Lenders write their own terms
Your assets, your LTV, your rate.
MIDDLYHow it works
Keep the asset, spend the value
MIDDLY is peer to peer on Robinhood Chain, Ethereum, BNB Smart Chain and Base. There is no pool and no protocol-set rate: one lender funds your loan on terms they wrote themselves, and your collateral sits in escrow until you repay.
Deposit what you hold
Send ETH, BNB, a stablecoin or your tokenized stock to the MIDDLY treasury from your own wallet. It is credited after two confirmations on that network.
Take a lender's terms
Every listing names its rate, its term and a max LTV per asset. Pick one, lock your collateral, and the loan lands in your balance instantly.
Repay and unlock
Pay principal plus interest any time before the term ends and your collateral is released. Miss the term or cross the liquidation LTV and it goes to the lender.
FAQ
Questions, answered
Robinhood Chain, Ethereum, BNB Smart Chain and Base. Each network has its own order book, its own balances and its own collateral list, and one wallet signature signs you in on all of them. A loan never crosses networks: the collateral and the loan always sit on the same one.
On Robinhood Chain, any of the 194 tokenized stocks. On Ethereum, BNB and Base, blue chip tokens such as WETH, WBTC, LINK, cbBTC and the network native coin. In every case it has to be something the lender you picked accepts, and each lender sets their own max LTV per asset.
Two cases. Your loan to value reaches the liquidation level the lender set, or the term ends and the loan is still unpaid. In both cases the locked collateral transfers to the lender and the loan closes. A halted price, a stale quote, or a pool too thin to trust never triggers a liquidation.
Simple interest on the principal at the listing's APR, accruing by the second from the moment the loan opens. Repay early and you only pay for the time you held it.
MIDDLY is custodial. Every deposit goes to the treasury on that network and your balance lives in the ledger, with payouts signed server side. Balances can never go negative, and withdrawals only ever pay the wallet that owns the balance, on the network the balance is on.
Nothing to post a listing. The protocol fee is taken out of the interest you earn, never out of your principal, and it is shown on the listing before you post it.
Get started
Put your portfolio to work
Connect a wallet, deposit what you already hold, and borrow against it or lend it out on terms you set yourself.
Open the app