Ensofi

Start by choosing the chain where you keep funds, connect your wallet, and pick whether you want funding or to provide it. As a borrower, you define the term and the fixed annual rate you’re willing to pay, within the live market band. Select the asset to receive, post collateral in your preferred network, and preview payment dates, total cost, and liquidation cushion before you confirm. Settlement and messaging happen behind the scenes across chains, so you can post collateral on Solana, draw a stablecoin on Sui, and track both from one dashboard. Real‑time pricing powered by Pyth Network helps keep collateral health current, and automated alerts prompt you to top up, repay early, or refinance when markets move.

If you supply capital, you decide your target yield, tenor, and risk controls. Create an offer with your minimum acceptable APR, allowed collateral types, and desired loan‑to‑value ceiling, or allocate to existing pools that match your policy. Set auto‑laddering to spread deposits across durations, enable auto‑roll to keep cash earning on maturity, and opt into cross‑chain routing to capture opportunities wherever utilization spikes. Your portfolio view shows filled offers, average yield, duration exposure, and realized returns, with one‑click actions to withdraw, reinvest, or adjust terms without disrupting active loans.

Daily management is designed to be simple. Borrowers can make partial repayments anytime, schedule recurring paydowns, or switch to a new fixed term if a better rate appears. Moving between networks is guided: a refinance wizard lets you migrate collateral or proceeds cross‑chain using Wormhole, with clear estimates for fees and timing. Risk tools surface early‑warning signals—falling collateral value, compressed liquidity, or near‑term maturities—so you can act quickly. For lenders, guardrails such as per‑asset caps, borrower whitelists, and liquidation preferences are configurable, and you’ll receive notifications when offers fill, utilization exceeds thresholds, or positions are up for reprice.

Teams and builders can automate the entire workflow. Use the SDK to fetch quotes, simulate health using Pyth data, place lend offers programmatically, and monitor positions with webhooks. Treasury users can predefine mandates (assets, terms, minimum yield), require approvals for exceptions, and export ledger‑ready records. Strategy examples include rolling 30‑day fixed loans for predictable cash management, hedging variable exposure by locking a fixed cost on leverage, bridging idle liquidity to chains with higher demand, and setting conservative LTV buckets for volatile collateral. Whether you’re financing working capital, funding arbitrage inventory, or seeking steady yield, you can set terms up front, execute in a few clicks, and manage everything from one place.