finance is a cross-chain lending protocol built on NEAR. It allows users to supply assets on one blockchain and borrow on another, earning yield across 16+ supported networks.

How do I start using finance?

Connect your wallet on the finance platform, choose your preferred chain, supply assets to earn yield, and optionally borrow against your collateral on any supported network.

Is finance safe to use?

finance is built on audited smart contracts. Users can monitor their health factor in real time to manage risk and avoid liquidation.

What APY can I earn on finance?

APY on finance varies by asset and chain. For example, USDT and USDC supply APY ranges from 6% to 7.69%, while borrow rates start from 0.69% for some assets.

LENDINGTRADE

16 Chains

RHEA Cross-Chain Lending!

Supply assets on one chain, borrow on another, and repay from any supported network.
Wherever you supply, you continue earning yield—all managed seamlessly from a single dashboard.

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MARKET INFO

Total Supplied

$63.37M

Total Borrowed

$40.03M

Available Liquidity

$23.34M

Platform Daily Rewards

$4.92K

HEALTH FACTOR

Your Collateral-

Your Borrowed-

SUPPLY MARKET

Assets	Total Supplied	APY

USDT $1.0003	25.20M $25.21M	6.17% ~ 7.69%
USDC $0.9998	27.16M $27.15M	6.08% ~ 7.50%
ZEC $363.55	14.68K $5.34M	1.78% ~ 2.65%

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BORROW MARKET

Assets	Total Borrowed	Available Liquidity	APY

USDT $1.0003	18.63M $18.63M	6.56M $6.57M	5.53%
USDC $0.9998	20.45M $20.44M	6.71M $6.71M	5.64%
ZEC $363.55	710.74 $258.40K	13.95K $5.07M	0.69%

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SUPPLY MARKET

Assets	Total Supplied	APY

USDT $1.0003	25.20M $25.21M	6.17% ~ 7.69%
USDC $0.9998	27.16M $27.15M	6.08% ~ 7.50%
ZEC $363.55	14.68K $5.34M	1.78% ~ 2.65%

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finance — The Leading Cross-Chain Lending Protocol on NEAR

Q: Which blockchains does finance support?

finance supports over 16 chains including NEAR, Ethereum, Solana, Arbitrum, Base, BSC, Optimism, Polygon, Aptos, Tron, Zcash, Bitcoin, Berachain, Monad, X Layer, and Plasma.

Everything you need to know about finance and how it works across 16+ blockchains.

finance — The Leading Cross-Chain Lending Protocol on NEAR

What is finance and how does it work? +

finance is a chain-abstracted cross-chain lending protocol built on the NEAR ecosystem. It lets users supply assets on one blockchain, borrow on another, and repay from any supported network — all from a single dashboard. Wherever you supply, you continue earning yield automatically.

Which blockchains does finance support? +

finance currently supports 16+ chains including NEAR, Ethereum, Solana, Arbitrum, Base, BSC, Optimism, Polygon, Aptos, Tron, Zcash, Bitcoin, Berachain, Monad, X Layer, and Plasma. The team continuously works to expand multi-chain coverage.

How do I earn yield on finance? +

Connect your wallet, navigate to the Supply Market, and deposit any supported asset. finance will automatically start accruing interest. Current APYs range from 1.78% to 7.69% depending on the asset and chain, plus additional platform daily rewards distributed to suppliers.

What is the Health Factor in finance? +

The Health Factor is a real-time risk indicator visible on your finance dashboard. It represents the ratio of your collateral value to your borrowed amount. A Health Factor below 1 means your position is at risk of liquidation. Always monitor it when borrowing across chains.

Is finance safe and audited? +

finance smart contracts are built with security as a priority and are subject to ongoing audits. The protocol provides transparent on-chain data and real-time health monitoring to help users manage risk responsibly. Always use DeFi protocols responsibly and only invest what you can afford to lose.