TheStandard is a decentralized finance platform on Arbitrum that enables users to borrow against their crypto collateral at 0% interest while their assets continue generating yield in Uniswap V3 concentrated liquidity pools. The platform's non-custodial Smart Vaults keep users in control of their private keys while automating yield optimization, debt management, and collateral rebalancing. Its StableCore technology automatically pays down debt at a discount when the USDs stablecoin trades below its $1 peg, turning market volatility into savings opportunities for borrowers.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional DeFi lending platforms require borrowers to pay interest on their loans, reducing the capital efficiency of using crypto assets as collateral. Additionally, most platforms require users to lock up their collateral without generating any yield, forcing borrowers to choose between accessing liquidity and earning returns on their holdings.
Solution
TheStandard provides non-custodial Smart Vaults on Arbitrum that let users borrow USDs at 0% interest while their collateral continues earning yield in Uniswap V3 concentrated liquidity pools. Users maintain full control of their private keys, and the platform automatically manages liquidity positions, rebalances for optimal returns, and compounds yields daily. The platform's StableCore technology monitors USDs price feeds and automatically purchases the stablecoin at a discount when it trades below $1, using a portion of collateral to pay down debt and generate instant savings for borrowers. Larger vaults receive priority access to these auto-redemption opportunities, creating a loyalty mechanism that rewards higher borrowing volumes with greater savings potential.
Target Audience
Primary users are crypto holders and DeFi yield farmers seeking to borrow against their assets without paying interest while maintaining exposure to yield-generating strategies, as well as larger borrowers who benefit from priority access to StableCore's auto-redemption savings opportunities.
Features
- Non-custodial Smart Vaults with private key control, ensuring users retain full ownership of their collateral at all times
- 0% interest borrowing with no lock-in periods and no time limits on debt repayment
- Automatic yield generation through Uniswap V3 concentrated liquidity pools with daily auto-compounding
- StableCore auto-redemption technology that buys USDs at a discount when it de-pegs and automatically reduces user debt
- Dynamic NFT representation of each Smart Vault that updates live with debt and collateral positions and can be sold or transferred
- Multi-asset collateral support allowing users to deposit a portfolio of crypto tokens in a single vault
- Flexible allocation between stable and volatile asset pools to manage risk and reward preferences
- 250+ independent security auditors have reviewed all smart contracts through Cyfrin/CodeHawks