Product Offerings
What You Can Do With Spine Finance:
1. Fixed-rate Borrowing / Leverage Looping
Borrow and loop your yield-bearing positions instantly at predictable fixed rates across multiple maturities such as 30D, 90D, and 180D. Supply collateral, lock in your rate, and access liquidity without waiting for matches or worrying about utilization-based volatility.
2. Lend Into the Central Credit Vault
Deposit assets into the Central Credit Vault and earn real yield from a diversified mix of fixed-rate loans and integrated yield sources like Morpho and Euler. Your capital stays productive at all times through automated allocation and continuous rebalancing.
3. Choose Your Exposure as an LP or Curator
Select the exact assets, maturities, and Credit Books you want to support. Manage your own rate ladders, term exposure, and asset mix while staying within predefined, safe risk parameters enforced by smart contracts.
4. Earn Yield Across Multiple Strategies
Benefit from liquidity being allocated to fixed-rate markets, variable-rate protocols, and curated strategies. Yields come from multiple independent sources rather than one pool, which creates stronger and more stable returns.
5. Exit or Rebalance at Any Time
Enter or exit positions without lockups. Shift capital between assets or maturities whenever your strategy changes, with instant execution supported by unified vault liquidity.
6. Access Transparent, Depth-Based Pricing
See clear rate levels and liquidity depth for every maturity through on-chain Credit Books. Borrowers and lenders get full visibility into pricing instead of interacting with opaque pooled risk.
7. Use a Wide Range of Collateral
Borrow against staked assets, LP tokens, restaking assets, RWAs, and other curated collateral types. Each asset has its own risk parameters, allowing safer collateral frameworks and higher potential LTVs.
In the very near future, we are also enabling
Automated leverage looping strategies
Borrow fixed, supply variable, and let automated strategies compound positions safely within predefined limits.
Automated rollover for maturities
When enabled, positions can automatically roll into the next maturity at market rates, making long-term fixed-rate exposure seamless.
Permissionless pool creation
Anyone can create new Credit Books and become a curator for themselves or for others, expanding the market without central coordination.
Drag and drop curator tools
A simple visual interface for managing rate ladders, exposures, collateral limits, and maturity structures, making professional-level curating accessible to anyone.
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