Overview
Loans priced at origination. Risk transferred to lenders. One upfront price.
Stormbit is a lending protocol where borrowers pay a fixed upfront premium for pre-priced loan terms. LTV is checked only at origination—once funded, you cannot be liquidated until maturity, regardless of price movements. Lenders earn the volatility premiums typically lost to MEV bots.
What Makes Stormbit Different
Traditional DeFi lending protocols monitor collateral values continuously and liquidate positions the moment LTV thresholds are breached.
This creates:
Liquidation cascades during market volatility
Unpredictable costs for borrowers
MEV extraction by liquidation bots
Forced selling at the worst possible times
We check LTV only at loan origination, never during the term.
This enables:
Term loans priced at origination with volatility-compensated costs
Risk priced upfront via the Underwriting Surface (LTV × Duration × Volatility)
Oracle-immune protection during entire loan term
Liquidation only at maturity
Borrowers get term certainty. Lenders capture volatility premiums.
LTV monitoring
Continuous
At origination only
Liquidation
Any time
Maturity only
Rates
Variable
Locked at origination
For borrowers
Anxiety
Certainty
Key Capabilities
Borrow against crypto, NFTs, or attestations
Earn base yield + volatility premium
Build custom credit markets via hooks
Lock rates at origination for 7-90+ days
Capture MEV value that goes to bots
Create new collateral types via modules
Oracle-immune during term
Transparent delta exposure
Integrate with DeFi infrastructure
No margin calls or monitoring
Underwrite specific risk windows
No forking required
Who is Stormbit For?
Stormbit serves three core participants, each with distinct benefits:
For Market Makers & Risk Underwriters
We provide a platform to price and sell "No-Liquidation Insurance" as a fixed, upfront premium to borrowers.
Set your own terms (LTV, duration, rates)
Earn premiums that compensate for volatility risk
Choose your hedging strategy: options, delta-hedging, or passive
No liquidation cascades disrupting your positions
For Active LPs & Lenders
Earn volatility-compensated returns by underwriting transferred risk.
Transparent risk metrics for every loan
Tools to assess delta exposure before committing capital
Automated strategies for portfolio management
Volatility-compensated returns with clear risk parameters
For Borrowers
We provide term certainty through fixed-window protection.
Pay an upfront premium for pre-priced time window
Oracle-immune during term - price movements don't trigger liquidation
No margin calls, no monitoring required
Cost structure locked at origination with complete transparency
Quick Start
Earn yield on my assets
Borrow without liquidation risk
Leverage my staking position
Understand how it works
Build on Stormbit
How It Works
Lenders create Terms — lending pools with specific parameters (asset, fee, duration limits)
Borrowers create Loans — requests specifying amount, duration, and collateral
Allocation — lenders fund loans that meet their criteria
Maturity — borrowers repay principal + interest, or collateral is auctioned
How Risk is Priced
Stormbit internalizes the volatility risk typically leaked to liquidation bots. By pricing risk upfront via the Underwriting Surface (LTV × Duration × Volatility), we enable:
Term loans with no monitoring for borrowers
Enhanced yield from volatility premiums for lenders
Efficient price discovery without MEV extraction
We don't eliminate liquidation risk—we price it mathematically and distribute it fairly between counterparties.
Learn More
Why Stormbit — The problems we solve
Key Features — What makes us unique
FAQ — Common questions answered
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