Post collateral, keep ownership
Deposit PRISM or a listed tokenized asset. It is held in the contract as security only; you withdraw it in full the moment your debt is clear, and it is never lent out to anyone else.
Prism Lending
Put your assets to work without selling them.
Lock PRISM or a tokenized real-world asset as collateral and borrow USDG against it. The collateral never leaves your name; the protocol holds it only as security and hands it straight back when the loan is repaid. Borrow within your limit, repay whenever you like.
Borrow USDG against your assets
Over-collateralized and non-custodial: your collateral stays yours and is withdrawable while your position is healthy. Collateral prices are maintained by a treasury keeper; if your health factor falls below 1.00 your position can be liquidated at the market's bonus. This is new, unaudited software — borrow within a comfortable margin.
How the loan works
Borrow within a safe margin
Each collateral has a loan-to-value ceiling. You can borrow USDG up to that share of your collateral's value, and a health factor shows how much headroom stands between you and liquidation.
Repay on your own schedule
Interest accrues by the second at a published rate. There is no fixed term: repay part or all whenever you choose, and your borrowing power recovers immediately as the debt falls.
A note on risk: this is over-collateralized borrowing, so you always post more value than you take out, and if your collateral falls far enough your position can be liquidated at a bonus to the liquidator. Collateral prices are maintained by a treasury keeper rather than an external oracle in this first version, and the contract has not yet been audited. Borrow conservatively.