Lending
Locked Yield Lending lets you deposit assets and lock a fixed APR for a chosen term.
Fixed Deposits
You are not managing rates, borrowers, or rollovers. Once the deposit is opened, the outcome is fixed.
What You Get
Guaranteed APR for the full term
Known maturity value from day one
No exposure to variable-rate swings
No need to monitor markets or rebalance
This is a fixed deposit, not yield farming.
How Yield Is Generated
Your deposit is routed through the most efficient structure available at entry:
Direct lender–borrower matching when demand exists
Synthetic fixed yield when matching liquidity is unavailable
Both paths deliver the same result to you: a locked rate and full principal at maturity.
You never choose the execution path—the protocol does.
Why Rates Are More Competitive
Traditional fixed-rate products lock 100% of capital until maturity.
Locked Yield does not.
Only the portion needed to hedge interest rate exposure is constrained. The remainder is deployed into XLP Senior Tranche strategies, earning conservatively additional yield.
This allows XCCY to:
Improve fixed APRs
Use capital more efficiently
Avoid idle collateral
You earn the fixed rate. The system optimizes the balance sheet.
Term and Settlement
Deposits run for a fixed term
Principal and yield are settled automatically at maturity
No manual action is required
Early exit is settled at prevailing market rates and may differ from the locked APR.
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