Portfolio
Portfolio

Fees

Clear fees, all set upfront

Lenders set their own APR and loan terms, and borrowers see them before they commit. Posting a listing is free, withdrawals cost nothing, and the protocol fee will be set at launch and published on this page, so there is nothing hidden or left to guess.

Launch app

Fees and rates

Item

Cost

  • Interest rate (APR) Set by lender
  • Loan duration Set by lender
  • Max LTV per stock Set by lender
  • Post a listing Free
  • Accepted collateral Set by lender
  • Borrow from a listing Free
  • Repay a loan Free
  • Deposit Network fee only
  • Withdraw Free
  • Protocol fee Set at launch
  • Network fee Paid in SOL

Network

Detail

  • Chain Solana
  • Cluster Mainnet

*Withdrawals are free, Peerly pays the network fee

SOL USDC

Lenders

For anyone with SOL or USDC to lend

Free + network fee

  • Lend SOL or USDC
  • Pick your accepted stocks
  • Set a max LTV for every stock you accept
  • Set your own APR and duration
  • Withdraw anytime
Post a listing

Borrowers

For stock holders who need liquidity

APR set by the lender

  • Browse every open listing
  • Borrow SOL or USDC
  • Keep your stock exposure
  • Funds arrive in your balance instantly
  • Repay to release collateral
Browse listings
Built for size

Large lenders

For funds and desks lending at size

Free + network fee

  • Everything lenders get
  • Many listings at once
  • A mix of SOL and USDC
  • Walkthrough of LTV and APR
  • Direct line on X
  • Onboarding call
Start lending

Compare at a glance

Lenders Borrowers Large lenders

Transparent

Pricing

Calculate costs based on your exact workload

Estimated monthly cost

$0.0066

DetailsEstimated costs
GPU cost$0.000306/s
CPU cost$0.000007/s
Memory cost$0.000018/s
Total cost$0.000330/s

*Average per month

seconds

24 GB VRAM per GPU

1

Only pay for what you use

1

Requirement in GB

8 GB

Fee FAQs

Who sets the interest rate?

The lender does. Every listing has a fixed APR chosen by the lender when they post it, and it stays the same for the life of the loan.

Borrowers see the APR, the loan duration, the accepted stocks and the max LTV for each stock before they take a loan, so the cost of borrowing is clear before anything is signed. There is no variable rate and no pool deciding it for you.
Real world lending example

A lender posts 1 SOL at 8% APR for 30 days and accepts NVDA with a max LTV of 50%. A borrower posts enough NVDA to stay under that limit and receives 1 SOL instantly.

If the borrower repays on day 29, they pay back about 1.0064 SOL plus the network fee and their NVDA is released. If they do not repay by the due date, or the loan crosses its liquidation LTV, the NVDA is credited to the lender.

If you want to try it with your own numbers, you can post a listing here.
What does it cost to post a listing?

Nothing. Posting a listing is free. You only pay the Solana network fee, a fraction of a cent in SOL, for the deposits you send.
Is there a protocol fee on top of the lender’s APR and the network fee?

Protocol fee: set at launch.

The fee has not been decided yet. This page will be updated with the final number, and the app will show every fee before you confirm a listing or a loan.

The other costs on this page are the lender’s APR and the Solana network fee paid in SOL.
Can I withdraw my funds anytime, and what does a withdrawal cost?

Yes. Any balance that is not tied up in an active loan can be withdrawn whenever you like. Withdrawals are free, Peerly pays the network fee.

Funds that are lent out, or stocks posted as collateral, become available again once the loan is repaid or settled.