Hashstack

Hashstack provides innovative, permissionless loans that allow you to borrow up to 500% of your collateral for personal and trading needs.

In the current DeFi landscape, most lending options are over-collateralized, forcing borrowers to lock up collateral worth an average of 48% more than the loan amount. This approach presents significant challenges: borrowers are often reluctant to take out loans that require more collateral than they need, leading to underutilization of available capital. Additionally, the volatility in asset deployment causes fluctuations in supply and borrowing APR, making loans even less appealing. Hashstack addresses these issues by offering under-collateralized loans that allow borrowers to access up to 500% of their collateral. Our platform is designed to fulfill both personal and trading capital requirements without imposing extra risks on liquidity providers, borrowers, or the protocol itself. As users engage more with Hashstack, their borrowing capacity increases, enabling them to leverage their assets effectively. Borrowers can either use the full loan amount for trading or withdraw up to 70% of their collateral for personal use while still utilizing the rest for trading. Importantly, while borrowers have the freedom to spend their debt, the protocol maintains ownership, ensuring a secure lending environment. Hashstack also carefully selects supported dapps and assets to enhance the trading experience, making it easier for users to maximize their capital.