Lend
Lending in XCCY lets you lock a fixed yield for a defined period.
It behaves like an on-chain fixed-term deposit — predictable, transparent, and non-custodial.
You choose:
the asset,
the term,
the fixed APR.
Once opened, the rate does not change.
What You’re Doing
When you open a Fixed Deposit:
your funds are committed for a specific term,
the protocol locks in the yield internally,
interest accrues deterministically until maturity.
You do not trade swaps or manage positions. All complexity stays inside the protocol.
Step-by-Step: How to Lend
1. Choose a Pool and Term
Select:
the asset you want to deposit (e.g. USDC, ETH, yield-bearing tokens),
an available maturity (ON, 1W, 1M, 3M, 6M, etc.).
Each pool shows:
fixed APR,
settlement currency (coin-set or USDC-set),
minimum and maximum deposit size.
2. Review the Fixed Rate
The displayed APR is:
market-driven,
guaranteed if held to maturity,
inclusive of all protocol mechanics.
Once confirmed, this rate is locked.
3. Deposit and Confirm
Approve the asset.
Confirm the Fixed Deposit transaction.
You receive a position representing your fixed-income claim.
From this point:
your principal is locked,
the yield is fixed,
no further action is required.
During the Term
While the deposit is active:
interest accrues automatically,
your position is not affected by market rate changes,
there is no liquidation risk.
You can monitor:
accrued interest,
time to maturity,
position status, via the app or the Telegram bot.
At Maturity
At maturity:
principal plus fixed interest is settled,
funds become withdrawable,
settlement happens in the pool’s settlement currency.
No action is required unless you want to withdraw or roll over.
Early Exit
Fixed Deposit positions cannot be exited early through the protocol.
Once you open a Fixed Deposit:
your principal is committed for the full term,
the fixed rate is guaranteed only at maturity,
early withdrawal is not supported.
Choosing the Right Term
If you may need liquidity:
prefer shorter maturities,
roll deposits manually,
Fixed Deposit is best suited for capital you are comfortable locking until maturity.
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