Borrow SOL againstyour memecoinswithout selling.
Eopay turns the assets you already hold into instant liquidity. Lock collateral, borrow SOL, keep your upside — and build an on-chain credit score with every repayment.
Four systems.
One credit primitive.
Collateral Vault
Deposit memecoins, tokenized stocks, SPL tokens or LP positions into a non-custodial vault. Your assets stay on-chain, your exposure stays intact — they just start working as collateral.
Loan Engine
Borrow SOL against your locked collateral in seconds. Dynamic LTVs, transparent interest, and instant settlement — no intermediaries, no approvals, no selling your bags.
Risk Layer
Real-time oracle pricing, per-asset risk parameters and health-factor monitoring keep every position solvent. The protocol prices volatility so lenders stay protected.
Automated Liquidation
If a health factor drops below threshold, on-chain liquidation flows unwind positions automatically — protecting the lending pool while giving borrowers fair, predictable rules.
Lock. Borrow. Repay.
Keep your upside.
1import { eopay } from '@eopay/sdk'23const vault = await eopay.deposit({4 asset: 'BONK',5 amount: 2_500_000,6 wallet: connection.publicKey7})
Your wallet history
is your reputation.
Eopay turns on-chain activity into a transparent, portable credit score. The more you borrow and repay responsibly, the better your terms — no banks, no paperwork, just provable behavior.
On-time repayments are the strongest signal of creditworthiness.
Total value borrowed and settled over the wallet's lifetime.
Frequency and consistency of healthy loan positions.
Older, active wallets signal a longer on-chain track record.
A spread of collateral types lowers concentration risk.
Your bags are
collateral.
From the hottest memecoins to tokenized stocks and blue-chip SPL tokens — Eopay accepts the Solana assets you already hold. Each market has its own oracle feed and risk-adjusted LTV, so liquidity is always priced fairly.
Liquidity you
can verify on-chain.
Plugged into the
entire Solana stack.
Wallets, oracles, DEXs and launchpads — Eopay composes with the protocols you already trade on.
Solvency is
non-negotiable.
Every loan is overcollateralized, continuously priced, and protected by automated liquidation. Borrowers get liquidity, lenders get safety — enforced by code, not promises.
Non-custodial vaults
Collateral is held by on-chain programs, never a company. Your keys, your assets, your control.
Real-time oracle pricing
Pyth and Switchboard feeds price every market continuously to keep health factors accurate.
Isolated risk parameters
Per-asset LTV, liquidation thresholds and caps stop volatile collateral from contaminating the pool.
Audited & open source
Programs are independently audited and fully verifiable on-chain. Trust the code, not the team.
Composable
credit on Solana.
Integrate Eopay lending, collateral vaults and on-chain credit scores into your own dApp with a clean, fully-typed SDK.
TypeScript native
Fully typed SDK with auto-generated program types.
Wallet adapter ready
Works with Phantom, Solflare, Backpack out of the box.
On-chain credit API
Read any wallet's Eopay credit score in one call.
Anchor IDLs included
Compose Eopay programs directly into your dApp.
npm install @eopay/sdk# oryarn add @eopay/sdkpnpm add @eopay/sdk
"Borrowed SOL against my BONK bag without selling a single token. Eopay is exactly what Solana lending needed."
0xMochi
Memecoin trader, @0xmochi
62% LTV on memecoins
Built on the protocols you already use
No subscriptions.
Just on-chain rates.
Eopay is permissionless. Borrow, supply, or build — pay only protocol interest, never a platform fee.
Borrow
Unlock SOL liquidity from assets you already hold
- Up to 80% LTV on blue-chip collateral
- Memecoins & tokenized stocks accepted
- Instant SOL settlement
- No fixed term — repay anytime
- Build on-chain credit as you repay
Supply
Provide liquidity and earn real borrowing yield
- Earn yield from real borrowing demand
- Withdraw anytime, subject to liquidity
- Risk-isolated lending pools
- Auto-compounding interest
- Transparent, on-chain accounting
Build
Embed Eopay credit into your own dApp
- Full TypeScript SDK + Anchor IDLs
- Read any wallet's credit score
- Compose vaults & loan engine
- Wallet adapter ready
- Open-source & audited programs
Rates are dynamic and set by on-chain utilization. See how rates work
Borrow without
selling your bags.
Turn the Solana assets you already hold into instant SOL liquidity. Permissionless, non-custodial, on-chain.
Connect a wallet · No signup required