Native collateral
Assets stay native
Decentralised smart contracts may support BTC, ETH, SOL, USDC, USDT, and other available markets without a custodial MakePay balance.
MakePay integration coming soon · Decentralised smart contracts
Keep your assets. Access or supply liquidity.
An upcoming MakePay interface using decentralised smart contracts for businesses that want to borrow against or supply supported assets. Planned markets may include BTC, ETH, SOL, USDC, USDT, and other assets, subject to availability.
Collateral
2.40 BTC
Smart-contract position
Borrowed
85,000 USDT
To your wallet or merchant
Smart-contract lending and borrowing
Native lending infrastructure underneath MakePay.
MakePay plans to connect its lending and borrowing experience to decentralised smart contracts. MakePay is building the interface, position visibility, and merchant-routing layer; the smart contracts govern collateral, borrowing, rates, repayments, and liquidations.
Non-custodial interfaceMarket terms shown before approval
Experience layer
MakePay
Lending layer
Decentralised smart contracts
Asset layer
BTC, ETH, SOL + stablecoin networks
Cross-chain by default
Borrow across networks
Collateral, borrowing, repayments, and liquidations settle through decentralised cross-chain infrastructure.
Smart contracts
Contract-governed assets
Deposited assets are governed by decentralised smart contracts and their security model.
Risk controls
Partial liquidations
Oracle-priced risk limits and partial liquidations are designed to restore position health without unwinding more than necessary.
Smart-contract availability and parameters are independent of MakePay. The MakePay integration remains upcoming and subject to technical, legal, and market availability.
One market · Two sides
Supply liquidity or borrow against it.
Decentralised smart contracts connect suppliers and borrowers in supported markets. MakePay's planned interface is intended to make both sides understandable while keeping current market parameters visible.
For suppliers
Put supported assets to work
Supply a supported asset to an available smart-contract market and earn a variable rate driven by borrower demand, utilisation, and market fees where supported.
Rates are variable. Yield and principal are not guaranteed.
For borrowers
Borrow without selling collateral
Use a supported asset as collateral, open an overcollateralized position, and withdraw an available borrowed asset directly to a destination wallet.
Available pairs, LTV caps, rates, and liquidity vary by market.
Planned borrowing flow
Borrowing in four wallet-approved steps.
MakePay is designing a clear interface around decentralised smart contracts. You approve wallet transactions and review position health before and after borrowing.
01
Collateralize
Deposit supported collateral
Connect a wallet, choose supported collateral such as BTC, ETH, or SOL, and review the smart contracts' market parameters before approving a deposit.
02
Borrow
Receive stablecoin liquidity
Choose a conservative position, inspect the rate and liquidation threshold, then borrow supported USDT or USDC to a wallet.
03
Use
Put liquidity to work
Use the borrowed stablecoin from your own wallet, or route it to a participating merchant when MakePay checkout support launches.
04
Reclaim
Repay and unlock collateral
Repay principal, accrued interest, and applicable costs. Full repayment unlocks the remaining collateral.
Case studies
Keep the asset. Fund the business.
These Bitcoin-focused examples show only part of the product direction. The planned integrations may support broader asset markets and remain subject to liquidity, collateral rules, rates, and liquidation risk.
01
Mining & hosting operators
Use BTC-backed USDT for power, hosting, maintenance, or expansion while keeping the remaining BTC exposure, subject to position health.
Discuss this use case02
ASIC crypto pay later
Use supported BTC as collateral and route borrowed USDT to an ASIC merchant through a planned checkout option.
Discuss this use case03
Mining hardware merchants
Offer a BTC-backed payment route while the merchant receives USDT, without the merchant directly underwriting the customer's debt.
Discuss this use case04
BTC-native working capital
Bridge inventory, contractors, supplier invoices, or other operating costs without selling BTC solely to fund a short-term need.
Discuss this use caseRisk comes first
Lending and borrowing are not risk-free.
The smart contracts may partially liquidate collateral if a position crosses its risk threshold.
Rates, liquidity, LTV caps, oracle prices, network costs, fees, and supported assets can change.
Smart-contract, oracle, stablecoin, cross-chain, market, and regulatory risks remain.
The MakePay integration is planned. MakePay will show applicable smart-contract parameters before a user confirms a transaction. This page is not financial, legal, tax, or investment advice.
Before you register
Frequently asked questions
Is MakePay Lending & Borrowing live today?
The MakePay lending and borrowing interfaces are upcoming. Registration is for product research and potential early access and does not guarantee availability, eligibility, terms, or launch timing.
How will the service work?
MakePay plans to provide an interface to decentralised smart contracts for lending and borrowing. MakePay will provide position visibility and planned merchant-routing tools, while the smart contracts govern collateral, rates, repayments, and liquidations.
Which assets will be supported?
Planned markets may include BTC, ETH, SOL, USDC, USDT, and other assets available through decentralised smart contracts. Each asset can have different roles, networks, LTV caps, rates, and liquidity. MakePay will show the current supply, collateral, and borrow markets rather than assuming every asset works in every direction.
Can I supply assets as a lender?
That is part of the planned product direction. Suppliers may deposit supported assets into available protocol pools and earn a variable rate driven by borrower demand. Yield and principal are not guaranteed, and exact MakePay support will depend on available markets.