Pools and APY
Non-custodial. No impermanent loss. Isolated. Organic rates. No liquidations.
Stackfi passive lending is similar to Compound or Aave, but with composable leverage benefits and isolated risks.
How it Works:
Lend a single asset to a pool (e.g., USDC, WETH, WBTC)
Earn APY from borrowers using leverage via Credit Accounts
No impermanent loss, no liquidations for lenders
Multiple pools per asset, each with different AllowedLists
sTack Tokens (sTokens):
ERC-4626 yield-bearing pool tokens (e.g., sUSDC, sWETH)
Automatically accrue interest
Rewards (e.g., Stack tokens) accrue to staked sTokens
Claim extra token rewards manually
Where Does Yield Come From?
Utilization Curve:
Two-tick model smooths rates to prevent volatility.
APY increases with utilization ratio.
r(t) based on U1, U2 thresholds (see table in docs)
Example USDC Pool Rates:
r0 = 0%, r1 = 1%, r2 = 1.25%, r3 = 100%
U1 = 70%, U2 = 90%
Gauges (Extra Interest):
Distributed between pools & DAO
Dynamic source of income
STACK Token Rewards:
Distributed to staked sTokens
Must be manually claimed
Lending on StackFI is simple, passive, and powerful. Try supplying liquidity and earn real yield.
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