Peer-to-peer · Polygon Amoy

Lending,
without the pool.

An orderbook-native P2P lending protocol. You set the rate, keepers settle the match, oracles keep it honest — transparent to the last basis point.

USDC / WBTCAmoy · Book #1

Best bid / ask

8.42%/ 8.91% APR

Keepers clear crossing orders on sight. No pooled averages, no hidden spread — the rate on screen is the rate you get.

SideAPRSize
Lend8.42%12,500 USDC
Lend8.55%8,200 USDC
Lend8.73%24,000 USDC
spread 49bp
Borrow8.91%5,000 USDC
Borrow9.10%18,700 USDC
Borrow9.35%32,400 USDC
Chainlink oraclesLive price feeds
Keeper fleet24/7 settlement
Partial fillsNative
CollateralDynamic
Services

Three surfaces, one protocol.

  • Orderbook

    Set your rate. Match with intent.

    A true on-chain orderbook where lenders and borrowers post their own terms — no pooled averages, no silent spreads.

  • Keepers

    Automation that moves while you don't.

    Keeper bots watch the book 24/7 and settle compatible orders the instant they cross — instant liquidity, zero babysitting.

  • Oracles

    Real prices. Real collateral.

    Every position is margined against Chainlink price feeds. Add collateral, make partial repayments, steer your health ratio in real time.

What you get

Lending, rewritten as a ledger you can see.

Orderbook matching

Post a lend or borrow order with the rate, duration and collateral you want. Partial fills are native.

Keeper settlement

Automated bots settle crossing orders in seconds, earning the spread — not siphoning it out of yield.

Oracle-priced collateral

Chainlink feeds margin every position. Top up, withdraw, or partially repay without closing the loan.

Multi-asset, by design

USDC, USDT, WBTC and WETH on Polygon Amoy today — the protocol is asset-agnostic by construction.

For lenders

Earn the rate you actually priced.

  1. 1Post a lend order with the rate and collateral you want.
  2. 2Tokens escrow on-chain until a borrower crosses.
  3. 3Keepers settle the match automatically.
  4. 4Interest accrues to you, unambiguously, on-chain.
For borrowers

Borrow on your terms. Repay on your schedule.

  1. 1Post a borrow order with your target rate and collateral.
  2. 2Keepers match you with a compatible lender in seconds.
  3. 3Add or withdraw collateral as the market moves.
  4. 4Make partial repayments — interest follows the balance.
Guide

How DreamLend works

A step-by-step walk through the orderbook, matching, and position management.

Questions

Frequently asked

Everything about fees, liquidations, keeper economics and supported assets.