Renn Finance is in Beta
Long-Term Debt. Onchain.
The protocol for fixed-term lending and borrowing — without liquidation risk.
Built for individuals and institutions who think long-term.
Renn Finance is in Beta
Long-Term Debt. Onchain.
The protocol for fixed-term lending and borrowing — without liquidation risk.
Built for individuals and institutions who think long-term.
THE PROBLEM
Borrowing Is Broken.
There's no infrastructure for long-term crypto borrowing — so institutions sell, treasuries freeze, and borrowers get liquidated. Here are a few examples.
THE PROBLEM
Borrowing Is Broken.
There's no infrastructure for long-term crypto borrowing — so institutions sell, treasuries freeze, and borrowers get liquidated. Here are a few examples.
THE PROBLEM
Borrowing Is Broken.
There's no infrastructure for long-term crypto borrowing — so institutions sell, treasuries freeze, and borrowers get liquidated. Here are a few examples.
The Ethereum Foundation sold ETH to fund operations — despite holding a multi-billion dollar treasury. With fixed-term borrowing, they could have kept the ETH and borrowed USD instead.
Ethereum Foundation
The Ethereum Foundation sold ETH to fund operations — despite holding a multi-billion dollar treasury. With fixed-term borrowing, they could have kept the ETH and borrowed USD instead.
Ethereum Foundation
The Ethereum Foundation sold ETH to fund operations — despite holding a multi-billion dollar treasury. With fixed-term borrowing, they could have kept the ETH and borrowed USD instead.
Ethereum Foundation
Three Arrows Capital (3AC), a major crypto hedge fund, suffered forced liquidations on DeFi lending platforms during its 2022 insolvency, with over $400 million in positions wiped out across borrowers like Aave and Compound. As heavy long-term leveraged borrowers, 3AC's downfall from market volatility led to systemic liquidations, stressing protocols and contributing to broader contagion.
Three Arrows Capital (3AC)
Three Arrows Capital (3AC), a major crypto hedge fund, suffered forced liquidations on DeFi lending platforms during its 2022 insolvency, with over $400 million in positions wiped out across borrowers like Aave and Compound. As heavy long-term leveraged borrowers, 3AC's downfall from market volatility led to systemic liquidations, stressing protocols and contributing to broader contagion.
Three Arrows Capital (3AC)
Three Arrows Capital (3AC), a major crypto hedge fund, suffered forced liquidations on DeFi lending platforms during its 2022 insolvency, with over $400 million in positions wiped out across borrowers like Aave and Compound. As heavy long-term leveraged borrowers, 3AC's downfall from market volatility led to systemic liquidations, stressing protocols and contributing to broader contagion.
Three Arrows Capital (3AC)
Celsius Network, a crypto lending company, held massive long-term borrowings on Aave and other protocols, with positions like 400,000 stETH collateral nearly liquidated during the 2022 market crash. It aggressively repaid debts to avoid liquidation but ultimately faced insolvency, unlocking $418 million in collateral after close calls on Aave where health factors dropped critically low. Remaining debts on Compound and others were liquidated as part of its collapse.
Celsius Network
Celsius Network, a crypto lending company, held massive long-term borrowings on Aave and other protocols, with positions like 400,000 stETH collateral nearly liquidated during the 2022 market crash. It aggressively repaid debts to avoid liquidation but ultimately faced insolvency, unlocking $418 million in collateral after close calls on Aave where health factors dropped critically low. Remaining debts on Compound and others were liquidated as part of its collapse.
Celsius Network
Celsius Network, a crypto lending company, held massive long-term borrowings on Aave and other protocols, with positions like 400,000 stETH collateral nearly liquidated during the 2022 market crash. It aggressively repaid debts to avoid liquidation but ultimately faced insolvency, unlocking $418 million in collateral after close calls on Aave where health factors dropped critically low. Remaining debts on Compound and others were liquidated as part of its collapse.
Celsius Network
MicroStrategy holds 500,000+ BTC but has no native DeFi borrowing infrastructure built for long-term use. Fixed-rate onchain debt would transform their capital structure.
MicroStrategy
MicroStrategy holds 500,000+ BTC but has no native DeFi borrowing infrastructure built for long-term use. Fixed-rate onchain debt would transform their capital structure.
MicroStrategy
MicroStrategy holds 500,000+ BTC but has no native DeFi borrowing infrastructure built for long-term use. Fixed-rate onchain debt would transform their capital structure.
MicroStrategy
An anonymous high-profile "whale" borrower on Aave was liquidated for nearly $60 million in May 2021 during the China crypto ban-induced crash, part of $362 million in Aave V2 liquidations across 5,500 events. This long-term position used volatile collateral like ETH, liquidated when values halved in a week. Similar whales topped Aave's all-time liquidation lists, with five exceeding $20 million each in aggregate losses.
Anon
Leveraged Whale on Aave
An anonymous high-profile "whale" borrower on Aave was liquidated for nearly $60 million in May 2021 during the China crypto ban-induced crash, part of $362 million in Aave V2 liquidations across 5,500 events. This long-term position used volatile collateral like ETH, liquidated when values halved in a week. Similar whales topped Aave's all-time liquidation lists, with five exceeding $20 million each in aggregate losses.
Anon
Leveraged Whale on Aave
An anonymous high-profile "whale" borrower on Aave was liquidated for nearly $60 million in May 2021 during the China crypto ban-induced crash, part of $362 million in Aave V2 liquidations across 5,500 events. This long-term position used volatile collateral like ETH, liquidated when values halved in a week. Similar whales topped Aave's all-time liquidation lists, with five exceeding $20 million each in aggregate losses.
Anon
Leveraged Whale on Aave
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Maya Rahman
Content Strategist.
Michael Egorov, founder of Curve Finance, faced massive liquidations in June 2024 after borrowing nearly $100 million in stablecoins against CRV collateral across protocols like Llamalend, with over $20 million liquidated on one position alone. His positions were long-term bets on CRV value, but a 40% CRV price drop triggered the cascade, reducing his collateral to $33.9 million against $20.6 million debt. He had previously narrowly avoided full liquidation on Aave in 2023 by repaying debts amid similar risks.
Michael Egorov
Curve Finance
Michael Egorov, founder of Curve Finance, faced massive liquidations in June 2024 after borrowing nearly $100 million in stablecoins against CRV collateral across protocols like Llamalend, with over $20 million liquidated on one position alone. His positions were long-term bets on CRV value, but a 40% CRV price drop triggered the cascade, reducing his collateral to $33.9 million against $20.6 million debt. He had previously narrowly avoided full liquidation on Aave in 2023 by repaying debts amid similar risks.
Michael Egorov
Curve Finance
Michael Egorov, founder of Curve Finance, faced massive liquidations in June 2024 after borrowing nearly $100 million in stablecoins against CRV collateral across protocols like Llamalend, with over $20 million liquidated on one position alone. His positions were long-term bets on CRV value, but a 40% CRV price drop triggered the cascade, reducing his collateral to $33.9 million against $20.6 million debt. He had previously narrowly avoided full liquidation on Aave in 2023 by repaying debts amid similar risks.
Michael Egorov
Curve Finance
BENEFITS
Why Renn Finance?
Stop losing sleep over liquidations. Renn Finance gives you the infrastructure to borrow long-term — the way it was always meant to work.
BENEFITS
Why Renn Finance?
Stop losing sleep over liquidations. Renn Finance gives you the infrastructure to borrow long-term — the way it was always meant to work.
BENEFITS
Why Renn Finance?
Stop losing sleep over liquidations. Renn Finance gives you the infrastructure to borrow long-term — the way it was always meant to work.
1
Zero Liquidations
Fixed terms mean your position can't be force-closed mid-market. Borrow with confidence.
1
Zero Liquidations
Fixed terms mean your position can't be force-closed mid-market. Borrow with confidence.
2
Fixed, Predictable Rates
Rates are locked at origination. Know exactly what you'll pay — no algorithmic surprises.
2
Fixed, Predictable Rates
Rates are locked at origination. Know exactly what you'll pay — no algorithmic surprises.
3
Set and Forget
No health factor monitoring. No emergency top-ups. Deposit collateral once, repay at maturity.
3
Set and Forget
No health factor monitoring. No emergency top-ups. Deposit collateral once, repay at maturity.
4
Collateral Earning Yield
Your collateral isn't idle — it's deployed on Aave generating yield while securing the loan.
4
Collateral Earning Yield
Your collateral isn't idle — it's deployed on Aave generating yield while securing the loan.
5
Tradeable Debt
Lenders can exit early by selling their loan token on the built-in secondary market. No lock-in.
5
Tradeable Debt
Lenders can exit early by selling their loan token on the built-in secondary market. No lock-in.
6
Market-Driven Rates
Interest rates reflect real supply and demand — true price discovery for on-chain fixed income.
6
Market-Driven Rates
Interest rates reflect real supply and demand — true price discovery for on-chain fixed income.
Base
Ethereum
BUILT ON
Built on Battle -Tested Infrastructure
Renn Finance runs on EVM, extends Aave, and routes secondary market liquidity through Uniswap. Every loan grows Aave TVL — collateral earns yield while securing the debt.
aave
Uniswap
BUILT ON
Built on Battle -Tested Infrastructure
Renn Finance runs on EVM, extends Aave, and routes secondary market liquidity through Uniswap. Every loan grows Aave TVL — collateral earns yield while securing the debt.
aave
Uniswap
Base
Ethereum
BUILT ON
Built on Battle -Tested Infrastructure
Renn Finance runs on EVM, extends Aave, and routes secondary market liquidity through Uniswap. Every loan grows Aave TVL — collateral earns yield while securing the debt.
aave
Uniswap
FAQ
Honest Answers
to Hard Questions
Your Questions Answered
Your questions answered
Liquidations exist for a reason — they protect lenders. How does Renn Finance solve this?
Renn Finance targets a different kind of lender — one who already wants to buy the underlying asset. In the best case, they earn 10–14% fixed yield. In the worst case, they acquire ETH or BTC at a 50% discount. No liquidation needed — 200%+ collateral provides the buffer.
Won't the secondary market be illiquid, especially in a crisis?
What if the smart contracts get exploited?
Can't Aave just add fixed rates and kill this?
30% of Aave borrowers are long-term — but will they actually switch?
Pre-Seed 2026
Join Us in Fixing DeFi Lending.
We're raising to bring fixed-term, no-liquidation lending to DeFi.
If you're an investor or want early access — let's talk.
Pre-Seed 2026
Join Us in Fixing DeFi Lending.
We're raising to bring fixed-term, no-liquidation lending to DeFi.
If you're an investor or want early access — let's talk.
Pre-Seed 2026
Join Us in Fixing DeFi Lending.
We're raising to bring fixed-term, no-liquidation lending to DeFi.
If you're an investor or want early access — let's talk.