loans

launch pumpfun tokens that feed a lending vault. Creator rewards become shared liquidity through @aave for collateralized loans.

[loans @loansventures]

CA: H891tY3Kk2iZRGEkpo3m7umg3R6uV8NFP1Gc3kAYpump

https://t.co/yNZWBFq9f1 pools creator rewards from every launch into shared lending liquidity. each coin is minted on the pumpfun bonding curve with the protocol vault receiving 30 bps from every trade, turning ongoing volume into capital for collateralized SOL loans.

anyone can deposit SOL or USDC as collateral and borrow from the available liquidity. as more launches trade, the vault grows, and interest paid back by borrowers is added back into the pool.

lets bring back retail.

[loans @loansventures]

the lending side of https://t.co/yNZWBFq9f1 gets stronger as the launchpad gets used.

every trade across every launch sends creator rewards into the same shared vault, which means the liquidity available to borrowers grows from activity that was already happening anyway.

more launches → more volume → more creator rewards → more SOL available to borrow.

instead of relying on outside liquidity to keep the system funded, the launchpad itself keeps adding to the pool.

https://t.co/nzLfyLJsmc

[loans @loansventures]

quote tweeting in case some of you missed this.

[loans @loansventures]

good question. the reason people can’t just borrow SOL and walk away is because every loan is overcollateralized.

to borrow, you first have to deposit SOL or USDC worth more than the amount you’re borrowing. that collateral stays locked against the loan, and you can’t fully withdraw it while debt is still open.

your position is tracked through a health factor. as interest accrues or the value of your collateral moves against you, that health factor falls. if it reaches 1.00, the position can be liquidated and part of the collateral is sold to repay the debt.

so the incentive to repay is pretty simple: if you want your collateral back, you repay the loan. if you don’t, the debt keeps accruing interest and eventually the protocol can use your collateral to cover it.

you also can’t just keep borrowing indefinitely. every additional borrow is limited by your remaining borrow power and is rejected if it would push the position below a safe health factor.

[loans @loansventures]

good question. the reason people can’t just borrow SOL and walk away is because every loan is overcollateralized.

to borrow, you first have to deposit SOL or USDC worth more than the amount you’re borrowing. that collateral stays locked against the loan, and you can’t fully withdraw it while debt is still open.

your position is tracked through a health factor. as interest accrues or the value of your collateral moves against you, that health factor falls. if it reaches 1.00, the position can be liquidated and part of the collateral is sold to repay the debt.

so the incentive to repay is pretty simple: if you want your collateral back, you repay the loan. if you don’t, the debt keeps accruing interest and eventually the protocol can use your collateral to cover it.

you also can’t just keep borrowing indefinitely. every additional borrow is limited by your remaining borrow power and is rejected if it would push the position below a safe health factor.

[loans @loansventures]

good question. the reason people can’t just borrow SOL and walk away is because every loan is overcollateralized.

to borrow, you first have to deposit SOL or USDC worth more than the amount you’re borrowing. that collateral stays locked against the loan, and you can’t fully withdraw it while debt is still open.

your position is tracked through a health factor. as interest accrues or the value of your collateral moves against you, that health factor falls. if it reaches 1.00, the position can be liquidated and part of the collateral is sold to repay the debt.

so the incentive to repay is pretty simple: if you want your collateral back, you repay the loan. if you don’t, the debt keeps accruing interest and eventually the protocol can use your collateral to cover it.

you also can’t just keep borrowing indefinitely. every additional borrow is limited by your remaining borrow power and is rejected if it would push the position below a safe health factor.

[loans @loansventures]

remember, protocol health matters just as much as available liquidity.

https://t.co/yNZWBFq9f1 isn’t simply a vault that lets people borrow until the SOL runs out. every position is continuously constrained by collateral value, LTV, utilization, and health factor.

SOL and USDC deposits determine how much a wallet can borrow, while the health factor tracks how close that position is to liquidation. the closer it gets to 1.00, the less room the borrower has before the position becomes unsafe.

utilization matters on the other side too. as more of the lending liquidity is borrowed, rates increase to make scarce capital more expensive and encourage repayment back into the pool.

creator rewards keep adding new liquidity, borrower interest flows back into the system, and every borrow or withdrawal is checked against the resulting position before it can execute.

the idea isn’t just to make more SOL available to retail. it’s to build a lending layer that can keep growing without ignoring the risk underneath it.

[loans @loansventures]

for everyone new here, i’m working on a few videos that break down exactly how https://t.co/yNZWBFq9f1 works from start to finish.

they’ll cover how creator rewards feed the lending pool, how to deposit collateral, how borrowing works, what LTV and health factor actually mean, and how repayments flow back into the system.

i’m keeping them beginner-friendly on purpose. you shouldn’t need to understand lending protocols or risk models just to use the product.

the first videos should be up soon.

[loans @loansventures]

quote tweeting this because i am seeing a lot of the same questions.

[loans @loansventures]

not fud at all, good question.

the 11 SOL you’re seeing on solscan is the creator-fee balance still sitting in the solana vault. the number shown on https://t.co/yNZWBFq9f1 only reflects capital that has already gone through the sweep process and been supplied into the @aave lending side.

there can be a delay between fees accumulating on solana and that liquidity showing up as available to borrow.

the SOL first has to be swept from the vault, moved over to the lending side, and supplied into @aave before the site counts it as active borrowing liquidity.

[loans @loansventures]

not fud at all, good question.

the 11 SOL you’re seeing on solscan is the creator-fee balance still sitting in the solana vault. the number shown on https://t.co/yNZWBFq9f1 only reflects capital that has already gone through the sweep process and been supplied into the @aave lending side.

there can be a delay between fees accumulating on solana and that liquidity showing up as available to borrow.

the SOL first has to be swept from the vault, moved over to the lending side, and supplied into @aave before the site counts it as active borrowing liquidity.

[loans @loansventures]

not fud at all, good question.

the 11 SOL you’re seeing on solscan is the creator-fee balance still sitting in the solana vault. the number shown on https://t.co/yNZWBFq9f1 only reflects capital that has already gone through the sweep process and been supplied into the @aave lending side.

there can be a delay between fees accumulating on solana and that liquidity showing up as available to borrow.

the SOL first has to be swept from the vault, moved over to the lending side, and supplied into @aave before the site counts it as active borrowing liquidity.

[loans @loansventures]

think about the last time retail really showed up.

millions of people came into memecoins with fresh capital, bought into new pairs every day, took losses, rotated into the next thing, and eventually ran out of money or just stopped caring.

that’s the part nobody really talks about. retail doesn’t magically come back because there are better memes or another meta. people actually need capital to participate.

most normies aren’t sitting around with another few thousand dollars ready to trade every time the market gets interesting again. a lot of them already went through that cycle once.

if we want another real retail wave, there needs to be a way for people to do more with the capital they already have instead of constantly asking them to bring fresh money back into the casino.

that’s why i am so optimistic on lending.

give people the ability to post collateral, borrow SOL, and access capital freely without needing to sell everything they already hold.

i genuinely believe this is one of the best ways for bringing retail back. every token launched through https://t.co/yNZWBFq9f1 generates creator rewards, those rewards feed shared lending liquidity through @aave, and that liquidity gives people more capital to actually play with.

$loans

[loans @loansventures]

lending capital markets.

[loans @loansventures]

@Animepods editing a few videos rn

[loans @loansventures]

one of the biggest problems right now is that retail doesn’t have enough capital to trade.

during the 2024 bull run, a huge amount of normies and retail came in, got drained across endless rugs, and eventually left the market with a lot less capital than they started with.

if memecoins are going to have another real retail wave, there needs to be a better way for people to access real capital without loosing a fuck ton of money.

that’s a big part of what https://t.co/yNZWBFq9f1 is trying to solve.

[loans @loansventures]

@oofybog

[loans @loansventures]

$loans has migrated.

this opens a lot more eyes to what we’re building and gives the protocol a much bigger surface area to prove that memecoin fees can actually be turned into useful capital.

the goal is to give retail more access to capital without constantly needing fresh money just to keep trading.

will do whatever i can to keep pushing this forward and get as many people using the lending side as possible.

[loans @loansventures]

small bug with the lending pool around collateral escrow and health factor updates after certain borrow actions.

pushing a fix now.

[loans @loansventures]

making a few videos to show exactly how https://t.co/yNZWBFq9f1 works, from launching a coin to depositing collateral and borrowing SOL.

also want to onboard as many retail users as possible and make the whole process feel simple enough that you don’t need to understand lending infrastructure to use it.

more soon.

[loans @loansventures]

huge use case for retail. access to capital is still one of the biggest things missing from memecoin trading.

will do anything in my power to get people to make the switch from using @pumpfun to https://t.co/yNZWBFq9f1.

same launch experience, except the creator rewards from every trade are redirected into shared lending liquidity instead of ending at a creator wallet.

the more volume moves through the platform, the more capital becomes available for people to borrow against.

$loans

[loans @loansventures]

bringing retail back means solving the capital problem.

turning creator rewards into lending liquidity might be one of the smartest ways to change that.

the fees already exist. the volume already exists. https://t.co/yNZWBFq9f1 just turns that flow into capital people can actually borrow and use again.

[loans @loansventures]

your health factor is the number that tells you how safe your loan actually is.

it compares the risk-adjusted value of your collateral against what you owe. above 1.00, the position is healthy. at or below 1.00, it becomes liquidatable.

health factor = risk-adjusted collateral / debt

as you borrow more, interest accrues, or your collateral moves against you, that number falls. repay debt or add collateral and it moves back up.

https://t.co/yNZWBFq9f1 checks the resulting health factor before every borrow or withdrawal, so any action that would immediately push the position below 1.00 is rejected.

https://t.co/nzLfyLJsmc