Lend
Learn how to earn predictable yield by providing USDT liquidity on Libre's decentralized lending platform.
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Learn how to earn predictable yield by providing USDT liquidity on Libre's decentralized lending platform.
Last updated
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Libre offers a secure way to earn predictable yield by providing USDT liquidity to the platform. All loans are 200%+ collateralized by Bitcoin, ensuring transparency and minimizing risk. Unlike traditional lending platforms, Libre's decentralized system ensures your funds are not exposed to speculative risks, trading, derivatives, or third-party lending.
Connect your wallet to the Libre platform at
Review the available lending pools with different terms and rates:
30-day pool: 8% APY
90-day pool: 9% APY
365-day pool: 12% APY
Custom pools created by the community
Each pool has different durations and interest rates, allowing you to choose based on your liquidity preferences.
Select the amount of USDT you wish to lend
Review the expected yield based on the pool's current APY
Confirm the transaction to deposit your USDT into the lending pool - you will receive "TP" tokens (Tether Pool) that you can redeem for USDT at any time - or sell to another Libre account
Your USDT is now available for borrowers to take loans against their Bitcoin collateral.
Interest accrues based on the utilization of your deposited USDT:
When borrowers take loans using your provided liquidity, you earn interest
Interest rates are fixed for the duration of each loan
Your earnings are calculated and displayed in real-time on the platform
Depending on the pool you've chosen:
For open-ended pools: Redeem your LP to withdraw your USDT plus earned interest at any time, subject to liquidity availability
For fixed-term pools: Redeem your LP to withdraw your USDT plus earned interest after the term expires
All loans on Libre are secured by Bitcoin collateral with built-in safety mechanisms:
Overcollateralization: Loans require Bitcoin collateral valued higher than the borrowed amount
Liquidation process: If a borrower's Loan-to-Value (LTV) ratio reaches 80%, they have 72 hours to add more collateral or reduce their loan before liquidation
Smart contract automation: Liquidations are handled programmatically by smart contracts, not by centralized entities
Transparent system: All collateral can be audited on-chain at any time
Predictable yield: Fixed interest rates provide certainty about your returns
Bitcoin-backed security: All loans are collateralized by Bitcoin
No speculative risks: Your funds are not exposed to trading or derivatives
Full transparency: Monitor collateral and utilization in real-time
No intermediaries: Interact directly with the protocol through smart contracts
Flexible options: Choose from multiple lending pools with different durations and rates
The libreDEX plays a crucial role in the lending ecosystem:
Used by the loan liquidation engine to wrap and trade Bitcoin during liquidations
Creates opportunities for traders to buy liquidated assets at 1% below market rate
Provides market liquidity that supports the overall lending platform
While Libre is designed to minimize risk, lenders should be aware of:
Utilization risk: Your yield depends on borrower demand for loans
Smart contract risk: Although audited, all DeFi platforms carry some level of smart contract risk
Market volatility: Extreme Bitcoin price movements could affect the liquidation process
Q: Is there a minimum amount required to lend? A: There is no minimum amount required to lend on Libre. You can provide as little or as much USDT as you wish.
Q: How is my yield calculated? A: Your yield is calculated based on the fixed interest rate of the pool you choose and the utilization of your deposited funds.
Q: What happens if no one borrows my USDT? A: You only earn interest when your USDT is borrowed. If utilization is low, your effective yield may be lower than the advertised APY.
Q: Can I withdraw early from a fixed-term pool? A: Early withdrawals from fixed-term pools may be subject to penalties or restrictions. Check the specific terms of each pool before lending.
Q: How does Libre ensure the safety of my funds? A: Libre ensures safety through overcollateralization, transparent liquidation processes, and smart contract automation. All loans are backed by Bitcoin collateral that can be audited at any time.