Native collateral
Use an asset available in a smart-contract collateral market, which may include BTC, ETH, SOL, stablecoins, and other supported assets.
Decentralised borrowing
Borrow withoutselling your collateral.
Access liquidity through decentralisedsmart protocols while keeping your assets.
How smart-contract borrowing works
Native collateral in. Cross-chain liquidity out.
Decentralised smart contracts govern collateral, rates, repayments, and liquidations. MakePay is designing the interface and planned merchant-routing layer without becoming the lender or holding customer collateral.
Non-custodial interfaceMarket terms shown before approval
Cross-chain borrowing
Withdraw an available borrowed asset directly to a supported destination wallet through decentralised cross-chain infrastructure.
Visible position health
Review variable rates, oracle pricing, LTV caps, available liquidity, and the distance to partial liquidation.
Borrowing flow
Four steps from collateral to repayment.
01
Choose the position
Connect a wallet and select a supported collateral market and destination asset.
02
Inspect live parameters
Review the current rate, LTV cap, oracle pricing, transaction costs, and liquidation risk.
03
Borrow cross-chain
Approve the collateral deposit and withdraw the available borrowed asset to a wallet.
04
Repay and reclaim
Repay principal, accrued interest, and applicable costs to improve health and unlock remaining collateral.
Borrower use cases
Liquidity for the next operating cycle.
These are product-direction examples, not offers or guaranteed outcomes. Every position remains subject to market liquidity and liquidation risk.
01
Mining & hosting operations
Borrow an available stablecoin against BTC for power, hosting, maintenance, or expansion without selling solely to fund operations.
02
ASIC crypto pay later
Use supported collateral to fund an ASIC purchase while the merchant receives an available settlement asset.
03
Working capital
Bridge supplier invoices, inventory, contractors, or other short-term costs with overcollateralised liquidity.
04
Treasury liquidity
Access an available borrowed asset while retaining supported collateral exposure, subject to LTV risk.
Risk comes first
Collateral can still be lost.
The smart contracts may partially liquidate collateral when a position crosses its risk threshold.
Variable rates, LTV caps, oracle prices, transaction costs, liquidity, and supported markets can change.
Smart-contract, oracle, stablecoin, cross-chain, market, governance, and regulatory risks remain.
The MakePay interface is planned. Smart-contract markets, parameters, and availability can change. This page is not financial, legal, tax, or investment advice.
Before you register
Frequently asked questions
Is MakePay decentralised borrowing live?
The MakePay borrowing interface is upcoming. Registration is for research and potential early access and does not guarantee availability or eligibility.
Which assets can I use as collateral or borrow?
Planned markets may include BTC, ETH, SOL, USDC, USDT, and other assets supported by decentralised smart contracts. Each asset can have different roles, networks, LTV caps, rates, and liquidity. MakePay will show the currently available collateral and borrow markets.
Does MakePay hold my collateral?
No. MakePay does not plan to hold collateral or become the lender. Deposited assets are governed by decentralised smart contracts and their security model.
What happens when collateral prices move?
If collateral value rises while debt stays constant, LTV generally falls and the buffer improves. If collateral value falls, LTV rises and the position can approach partial liquidation.