Earn yield,
even while Wall Street sleeps.

Lend USDG to stock-backed borrowers at a fixed rate. Earn through the weekend.

Launch appView source
Stock feeds (24/5)
TSLA borrow limit now
weekday 55%
weekend 45%
0%40%80%MonTueWedThuFriSatSun
NVDA / USD
SPY / USD
USDG / USD

Live Chainlink prices on Robinhood Chain. Times in UTC.

Tokenized stocks trade around the clock. Their prices don't.

Prices freeze from Friday's close to Sunday night. Three ways to handle it.

The weekend problem →

Lend on Friday's price

Loans open on a stale price. Monday's gap becomes bad debt.

Hidden risk for lenders

Freeze everything

Safe for lenders, but borrowers cannot repay until Monday.

Stuck borrowers

Afterglow: follow the market clock

Limits tighten before the close. Repay always works. Lenders are paid for weekend risk.

Open all weekend, risk priced

Who needs it

$3.14B
tokenized stocks, 4.0M holders
rwa.xyz
$689M
USDG on Robinhood Chain
totalSupply()
$33.4B
borrowed against stock at Schwab, +59% a year
Schwab 2Q26 8-K

55% on weekdays. 45% into the weekend.

Borrowing pauses until prices return. Repaying never does.

How borrowing works →
LiveWed 11:00 New York
Wednesday 15:00 UTC

Prices are live. Borrow up to 55% of your collateral value.

TSLA borrow limit at this moment
55.00%
45%
55%
65%

Marks: weekend 45%, weekday 55%, liquidation 65%.

Wed 15:00
Borrow
Up to 55%
Repay
Always open
Add collateral
Always open
Liquidations
Above 65% LTV

Lenders pick a side of the weekend.

Protected
5%

Paid first. Shielded from weekend losses.

Boost
~25%

Earns every weekend premium. Takes losses first.

Example, fully lent. How the vaults work →

Wall Street's pledged-asset lines, onchain.

A fixed-rate market, a market-hours oracle and a Rust gap model.

A fixed rate to a fixed date

Know what you owe from day one. Repaying early costs only the days used.

You owe
P × (1 + r × t)
P = 10,000 USDG
r = 6% a year, t = days / 365
interest 46.03
10,046.03 USDG due
day 1maturity, day 28
Borrowers
Cash against your stock without selling. The rate never floats.
Lenders
A fixed return to a fixed date, secured by overcollateralized stock.

GapGuard, in Rust on Arbitrum Stylus

Learns each stock's weekend jumps. Sets the weekend limit and the premium.

−1.50%−0.75%0%+0.75%+1.50%σ 0.79%13w agolast
TSLA, last 13 weekendsreal Chainlink prints
Gap volatility
0.79%
Model limit
61.75%
not binding
Enforced
45%
Premium
7.8 bp/wk
How GapGuard works →

Phaselock oracle

Chainlink prices, locked to the US market calendar.

  • LiveFresh prices. The full weekday limit applies.
  • ClosingThe final 4 hours. The limit glides to the weekend level.
  • ClosedFeeds frozen. Repay and add collateral only.
  • HaltedCorporate action, outage or USDG depeg. No new debt, no liquidations.

Built to be audited

  • Repay can never be paused
  • No liquidation on a frozen price
  • USDG depeg circuit breaker (±2%)
  • 97 tests + 5 mainnet fork tests
Safety and testing →

Built on

  • settlement and stock tokens

  • GapGuard, written in Rust

  • the asset you borrow and lend

  • stock and USDG prices

  • smart accounts, sponsored gas

  • contract libraries

The fixed-rate credit layer for tokenized stocks.

Launch appView source