🌊 Credit,
not pools.
The first structured credit protocol. Create your own loan book. Match borrowers and lenders directly. Fixed rates, structured terms. No socialized risk pools. Live on Base.
🔥 Pool Lending is Broken
One rate curve for all borrowers. One bad position and everyone pays. Variable rates swing 100%+. That's not credit. It's a shared risk bucket.
See What Pools Are Costing You
Based on observed lending spreads.
🏗️ The Spread Pools Take from You
🏗️ The Spread Pools Take from You
Borrower pays: 12.8%
Lender earns: 3.6%
9.2% LOST TO POOL
Floe matched rate: 7.4%
Same collateral. Same borrower risk.
Different architecture.
⚡ The loan order book onchain.
We eliminated the pool. Floe matches borrowers and lenders directly.
⚡ The loan order book onchain.
We eliminated the pool. Floe matches borrowers and lenders directly.
1
Create Your Loan Book. Or Borrow Order.
Specify what you want: asset, rate, term, collateral. Or just tell Lendr in plain english.
1
Create Your Loan Book. Or Borrow Order.
Specify what you want: asset, rate, term, collateral. Or just tell Lendr in plain english.
1
Create Your Loan Book. Or Borrow Order.
Specify what you want: asset, rate, term, collateral. Or just tell Lendr in plain english.
2
Match
Browse existing intents and match manually. Or bots algorithmically match compatible intents. Your choice.
2
Match
Browse existing intents and match manually. Or bots algorithmically match compatible intents. Your choice.
2
Match
Browse existing intents and match manually. Or bots algorithmically match compatible intents. Your choice.
3
Loan executes, protected positions.
Smart contract escrows collateral and executes loan. Fixed rates, fixed terms. Programmatic margin calls protect lenders.
3
Loan executes, protected positions.
Smart contract escrows collateral and executes loan. Fixed rates, fixed terms. Programmatic margin calls protect lenders.
🤖 Meet Lendr, the First Credit Agent
🤖 Meet Lendr, the First Credit Agent
1
Plain English --> Credit
Just say what you need in plain english. Lendr handles intent creation, matching and execution.
1
Plain English --> Credit
Just say what you need in plain english. Lendr handles intent creation, matching and execution.
1
Plain English --> Credit
Just say what you need in plain english. Lendr handles intent creation, matching and execution.
2
Every Channel is a Credit Channel
Every interaction on X, Telegram, Base App or Farcaster.
2
Every Channel is a Credit Channel
Every interaction on X, Telegram, Base App or Farcaster.
2
Every Channel is a Credit Channel
Every interaction on X, Telegram, Base App or Farcaster.
3
Credit for AI Agents
Floe supports AI agents from using Openfort, Coinbse Agentkit and others to make Floe the credit layer for the agent economy.
3
Credit for AI Agents
Floe supports AI agents from using Openfort, Coinbse Agentkit and others to make Floe the credit layer for the agent economy.
1
The first AI agent that executes DeFi lending via natural language.
@LendrBot borrow $10k against WETH at 9% max.
1
The first AI agent that executes DeFi lending via natural language.
@LendrBot borrow $10k against WETH at 9% max.
2
In App • Telegram • X Alerts
Chat in-app, DM @LendrBot on Telegram, or ge real time arb alerts on X.
2
In App • Telegram • X Alerts
Chat in-app, DM @LendrBot on Telegram, or ge real time arb alerts on X.
3
X Notifications
Get real-time alerts on earn or borrow opportunities and matches delivered straight to X. Follow @LendrBot.
3
X Notifications
Get real-time alerts on earn or borrow opportunities and matches delivered straight to X. Follow @LendrBot.
X NOTIFICATIONS
Real-time alerts on opportunities, arbs, and matches. Follow in x.com/LendrBot
X NOTIFICATIONS
Real-time alerts on opportunities, arbs, and matches. Follow in x.com/LendrBot
TELEGRAM BOT
DM to borrow/lend instantly. t.me/LendrBot e.g. Borrow $15K USDC using my Bitcoin
TELEGRAM BOT
DM to borrow/lend instantly. t.me/LendrBot e.g. Borrow $15K USDC using my Bitcoin
TELEGRAM BOT
DM to borrow/lend instantly. t.me/LendrBot e.g. Borrow $15K USDC using my Bitcoin
💎 For Borrowers
Tell LendrBot What You Need
"Borrow $50k against my AAPL shares at 8% APR max."
Tell LendrBot What You Need
"Borrow $50k against my AAPL shares at 8% APR max."
Lendr Creates Your Intent
Translates your request onchain actions with your exact terms. You sign securely.
Lendr Creates Your Intent
Translates your request onchain actions with your exact terms. You sign securely.
Lendr Creates Your Intent
Translates your request onchain actions with your exact terms. You sign securely.
Get Matched P2P
Connected directly with lenders, no pool dilution, keep your upside
Get Matched P2P
Connected directly with lenders, no pool dilution, keep your upside
🌊 For Lenders
Create Loan Book
Define maturity, repayment terms, rates, collateral types, and risk parameters.
Create Loan Book
Define maturity, repayment terms, rates, collateral types, and risk parameters.
AI Optimized Matching
AI Agent translates your request into an onchain intent with your exact terms. You sign securely.
AI Optimized Matching
AI Agent translates your request into an onchain intent with your exact terms. You sign securely.
AI Optimized Matching
AI Agent translates your request into an onchain intent with your exact terms. You sign securely.
Earn Predictable Yield
Fixed rates, transparent terms, institutional-grade collateral.
Earn Predictable Yield
Fixed rates, transparent terms, institutional-grade collateral.
🏗️ Beyond Lending: The Hook Architecture
🏗️ Beyond Lending: The Hook Architecture
Floe isn't a lending protocol. It's a coordination layer.
Every credit position is a surface what services attach to.
Liquidation & Matching | Third-party bots
Oracles | Chainlink, Pyth
Compliance | KYC/AML op-in
Vaults | Yield aggregators
Ramps | Fiat rails
Notifications | Telegram Bot, X Alerts
🌊 Built for Three Audiences.
Institutions
Create and manage a loan book on Floe. Fixed rates, maturity, repayment terms, isolated counterparty risk. Permissionless base layer with permissioned options for regulated entities.
Institutions
Create and manage a loan book on Floe. Fixed rates, maturity, repayment terms, isolated counterparty risk. Permissionless base layer with permissioned options for regulated entities.
Institutions
Create and manage a loan book on Floe. Fixed rates, maturity, repayment terms, isolated counterparty risk. Permissionless base layer with permissioned options for regulated entities.
DeFi Mullet Natives
Set your own rates. Pick your risk. No more subsidizing bad debt in a shared pool. On Floe, every position is bilateral and isolated. You choose your collateral, your counterparty, your terms. If your borrower defaults, that's your position — not a pool-wide event.
DeFi Mullet Natives
Set your own rates. Pick your risk. No more subsidizing bad debt in a shared pool. On Floe, every position is bilateral and isolated. You choose your collateral, your counterparty, your terms. If your borrower defaults, that's your position — not a pool-wide event.
Investors
First mover in bilateral DeFi credit. Trading evolved from AMMs to order books. Lending is next. Floe is the first credit DEX — direct matching with fixed terms and isolated risk. Live on Base mainnet.
Investors
First mover in bilateral DeFi credit. Trading evolved from AMMs to order books. Lending is next. Floe is the first credit DEX — direct matching with fixed terms and isolated risk. Live on Base mainnet.
Investors
First mover in bilateral DeFi credit. Trading evolved from AMMs to order books. Lending is next. Floe is the first credit DEX — direct matching with fixed terms and isolated risk. Live on Base mainnet.
🛡️ Security
🛡️ Security
Audited by Omniscia
Read Report (pdf)
💰 Liquidity Partners
💰 Liquidity Partners
Seed loan books.
3-12 month terms
10+% target APY
Dedicated support
Seed loan books.
3-12 month terms
10+% target APY
Dedicated support
Your Questions, Answered
Your Questions, Answered
Find everything you need to know about Floe and LendrBot.
Find everything you need to know about Floe and LendrBot.
What makes Floe different from Aave or Morpho?
Is Floe audited?
What is Lendr?
What collateral types are supported?
What makes Floe different from Aave or Morpho?
Is Floe audited?
What is Lendr?
What collateral types are supported?
How does Floe make money?
What is the Telegram bot?
What are X notifications?
How can I contact support?
How does Floe make money?
What is the Telegram bot?
What are X notifications?
How can I contact support?
Ready to ditch the pool?
Credit that works like credit.