Lendr.fi Overview
Last updated
Last updated
This documentation is actively being updated for V2.1, changes are still being made.
Lendr brings the world’s most familiar investments—stocks, ETF, gold, real-estate, and more—directly onto the blockchain as tokens with built in additional yield from market-neutral trading strategies.
Lendr accomplishes this by creating the world's first liquid-staked real world asset tokens for any asset class that can be used anywhere in DeFi.
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Mission. Globalizing access to every real world asset class with deeper liquidity and superior returns compared to web2.
Vision. A future where every asset class is readily available on-chain to use in diversified portfolios and novel protocols/strategies. Tradable 24/7, instantly transferable, no minimum purchase amounts or major barriers to entry.
Equal financial opportunities for all.
Lendr tackles four persistent frictions that keep real‑world assets out of reach for most investors:
Limited Global Access to Blue‑Chip Real World Assets (RWAs)
Tokenizes top assets like the S&P 500, gold, U.S. real‑estate, and sector ETFs (AI, Healthcare, etc.) into tokens that are multi-chain, DEX accessible, & legally compliant.
Illiquidity & Slow Settlement
Converts traditionally slow‑moving assets into 24 / 7, self‑custodied tokens that can be swapped, staked, or bridged in seconds.
Missed Yield Opportunities
Off-Chain: Market neutral and low-risk trading strategy yields are automatically added to Lendr RWA token returns. On-Chain: Lendr RWA tokens are compatible with existing DeFi protocols.
Opaque Security & Trust
Publishes Proof‑of‑Reserve and subjects smart contracts to independent audits and bug‑bounties.
Lendr distinguishes itself in the rapidly growing RWA‑tokenization space through:
Liquid‑Staked RWA Tokens
Full RWA price exposure plus auto‑compounded market-neutral yield built directly into on-chain RWA tokens. Ethena-like protocol architecture.
Seamless DeFi Composability
Lendr's RWA Tokens integrate with DEXes and existing DeFi protocols, unlocking new RWA yield opportunities and global liquidity.
Enterprise‑Grade Partnerships/Accelerators
Circle - Alliance
Avalanche - Codebase
Chainlink - BUILD
Animoca Brands/Brinc - ZK Advancer
Regulation‑Aware Architecture
Lendr uses a ERC‑3643 compliance layer to maintain multi-jurisdictional regulatory compliance and pave the way for future U.S. rollout.
Security by Design
Regular third‑party audits, bug‑bounty programs, enterprise grade oracles, proof of reserves, and tier 1 custodial partners underpin Lendr.fi's technical infrastructure.
Together, these pillars make Lendr the first platform to deliver liquid, yield‑enhanced, institution‑grade real‑world assets with DeFi compatibility to a truly global audience.
Swap – Trade 1 : 1 USDC → USDL.
Deposit USDL – Pick an RWA vault (S&P500, Gold, etc.) and receive a Liquid Staked RWA Token that tracks the asset + extra yield (from low-risk/market neutral trading strategies).
Earn & Withdraw – Yield auto‑accrues in the token price; swap freely or redeem for stablecoins whenever you’re ready.
USDL
USD stablecoin, fully collateralized entry/exit coin
✅
LsRWA Tokens
RWA asset + extra yield (lsSP500, lsGOLD, lsUSRE, lsUSAI)
❌
LNDR
Governance & utility token; Stake to earn protocol rewards
✅
*USDL & LNDR bridge via LayerZero; each LsToken has one USDL vault per chain.
lsSP500
S&P 500 ETF shares
RWA + 2 – 3 % Added Yield
lsGOLD
Vaulted Gold / GLD ETF
RWA + 1 – 2 % Added Yield
lsUSRE
U.S. Real‑Estate REIT ETF
RWA + 2 – 4 % Added Yield
lsUSAI
AI & Robotics Equity ETF
RWA + 3 – 5 % Added Yield
*Net of fees; actual returns vary with market conditions.
Backed 1 to 1 with collateral held by a regulated custodian
Chainlink Proof‑of‑Reserves
SAFU insurance fund
Tier‑1 audits & live bug‑bounty program
Lendr.fi is a member of the Circle Alliance, Avalanche Codebase, Chainlink BUILD, and Anomica Brands/Brinc accelerator/partnership programs, and has won 1st place prizes in BNB Chain and Chainlink Hackathons from 1inch and Truflation.
