About OrbitFi
OrbitFi is a risk-layered DeFi lending protocol. Depositors supply USDC and earn dynamic estimated yield; borrowers collateralize ETH and choose one of five LTV risk tiers (50–80%). The system prices risk in real time: higher tiers mean higher borrowing power, higher estimated yields — and higher risk.
The protocol maintains a Risk Reserve at a prudent safety level (approximately 3% of total borrows) to safeguard depositors against bad debt. If bad debt ever exceeds the reserve, losses are shared proportionally by all depositors, similar to a fund whose NAV can decline.
Protocol Reserves (live)
Revenue Distribution
94% of borrower interest is passed directly to depositors — among the most competitive rates in DeFi. The remaining fees fund the Risk Reserve and the Treasury (used for security audits, development, and bug bounties).
The protocol maintains a Risk Reserve at a prudent safety level (approximately 3% of total borrows) to safeguard depositors against bad debt. Once the reserve reaches its safety target, ongoing protocol fees are directed to the Treasury to fund security audits, protocol development, and long-term operational resilience — not to any individual.
Risk Disclosure
OrbitFi is a decentralized lending protocol. Depositors earn a variable share of borrower interest; rates are not fixed and may change with market conditions. The protocol maintains a Risk Reserve (~3% of borrows) to absorb bad debt; in the event bad debt exceeds the reserve, losses are proportionally shared by all depositors. Deposits are not principal-guaranteed. Neither OrbitFi nor any party guarantees returns. Always assess your own risk tolerance before participating.
- Oracle risk: prices come from Chainlink with staleness and deviation checks, but feeds can lag or be paused.
- Liquidation risk: if your Health Factor drops below 1, your collateral may be liquidated at a bonus to liquidators.
- Liquidity risk: withdrawals may fail if pool liquidity is insufficient.
- Smart contract risk: this is unaudited by an independent third party; use at your own risk.
Deployed Contracts (Base)
| Contract | Address |
|---|---|
| LendingPool | 0xFeB11B…7653e1 |
| USDC | 0x833589…A02913 |
| ChainlinkOracle (price source) | 0x1964A8…F768d7 |
| InterestRateModel | 0xDFA188…F75184 |
| RiskManager | 0x9A07c7…3cd4FA |
| LiquidationManager | 0x84eA96…A7C09D |
| ReserveManager | 0xc95729…50973a |
| RiskEngine | 0x2a70dd…f8E883 |
Audit Status
Security review completed, pending third-party audit.
Disclaimer
This app runs on Base mainnet. Nothing on this page is an offer of financial products, and no returns are guaranteed. Cryptographic assets involve risk; only participate with funds you can afford to lose.