US STOCK LENDING · A CURATOR ON MORPHO
PRE-LAUNCH — BUILDING IN PUBLIC

Hold the stock.
Borrow the cash.

Borrow USDG against tokenized US equities. Depositors receive the interest borrowers pay. Immutable contracts, published revenue, and a machine-readable interface — built to be used by people and autonomous agents alike. CODE IS LAW.

Project Status — Pre-launch
[x]Design + adversarial review
[x]Oracle adapter — differential-tested on live feeds
[x]2M-round fuzz · Foundry 9/9 · Slither clean
[x]Historical-exploit sweep — no applicable vector
[x]Interface live — 76 issuer-verified markets
[ ]AI red-team replay + shadow period
[ ]Mainnet soft-launch: AAPL, small caps
[x]Points engine + public liquidation ledger
[ ]Solon vaults + conservative markets — genesis
Scroll to Explore
>BORROW

Post tokenized equities as collateral and draw USDG without selling the position.

$ supplyCollateral(AAPL, 4.0)
$ borrow(USDG, 300)

> health 1.68 · rate priced by feed
Isolated markets · issuer-verified collateral · liquidation price disclosed before borrowing
>EARN

Supply USDG to a curated vault and receive the interest borrowers pay. Withdraw at any time.

$ vault.deposit(USDG, receiver)

> ERC-4626 shares · real interest
> + Solon points, airdrop exposure
Yield derives from borrower interest, not from emissions
>FOR AGENTS

One repository, one wallet, direct contract calls. No account, no API key, no server in the path.

$ git clone github.com/solonlend/skill

> SKILL.md · addresses · ABIs · formulas
> no frontend, no server of ours
CODE IS LAW — market parameters are immutable after creation
Morpho Blue///MetaMorpho///Robinhood Chain///Chainlink Feeds///USDG///Isolated Markets///Immutable Contracts///solon-skill///ERC-4626///Solidity///Foundry///Slither///CODE IS LAW///Morpho Blue///MetaMorpho///Robinhood Chain///Chainlink Feeds///USDG///Isolated Markets///Immutable Contracts///solon-skill///ERC-4626///Solidity///Foundry///Slither///CODE IS LAW///
01

How It Works

Deposit USDG and earn the interest borrowers pay. Post AAPL, NVDA and more as collateral to draw USDG without selling your stock. Prices come from official Chainlink feeds — never a manipulable pool. Under-collateralized positions are closed; a reserve backs the gap.

The Flow of USDG
DEPOSITOR — supplies USDG
USDG
VAULT
SUPPLYLENDEARN
lend
BORROWERposts AAPLx · draws USDG
Pricing
ORACLE — Chainlink feed only
1Depositor supplies USDG into the vault
2Vault lends that USDG to the markets
3Borrower posts tokenized equities as collateral
4Borrower draws USDG — without selling the stock
5Interest paid by borrowers flows back to depositors
6Under-collateralized positions are liquidated; a reserve backs the gap
Markets Live
2 (AAPL, NVDA)
Core Contract
Morpho Blue
New Code
~80 lines
Fuzz Rounds
2M
agent@solon:~
robinhood-chain · 4663
Boot Sequence
_
System Overview

Solon Core

A curator vault on Morpho Blue. Immutable contracts, an official Chainlink oracle, public revenue.

>Deposit:USDG · earn borrower interest
>Collateral:AAPL, NVDA, TSLA, SPY + 39 more
>Pricing:Chainlink feed · never pool price
>Points:for vault users · replayable
02
The part nobody else can copy.

A bank an AI agent runs by itself.

Regulated products can never let an AI borrow on its own. Solon can. An agent reads one machine-readable file, brings its own wallet, and calls immutable contracts directly — no frontend, no middleman, no server of ours in the loop. Rules can't change under you.

Guarantee Inspector
GuaranteeMACHINE-READABLE
BasisPublic
What it rests onOne repo an agent pins once
Mechanisms> solon-skill repo — the whole interface> Raw calldata + ABI, no SDK lock-in
01
Interface
solon-skill (pinned repo)
02
Wallet
Bring-your-own key
03
Access
Direct contract calls
04
Rules
Immutable · CODE IS LAW
03
Isolated markets. Bad debt never spreads.

Markets

LIVE

Each market is one collateral, one loan token, one oracle, one cap — a bad oracle or a crashing token can never touch another market. USDG is the only borrowable asset. Every listed collateral is issuer-verified on-chain against Robinhood's token beacon — fake tickers exist on this chain, and they don't get in.

CollateralLLTVLoanOracleSuppliedStatus
NVDA0xd060…0d9eec
62.5%USDGChainlink$2.0k
live
MSFT0xe932…9c2e74
62.5%USDGChainlink$1.6k
live
AAPL0xaf3d…8a93f9
62.5%USDGChainlink$1.3k
live
QQQ0xd5f3…88de68
62.5%USDGChainlink$1.3k
live
META0xc0d6…e02f35
62.5%USDGChainlink$1.3k
live
Markets Live76
Issuer-verified100%
LLTV Tiers38.5–86%
Bad Debt$0
agent@solon ~ borrow
# borrow USDG against AAPL — raw, calling morpho_core directly

$ AAPL.approve(morpho, 4.0e18)
$ morpho.supplyCollateral(marketAAPL, 4.0e18, you, 0x)
$ morpho.borrow(marketAAPL, 300e6, 0, you, you)

> collateral $1,307  ·  borrowable $817 at 62.5% LLTV  ·  health 1.68
# repay: USDG.approve(morpho, amt); morpho.repay(marketAAPL, amt, 0, you, 0x)
Live now76 stock/ETF → USDG markets
Issuer checkbeacon-verified, on-chain
Solon vaultsconservative LLTV · at genesis
Loan tokenUSDG only
04
The only bank with its revenue on the door.

We show you exactly how we make money.

Traditional banks hide how they make money off you. We do the opposite — three revenue lines, every address, on-chain and queryable. You don't need to know who we are; you can see every dollar we earn. Core contract is official Morpho Blue, unmodified — verify the byte-diff yourself.

Interest spreadLine 1/3
1  // A % of the interest borrowers pay
2  fee       = interest * fee_rate      // set on our MetaMorpho vault
3  fee       -> fee_recipient (0x…TBD)  // on-chain, anyone can read
4
5  depositor_apr = borrow_apr * utilization * (1 - fee_rate)
6
7  // We earn the spread. Depositors see exactly what is left.
Verify

Core contract = official Morpho Blue, unmodified.

Verify the byte-diff yourself. Every revenue address is on-chain and queryable — no trust required.

Interest spreadfee → public address
Liquidationspublic ledger, every event
Tokenrevenue buyback · public
Coreofficial Morpho · byte-diffable
05
Public progress is an anonymous team's strongest trust.

Build in Public

Everything shippable is open and verifiable. Run the audit pack yourself — it hands your own AI the code, the byte-diff against official Morpho, and a five-seat adversarial prompt, and prints a report you didn't have to trust us for.

You don't need to know who we are. You can read the code, diff it against official Morpho, and run the audit on your own machine.

Public progress is an anonymous team's strongest trust.

Project Status
[x]Design + adversarial review (5-seat + 3-seat)
[x]Oracle adapter — differential-tested on live feeds
[x]2M-round fuzz · Foundry 9/9 · Slither clean · historical-exploit sweep
[ ]Interface live — 76 issuer-verified markets, points, public liquidation ledger
[ ]Adversarial replay of historical exploits + shadow period
[ ]Vault genesis and soft launch — conservative caps, allowlist
audit pack — run it yourself
$ ./audit/run.sh
Fetching Solon contracts + official Morpho bytecode...
✓ byte-diff vs official Morpho: 0
✓ foundry: 9 passed, 0 failed
slither: no high-severity findings
historical-hack sweep: bZx / Euler / Mango — all clear
report written → ./audit/report.md

Immutable contracts. An official oracle. Revenue on the door.

90% audited open source. ~80 lines our own. Verify all of it.

Run the audit pack
New code~80-line oracle adapter
Fuzz2M rounds · invariants hold
BytecodeFoundry 9/9 · Slither clean
History sweepbZx/Euler — all clear
>
Try it — as an agent would

Agent Terminal

The same calls an autonomous agent makes against the contracts — supply, borrow, watch health, repay. Type a command, or let the demo run. No account, no server of ours in the loop.

agent@solon ~ borrow against AAPL
Solon agent terminal — a human watching an AI borrow, live.
Type "help", or watch the demo run.
 
$
Get the skill ->A real agent needs no UI — it pins the skill repo once and calls the contracts. This page shows a human how.