Stormbit
Stormbit lets you borrow dollars against your crypto without selling it, and without liquidation risk. Lenders fund those loans and earn the option premium each one generates.
Under the hood this is structured options-backed credit: every loan is a collar written on the borrower’s collateral at origination. Borrowers take USDC loans against BTC or ETH at 0% APR, each loan settles on a listed option expiry, with no liquidation along the way. Yield is priced at origination and paid from inside the trade.
Lenders
Section titled “Lenders”Deposit USDC, receive soUSD. Yield comes from the call premium written on every loan’s collateral, priced at trade entry, uncorrelated to Fed rates. A floor mechanism holds when premiums compress. See Earn.
Borrowers
Section titled “Borrowers”Post BTC or ETH, receive USDC. 0% APR, settled at the expiry you choose, no liquidation. The trade-off is explicit: your upside is capped at the call strike until settlement. See Borrow.
Two ways to use Stormbit
Section titled “Two ways to use Stormbit”- The app: app.stormbit.finance, self-serve on-chain collar loans.
- The desk: hands-on service for larger or custom structures, reachable at stormbit.finance/desk.
The contracts carry a full audit by Pashov Audit Group and a Cantina review, with the core contracts formally verified. Reports on the Audits page.
New to Stormbit? Options-Backed Credit → How It Works → Earn