XCCY

Fixed income layer on top of lending markets

[XCCY @xccy_finance]

Treasuries need predictable costs.
Funds need duration.
Borrowers need rate certainty.

TradFi solved this with fixed-income markets.
DeFi has not
yet.

[XCCY @xccy_finance]

We just published a deep dive into XCCY’s vAMM - the engine that turns floating DeFi rates into fixed-rate markets.

TL;DR:

XCCY does not match borrowers and lenders manually.

It runs an always-on rate market where:

- vAMM prices the fixed rate
- Ticks represent rate levels
- LPs concentrate liquidity around the live quote
- Takers can Pay Fixed / Receive Floating to hedge borrow-rate risk
- Only the interest difference settles: principal stays where it is

That is what makes leveraged loops less fragile.

Now, let’s walk through it in the article below.

[XCCY @xccy_finance]

https://t.co/DrvDMNMduf

[XCCY @xccy_finance]

https://t.co/DrvDMNMduf

[XCCY @xccy_finance]

OUSD routes the reserve yield to its distributors instead of pocketing it. Smart design.
But that yield floats, so 140 of the largest distributors on earth now hold a floating dollar-income stream to manage.
Turning that into a fixed, budgetable rate is exactly what we do.

[Open Standard @openstandard]

https://t.co/NrHlvge3LG

[XCCY @xccy_finance]

Talked about rates, risks and RWAs.
Thanks for having us at today's Stellar Developers Meeting, @BuildOnStellar. More soon.

[Build on Stellar @BuildOnStellar]

Stellar Developers Meeting - 06/18/2026 https://t.co/RDBwDJTK8Q

[XCCY @xccy_finance]

@stacy_muur @Morpho Great breakdown. The elegant part is sourcing liquidity only at settlement, so makers never park idle capital. XCCY takes the other road: an always-on vAMM that keeps fixed-rate liquidity continuous and on-chain. Same belief, different path.

[XCCY @xccy_finance]

The plan is staged and already live:

Testnet now → mainnet under multisig with caps → Python SDK, MM/LP bots on Soroban, etc.

We target 1m+ in TVL on @StellarOrg by end of year.

Fixed income is the deepest market on earth. We're bringing it on-chain.

Follow @xccy_finance 🛰️

[XCCY @xccy_finance]

Happy to share that XCCY is now backed by the @StellarOrg Community Fund (SCF #43)!

We're building the missing layer of Stellar DeFi: on-chain interest-rate swaps and fixed-rate yield, all on Soroban.

Floating yield in, fixed yield out. Here's what we're shipping.

[XCCY @xccy_finance]

Why it's big for Stellar 👇

Real yield already lives here: @FTDA_US tokenized treasuries (BENJI, ~$467M on Stellar), PYUSD, plus yield-dollars like sUSDe.

Today it all floats. XCCY makes it fixed-rate and hedgeable, the rails institutions need to size up.

[XCCY @xccy_finance]

Beautiful paper, @Morpho. Sourcing liquidity only at settlement, so makers never have to park idle capital - genuinely elegant.

XCCY takes the other road: an always-on vAMM that keeps liquidity continuous and on-chain for any market. Same belief, different path: fixed-rate is where onchain credit grows up.

[Morpho 🦋 @Morpho]

The Morpho Midnight Whitepaper

A noncustodial protocol for fixed rate, fixed term credit markets

https://t.co/0Sws6JiRsA

[XCCY @xccy_finance]

@flipdazed This is where IRS-based (or even vanilla IRS) products need to be explicitly highlighted.
Funding leg, margin and liquidation risk can be priced and modeled in concrete numbers before the execution instead of being "somewhere" inside a manual cross-platform loop.

[XCCY @xccy_finance]

@arbitrum Now is the best time to create user-friendly infra on top of it

[XCCY @xccy_finance]

After opening, track the position with live updates directly in Lock Yield

Classic loop logic, controlled funding is the product.

Model your setup:
https://t.co/hgy8Fi2mqt

[XCCY @xccy_finance]

We just published how $USDe looping can move from current plain 3.5% $sUSDe APY to 11%+ annualized yield

TL;DR:

Keep leveraged exposure to the yield side
Fix the borrow-rate leg through IRS
Track both health factors before the trade is opened

Now, let’s walk through it in the updated terminal.

[XCCY @xccy_finance]

https://t.co/D6xdoTlRCi

[XCCY @xccy_finance]

How to set it up:

Lock Yield → Borrow → select asset → Loop tab

Then:

1. Set collateral amount
2. Choose leverage
3. Set target IRS health factor for the hedge leg

The terminal models expected APR, fees, Aave HF, and IRS HF before you open.

[XCCY @xccy_finance]

@stacy_muur This can already be done in one product and one on-chain transaction: avoid duplicated fees, fix the borrow leg, and see position risk before execution. One position, not five manual steps.

[XCCY @xccy_finance]

@TheDeFinvestor The more RWAs we have, the more attention conservative-focused DeFi apps will attract.

Pendle is fundamentally about yield tokenization, but tokenized yield can also be leveraged and reused in loop strategies.

There is still a lot of untapped potential in this space!!

[XCCY @xccy_finance]

https://t.co/D6xdoTlRCi

[XCCY @xccy_finance]

Great read. RWA yield is not enough - treasuries need rates they can model.

Pendle turns variable RWA yield into fixed yield.

Next layer: funding.

As these assets route into lending, XCCY can lock the borrow side.

That’s how RWA loops become balance-sheet grade.

[Stacy Muur @stacy_muur]

https://t.co/hCev6dahTw