Supported supply markets
Supply an asset available in an integrated market, which may include BTC, ETH, SOL, USDC, USDT, and other supported assets.
Decentralised lending
Supply native assets.Earn variable yield.
Supply supported assets through decentralisedsmart protocols and earn variable market yield.
How smart-contract lending works
Supply liquidity to native-asset markets.
Decentralised smart contracts place supplied assets into lending markets where borrower demand and utilisation drive variable rates. MakePay is designing the supplier interface without becoming the borrower or guaranteeing returns.
Non-custodial interfaceMarket terms shown before approval
Demand-driven yield
Supplier rates move as borrower demand, available liquidity, utilisation, and market parameters change.
Market fee streams
Some markets may combine lending interest with additional market fee streams.
Lending flow
Four steps from supply to withdrawal.
01
Choose a market
Connect a wallet and choose an available smart-contract supply market and supported network.
02
Inspect live parameters
Review the variable rate, utilisation, withdrawal liquidity, fees, and smart-contract risks.
03
Supply the asset
Approve the asset deposit through the market's smart contracts and begin participating in the market.
04
Monitor and withdraw
Monitor accrued variable yield and withdraw according to the smart contracts' rules and available liquidity.
Supplier use cases
Put supported reserves to work.
These scenarios describe the intended supplier experience. Yield and principal are not guaranteed, and withdrawal liquidity can vary.
01
Mining treasury reserves
Supply a supported portion of native BTC reserves while keeping a separate liquid operating buffer.
02
Stablecoin treasuries
Put supported USDC or USDT balances into available lending markets while monitoring utilisation.
03
Long-term holders
Supply supported native assets without converting them into wrapped representations for the core flow.
04
Wallets and platforms
Explore an embedded supply experience for eligible wallet or platform users through MakePay.
Risk comes first
Yield is variable. Principal is at risk.
Supply rates can fall as borrower demand, market utilisation, and market parameters change.
Withdrawals depend on available market liquidity and the smart contracts' current rules.
Smart-contract, oracle, asset, stablecoin, network, 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 lending live?
The MakePay supplier interface is upcoming. Registration is for research and potential early access and does not guarantee availability or eligibility.
Which assets can I supply?
Planned markets may include BTC, ETH, SOL, USDC, USDT, and other assets supported by decentralised smart contracts. Availability, networks, rates, and liquidity vary by market, and MakePay will show current market data.
Where does lending yield come from?
Supply rates are driven by borrower demand, market utilisation, and protocol fees where supported. Rates are variable and neither yield nor principal is guaranteed.
Can I withdraw supplied assets at any time?
Withdrawals depend on the smart contracts' rules and available market liquidity. High utilisation or market conditions can affect how much is available to withdraw.