Deposit XRP into the reserve and earn interest paid by borrowers. Rates float with utilization — the more borrowed, the more you earn. Withdraw any time there's available liquidity.

Three things can hurt you: a contract exploit, a bad oracle print, or a liquidation cascade that leaves bad debt in the reserve. Caps, LTV limits, and oracle guards shrink the surface — they don't eliminate it.

If your collateral drops or your debt grows past the liquidation threshold, your position gets liquidated and you eat a penalty. Watch your health factor, not just the price.

Per-asset supply and borrow caps, conservative LTVs, oracle sanity checks, and a real-time health factor on every account. You see the risk before the position breaks.

Core contracts and key integration surfaces will be publicly reviewable as lending ships to production.

Audits are tracked per release. This page is mock data — production audit reports will be linked here at launch.