ZOrbitFi
Base Mainnet · Live

Lending where you choose your risk

Deposit USDC, USDT or DAI to earn, or borrow against ETH and cbBTC across five risk tiers. Real-time risk pricing, transparent reserves, and losses shared by depositors on bad debt — like a fund whose NAV can decline.

Launch AppRun Stress Test
Risk ladder
T1 · 50%T3 · 70%T5 · 80%

Markets

USD Coin
USDC
--
TVL (stable ≈ $)
Total Supply
-- USDC
Total Borrow
-- USDC
Utilization0.00%
Supply APY~3.31%
Projected (assumes 80% utilization)
Borrow APR · T5--
Idle funds — APY may stay low until utilization rises.
Tether USD
USDT
--
TVL (stable ≈ $)
Total Supply
-- USDT
Total Borrow
-- USDT
Utilization0.00%
Supply APY~3.31%
Projected (assumes 80% utilization)
Borrow APR · T5--
Idle funds — APY may stay low until utilization rises.
Dai Stablecoin
DAI
--
TVL (stable ≈ $)
Total Supply
-- DAI
Total Borrow
-- DAI
Utilization0.00%
Supply APY~3.31%
Projected (assumes 80% utilization)
Borrow APR · T5--
Idle funds — APY may stay low until utilization rises.

Each borrow asset is an independent market with its own utilization, rates, reserve and bad-debt accounting. Collateral: ETH and cbBTC are shared across markets.

Interest Rate Model

Projected · NORMAL preset
Risk Reserve (USDC)
--
First-loss buffer · target 3% of borrows
Treasury (USDC)
--
Pending protocol fees
USDC Utilization
0.00%
Current borrow demand in the USDC market

Choose Your Risk

Pick a tier. Higher LTV tiers offer greater capital efficiency but carry higher liquidation risk and higher interest rates. Select a tier aligned with your risk tolerance. LTV limits are calibrated per collateral asset (e.g. cbBTC uses a conservative table).

Tier 1Low
0%
Max LTV · Liq. threshold 60%
Supply APY contribution~0.00%
Projected, not guaranteed
Tier 2Medium
0%
Max LTV · Liq. threshold 70%
Supply APY contribution~0.00%
Projected, not guaranteed
Tier 3High
0%
Max LTV · Liq. threshold 78%
Supply APY contribution~0.00%
Projected, not guaranteed
Tier 4Very High
0%
Max LTV · Liq. threshold 85%
Supply APY contribution~0.00%
Projected, not guaranteed
Tier 5Extreme
0%
Max LTV · Liq. threshold 90%
Supply APY contribution~0.00%
Projected, not guaranteed

Risk notice: Deposits are not guaranteed — your principal may decrease due to bad debt, similar to a fund whose NAV can decline. OrbitFi is transparent and non-custodial: 94% of borrower interest is passed directly to depositors, and all displayed APY/APR figures are projections based on current market conditions, not guarantees. Borrowing involves liquidation risk — monitor your Health Factor and keep it above 1.0.