General

Self-repaying stablecoin loans

What is Vaultedge?

Vaultedge is a decentralized borrowing protocol that enables users to borrow against their entire portfolio of assets.

Loans are paid out in veUSD, a USD-pegged stablecoin, and require a minimum Health Factor, which varies per asset but can be as low as 100.5%.

Vaultedge will support borrowing against:

• Blue-chip assets (e.g., WETH, WBTC, USDC, USDT, LYNX)

• Staked assets (e.g., wsETH)

• Liquidity Provider (LP) tokens

• Voting Escrow (VE) tokens

• Real world assets (RWAs)

The veUSD stablecoin is decentralized, over-collateralized, and backed by the value of users' collateral positions.

The only way to mint veUSD is by depositing collateral into the Vaultedge protocol.

Vaultedge is decentralized and completely non-custodial.

How does Vaultedge work?

Users deposit whitelisted crypto-assets (e.g., veLYNX) as collateral into a smart contract called Vault, allowing them to mint veUSD stablecoin.

In order to avoid liquidation, vaults must maintain a required Health factor (HF) determined by the Vaultedge data-driven risk methodology.

In addition to the collateral, the loans are secured by the Stability pool, which contains veUSD tokens staked by fellow borrowers who act as guarantors.

Why should I use Vaultedge?

The Vaultedge protocol solves critical problems for users and protocols :

• On-demand, low-cost liquidity by borrowing against a wide range of tokens at zero interest rate

• Unlock liquidity on your illiquid assets by borrowing against locked or illiquid tokens

• Deep liquidity on DEXs without the need to incentivize or pay the other side of the liquidity pools

• Treasuries management with smart capital allocation

• Earn yield on your veUSD by depositing in the stability pool and earn a share of the liquidations