins

    A defined amount is allocated from the treasury.

  2. 02 · Secure

    Borrower locks YFI

    The borrower posts YFI worth twice the loan.

  3. 03 · Release

    Stablecoins arrive

    The borrower receives liquidity without selling YFI.

  4. 04 · Repay

    Payments return

    Fixed principal and interest flow back each month.

  5. 05 · Unlock

    YFI is reclaimed

    The final scheduled payment unlocks the collateral.

Borrower condition: missed repayments will result in loss of the locked collateral.

What we’re proposing to Yearn.

  1. Allocate stablecoins

    Yearn would open a lending facility offering fixed-rate loans to YFI holders.

  2. Lend against YFI

    Borrowers would lock YFI worth twice the loan and repay monthly over five years.

  3. Return capital and interest

    Scheduled repayments would return principal and interest to the Yearn treasury.