Keep your assets.Access or supply liquidity.

An upcoming MakePay interface for businesses that want to borrow against or supply supported assets through decentralised smart contracts.

Register interestSee how it could work

Planned markets may include BTC, ETH, SOL, USDC, USDT, and other assets, subject to availability.

One market. Two sides.

Decentralised smart contracts connect suppliers and borrowers in supported markets. MakePay’s planned interface keeps 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.

Explore lending

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.

Explore borrowing

Native lending infrastructure underneath MakePay.

MakePay is building the interface, position visibility, and planned merchant-routing layer. Decentralised smart contracts govern collateral, borrowing, rates, repayments, and liquidations.

Assets stay native

Decentralised smart contracts may support BTC, ETH, SOL, USDC, USDT, and other available markets without a custodial MakePay balance.

Borrow across networks

Collateral, borrowing, repayments, and liquidations settle through decentralised cross-chain infrastructure.

Contract-governed assets

Deposited assets are governed by decentralised smart contracts and their security model.

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 integration remains upcoming and subject to technical, legal, and market availability.

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.

  1. 01

    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.

  2. 02

    Receive stablecoin liquidity

    Choose a conservative position, inspect the rate and liquidation threshold, then borrow supported USDT or USDC to a wallet.

  3. 03

    Put liquidity to work

    Use the borrowed stablecoin from your own wallet, or route it to a participating merchant when MakePay checkout support launches.

  4. 04

    Repay and unlock collateral

    Repay principal, accrued interest, and applicable costs. Full repayment unlocks the remaining collateral.

Keep the asset. Fund the business.

These Bitcoin-focused examples show only part of the product direction. Planned integrations may support broader asset markets and remain subject to liquidity, collateral rules, rates, and liquidation risk.

Mining & hosting operators

Use BTC-backed USDT for power, hosting, maintenance, or expansion while keeping the remaining BTC exposure, subject to position health.

Explore

ASIC crypto pay later

Use supported BTC as collateral and route borrowed USDT to an ASIC merchant through a planned checkout option.

Explore

Mining hardware merchants

Offer a BTC-backed payment route while the merchant receives USDT, without the merchant directly underwriting the customer's debt.

Explore

BTC-native working capital

Bridge inventory, contractors, supplier invoices, or other operating costs without selling BTC solely to fund a short-term need.

Explore

Understand the risks

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.

A few things worth knowing.

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.

How is the planned service decentralized?

The planned MakePay interface will connect a user's wallet to decentralised smart contracts. Contract-governed collateral, market parameters, and distributed infrastructure replace a custodial MakePay account balance.

Does MakePay hold deposited collateral or supplied assets?

No. MakePay does not plan to hold customer assets. Deposited assets are governed by decentralised smart contracts. Users must review the current mechanics and risks before approving a deposit.

What happens if the collateral price changes?

If collateral value rises while debt stays constant, loan-to-value falls and the position gains more buffer. If collateral value falls, loan-to-value rises and the position can approach liquidation. Borrowers must monitor the protocol's health metrics and thresholds.

Can I repay part of the debt?

The planned experience is designed to support partial repayment where the selected protocol allows it. Repaying debt generally improves position health. Full collateral release requires repayment of the remaining principal, accrued interest, and applicable protocol costs.

How will interest rates and fees work?

Rates can follow utilisation, borrower demand, and the smart contracts' market model. Transaction costs, network costs, supported assets, LTV caps, oracle prices, and liquidation parameters can change over time. MakePay plans to show the applicable parameters before confirmation.

What are the main risks?

Key risks include partial collateral liquidation, crypto-asset and stablecoin market risk, variable supply and borrowing rates, smart-contract failures, oracle failures, cross-chain and network risks, governance changes, liquidity constraints, and changes in legal or market availability.

Can a borrowed asset pay a merchant directly?

Direct merchant routing is a planned checkout use case, including crypto-backed pay later. The merchant-facing asset will depend on smart-contract market liquidity, technical integration, merchant configuration, and market availability.

Lending & Borrowing

Register interest

Tell us which supported assets you would like to supply, use as collateral, or borrow. This helps us prioritize use cases, markets, and product requirements.