Memecoin Lending Market
DegenVerse adopts a more flexible and secure lending mechanism, offering an innovative “non-liquidation lending + intelligent risk management” model. This lowers user borrowing risks while increasing capital efficiency.
Dual-Mode Lending DegenVerse’s lending market offers two modes:
Conventional Lending (Over-Collateralization): Suitable for relatively stable market conditions. The Loan-to-Value (LTV) ratio is set between 50%-70%. Users collateralize Memecoins to borrow USDT, ETH, or $DGEN.
Non-Liquidation Lending: DegenVerse’s proprietary intelligent leverage mechanism allows users to automatically pledge more assets if the market experiences high volatility, reducing the risk of liquidation.
Intelligent Risk Control + Automatic Risk Adjustment The lending market employs an intelligent risk control system to ensure market stability:
Dynamic LTV Mechanism: Maximum borrowing limits are automatically adjusted according to market volatility, lowering liquidation risks.
Lending Insurance Fund: A dedicated risk buffer fund partially compensates users if market prices experience extreme fluctuations.
Intelligent Alert System: Users can set custom borrowing alert thresholds. When LTV approaches the liquidation point, the system sends notifications and can automatically adjust collateral ratios.
Community Lending DegenVerse allows peer-to-peer (P2P) lending:
Users can publish loan requests specifying the amount, interest rate, and term, while other users directly provide funds.
Smart Matching: The system automatically pairs the most suitable borrowers and lenders, enhancing capital utilization.
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