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Why This Matters

Building a borrowing product from scratch means integrating with multiple lending protocols, managing collateral ratios, tracking positions across chains, and ongoing maintenance. We’ve done that - you get one API that covers everything to get your credit product live in days.

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What It Does

Let users borrow stablecoins and other assets against their crypto holdings through DeFi lending protocols. Build products that offer under-collateralized or over-collateralized loans, manage collateral positions, and handle liquidation risk - all through a single API. You call our API, we return a transaction payload. You or your users sign and broadcast. Users access credit, you capture fees. Important: Users must first create a Credit Account before borrowing or managing credit positions. Each wallet address gets one Credit Account per chain.

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Getting Started

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Create a Credit Account

Before using any credit features, create a Credit Account by calling the /v2/credit/create_account endpoint. This deploys an isolated on-chain account (Safe) controlled by the user’s wallet. The flow is identical to creating an Earn Account - the API returns an unsigned transaction that you sign and broadcast. Request:
  • chain - The chain to create the account on (ethereum, base, or arbitrum)
  • sender - The address that will sign and broadcast the transaction
  • owner - The address that will own and control the credit account
Response:
  • transaction - Unsigned transaction to deploy the account (null if already deployed)
  • credit_account_address - The deterministic address of the credit account
The account address is deterministic - calling create twice for the same owner and chain returns the same address with transaction: null on the second call.

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Next Steps

Product Accounts

Learn more about how Product Accounts work.

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