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Custodial lending · Solana

Use your idle Pump.fun tokens to draw SOL — without selling.

Lock your bonded tokens and a SOL credit lands in the same wallet within seconds. Repay with a flat 5% to unlock — no chart-watching, no signatures, nothing to connect.

$VAULTIE

Features

Built to be conservative

Every position is heavily overcollateralized and capped per token, so one borrow can never move the market or drain the pool. All values are configurable starting parameters.

10–15%

Loan-to-value

Draw 10% of appraised value by default, 15% with the $VAULTIE stake. Tiny relative to collateral, by design.

5%

Flat interest

One flat 5% on the credit — repay credit × 1.05. No compounding, no variable APR, no surprise haircuts.

10%

Smart Cap

At most 10% of a token's pool liquidity is lockable, so max credit per token stays near ~1% — forced sales barely touch price.

−50%

Liquidation

If spot falls 50% below entry, the position closes automatically. Credit + interest covered first; the rest splits 50/50.

No address

Send to borrow

Credit goes back to whichever wallet sends the tokens. Nothing to connect, nothing to sign, nothing to type.

Custodial

Off-chain MVP

The backend runs the lock addresses and treasury — no smart contract yet. You trust the operator. We state that plainly.

How it works

Lock → Borrow → Repay

Send your tokens to a one-time address and the matching SOL comes straight back to the same wallet. Settle with interest to reclaim them, or the position closes out if the price halves.

STEP 01

Lock

Look up a bonded token and send it to a one-time lock address. No wallet pop-ups, no signature, no address to paste.

STEP 02

Borrow

SOL returns to the wallet you sent from — 10% of appraised value, 15% with the $VAULTIE boost. Fixed from the live price the moment your tokens land.

STEP 03

Repay

Pay back the credit plus 5% any time to release your tokens. If spot drops 50% from entry, the position closes and proceeds split 50/50.

Rewards

Every loan pays. Pick your side.

Borrowers draw liquidity against their bags. Lenders fund those loans and take the interest. The $VAULTIE token sits between them — staking it widens what borrowers can draw.

LP

Supply SOL

Be the lender. Your SOL funds positions across hundreds of tokens, and you keep the bulk of every interest payment. APR rises with utilization.

Open the pool →
15%

Stake $VAULTIE

Stake ≥ 10M $VAULTIE to lift your borrow LTV from 10% to 15% — more credit for the same collateral. That's the token's core job.

Stake →
5%

Earn the interest

Every position repays credit × 1.05. Interest is protocol revenue, and a share streams back to the SOL providers who funded the loan.

Read the model →
Market stats

Live on Solana

0
SOL in liquidity
0
Credit outstanding
0
Open positions
0
LP APR (dynamic)
Questions

Before you borrow

What can I borrow against? +

Bonded Pump.fun tokens — ones that have migrated off the bonding curve onto an AMM. Support for still-bonding tokens is on the roadmap.

How do I receive the SOL? +

No address fields. Send your tokens to the lock address from your own wallet, and the credit is paid straight back to that same wallet.

What if the price drops? +

If spot falls 50% below your entry, the position closes: tokens are sold, credit + interest covered first, any surplus split 50/50. You never owe more than the collateral.

What does $VAULTIE do? +

Staking ≥ 10M $VAULTIE raises your borrow LTV from 10% to 15%. That's the token's core utility; interest revenue and LP rewards are separate streams.

Is this custodial? +

Yes. In this MVP the backend controls the lock addresses and treasury — you trust the operator, not a smart contract. High risk; size accordingly.