Put your tokenized stocks to work.
Borrow dollars at a rate you set. Earn what borrowers pay.
Built for a global economy.
Your assets
stay yours
Transparent
by design
Built for
real markets
For borrowers
Use your tokenized stocks as collateral and borrow fyUSD at a rate you set yourself. Keep the exposure, keep the dividends, repay when you want.
Up to 80% LTV
on tier 1 collateral
You set
the interest rate
Works 24/7
no Monday shock
For earners
Deposit USDG into a Stability Pool and receive the interest borrowers on that branch actually pay. One transaction in, one transaction out.
Real yield
from real activity
Transparent
and verifiable
Understand
the risks
61% of fyUSD supply
7.6% average chosen rate
realized, not a forecast
$25.40M left to lend
realized yield = pool share × average borrower rate × total debt ÷ pool size9.1% = 0.9 × 7.6% × $24.50M ÷ $18.42MDepositors are paid the interest borrowers actually paid, nothing else. In phase 1, 90% of interest goes to the Stability Pool, 10% to fyUSD liquidity, 0% to a treasury.
This figure is history over the last 30 days. It moves with the average rate borrowers choose and with the size of the pool, and nobody promises it.
Markets
Last official print 1h 32m ago · band ±4.0%
The 24/7 price is anchored on a recent official print.
A more efficient financial system
An index certificate in a wallet in Lisbon, Manila or São Paulo is worth the same as one in a brokerage account, and it can now do the same job: back a dollar loan at a rate its owner picks, at any hour, without an account manager and without asking anyone.
Fyber is the credit layer for that. It never takes custody of a decision. The contracts are immutable, the parameters are formulas, and the only human power that exists is the power to close, which expires after one year.
Supported markets
SPY
SPDR S&P 500 ETF Trust
$662.20
+0.72%
QQQ
Invesco QQQ Trust
$376.90
+1.11%
Broad-market funds, gold and silver. A fund spreads its own issuer risk, which is why these carry the widest ratios.
One company each. Nothing diversifies a single stock, so its tier is set by how deep its token trades and how far it can fall in a day.
Twenty branches are deployed at genesis. SPY and QQQ lend from day one; the other eighteen sit closed until the criteria written on each of them are measured to be true. Nothing can be added later, and nothing can be woken sooner.
Built on
Fyber runs natively on Robinhood Chain, chain id 4663. That is where the tokenized index certificates live and where USDG already sits, so there is no bridge between your collateral and your loan, and none between your dollars and the pool.
Fyber is not operated by, affiliated with or endorsed by Robinhood. It is a set of independent contracts deployed on a public chain.
Public
Immutable
Open source
