Earn on a date.
Deposit USDC in a vault. It lends only by the rules below, written on chain, and every loan’s fixed cost reaches your shares over its term. Withdraw any time, up to the vault’s free cash.
Still House
USDC · lends against memes, Solana majors and xStocks—in the vault
—lent out
—loans running
—earned for shares
| Fixed cost floor | 10% a year | tighter at once, looser after 3 hours |
| Most per loan | 5,000 USDC | same |
| Most against one token | 25% of the vault | same |
| Kept as cash | 10% | same |
| Longest term | 21 days | fixed at creation |
| Vault fee | 10% of each return | fixed at creation, never on deposits |
| Lending line per token | set by the funder | never above the manager’s cap, good for 6 hours at most |
What you can lose
- A walk-away pays in the bag, not in USDC. It can be worth less than the loan. Memes can go to zero.
- Free cash can be zero while everything is lent; a withdrawal then waits for loans to end or new deposits.
- xStocks can be paused or moved by their issuer; the bag in escrow carries that.
- A fault in the program can lose funds. It has not been audited.
- Your shares, worth
- —
- Free cash in the vault
- —
- Minimum deposit
- 1 USDC
A deposit pays the share price of that second, so arriving just before a repayment earns nothing it did not wait for. Withdrawals are paid at once, up to the vault’s free cash; there is no queue.