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Live on Solana · 56 verified xStocks

Your stocks. Now liquid.

Borrow USDC against tokenized equities on Solana. Keep your exposure. Keep the upside.

Start borrowingSwap stocks

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  • AAPLxApple
  • TSLAxTesla
  • NFLXxNetflix
  • COINxCoinbase
  • MSFTxMicrosoft
  • AZNxAstraZeneca
  • SPYxSP500
  • GOOGLxAlphabet
  • AMDxAMD
  • MSTRxMicroStrategy
  • GLDxGold
  • JPMxJPMorgan Chase
  • MAxMastercard
  • PEPxPepsiCo
  • XOMxExxon Mobil
  • LLYxEli Lilly
  • JNJxJohnson & Johnson
  • ABBVxAbbVie
  • CSCOxCisco
  • CRMxSalesforce
  • INTCxIntel
  • PFExPfizer
  • ABTxAbbott
  • UBERxUber
  • ASMLxASML
  • NVDAxNVIDIA
  • METAxMeta
  • HOODxRobinhood
  • AMZNxAmazon.com
  • MRKxMerck
  • MCDxMcDonald's
  • QQQxNasdaq
  • AVGOxBroadcom
  • PLTRxPalantir
  • CRCLxCircle
  • TQQQxTQQQ
  • VxVisa
  • KOxCoca-Cola
  • WMTxWalmart
  • CVXxChevron
  • UNHxUnitedHealth
  • PGxProcter & Gamble
  • BACxBank of America
  • ORCLxOracle
  • ADBExAdobe
  • IBMxInternational Business Machines
  • TMOxThermo Fisher
  • GSxGoldman Sachs
  • TSMxTSMC
  • NVOxNovo Nordisk

How it works

How it works

  1. 01

    Deposit.

    Bring your xStocks. Apple, Nvidia, Tesla, the S&P 500.

  2. 02

    Stay invested.

    Your position stays yours, and so does every gain.

  3. 03

    Borrow.

    Draw USDC against it in a single transaction.

  4. 04

    Repay anytime.

    No fixed schedule. Close your loan whenever you want.

See what your portfolio unlocks.

Pick an xStock, choose how far to borrow, and see exactly where you stand.

  • 24/7

    Markets that never close.

    xStocks trade on-chain around the clock, weekends included.

  • ~400ms

    Blocks on Solana.

    Transactions confirm in about a second.

  • <$0.01

    Typical network fee.

    A Solana transaction usually costs a fraction of a cent.

Built different. Built on Solana.

Keep the upside.

Your xStocks stay in the market while they back your loan. If they rise, the gain is yours.

Oracle-secured.

Collateral is priced by Pyth oracle feeds, updated many times a second.

Isolated markets.

Every xStock is its own market. Risk in one never reaches another.

Non-custodial.

Your keys never leave your wallet. Every action is signed by you.

0.4s

Instant.

Solana produces a block about every 400 milliseconds.

Fully on-chain.

Every action is a public Solana transaction. These are the latest for AAPLx.

Markets.

Every xStock you can trade today, priced live. Pick one to swap in a tap.

View all markets
AAPLx
NVDAx
TSLAx
METAx
NFLXx
HOODx

Serious about risk.

Lending against stocks only works if the guardrails are boring, visible and strict.

Pricing

Collateral is valued with oracle prices aggregated by Kamino, not a single exchange quote.

Liquidations

Every xStock has a liquidation LTV, from 40% to 75%. Past it, part of the collateral is sold to repay the loan. Plain rules, on-chain, applied the same way to everyone.

Audits

Loans run on Kamino Lend, audited by OtterSec, Offside Labs, Certora and Sec3. Lendly deploys no contracts of its own.

Read the risk disclosures

Questions.

Plain answers to what people ask most.

What are xStocks?

xStocks are tokens on Solana that track a US share or ETF, such as Apple or the S&P 500. They are tracker certificates issued by xStocks and backed by the underlying shares, according to the issuer. They are not shares: they carry no voting or other shareholder rights.

How does borrowing work?

You deposit xStocks as collateral and borrow USDC against them, up to each asset's maximum loan-to-value. Interest accrues while the loan is open, and Lendly takes a one-time 1% fee from each borrow. Repay, and your collateral is released. Loans run on Kamino Lend's xStocks market; Lendly is the interface and never holds your assets.

Who holds my collateral?

Kamino Lend's on-chain program on Solana. Your loan is an account owned by your wallet; Lendly builds the transactions and you approve each one. You can also see and manage the same loan on Kamino directly.

What happens if my stock drops?

Your loan-to-value rises as the collateral is worth less. You can add collateral or repay part of the loan at any time to move back to safety. If the loan-to-value crosses the liquidation threshold, part of your collateral can be sold to repay the loan.

What's liquidation?

Liquidation is the sale of part of your collateral to repay your loan when its value no longer covers the loan with enough margin. It protects lenders, and it can cost you part of your position, so keep a comfortable distance from the threshold.

What happens outside market hours?

xStocks trade on-chain around the clock, while the underlying exchanges close at night and on weekends. Prices can jump when markets reopen, and oracle prices may lag. Borrow with that in mind.

Can I repay early?

Yes. Loans have no fixed schedule; you can repay in part or in full whenever you want.

Which wallets work?

Any Solana wallet that supports the Wallet Standard, including Phantom, Solflare and Backpack. Lendly never holds your keys; every transaction is approved in your wallet.

Who can use Lendly?

Tokenized stocks are not available to US persons or to residents of restricted jurisdictions. You are responsible for following the laws that apply to you.

Is this financial advice?

No. Lendly is a software interface to an on-chain protocol. Nothing here is investment, legal or tax advice.

Your shares can do more

Don’t sell.
Borrow.

Keep your exposure and every gain. Unlock USDC against your xStocks, live on Solana.

Start borrowingSwap stocks now
  • 56 issuer-verified xStocks
  • Live prices from Jupiter
  • Non-custodial · your keys
  • Repay anytime