Peridot Documentation
Peridot is a non-custodial DeFi broker: one account through which you lend, borrow and keep custody of your own assets. These pages cover all of it, from your first deposit to the exact formulas the contracts run, with interactive charts and calculators along the way. New here? Start with What is Peridot?
Start Here
What is Peridot?
Peridot is a non-custodial DeFi broker: one account for lending and borrowing across chains, with markets in USDC, EURC and XLM on Stellar.
Quickstart: Earn Your First Yield
Sign up with an email address, add money by bank transfer or card, and make your first earning deposit. The whole path, step by step, with screenshots.
Easy Mode & Expert Mode
One account, two interfaces: a plain savings view, or the full market console with rate curves, collateral controls and every network exposed.
Networks & Assets
Every market Peridot lists, its collateral factor and its rate model: XLM at 70%, USDC and EURC at 90% on Stellar, plus the multi-chain deployment.
Lending & Borrowing
Supplying Assets & pTokens
What a deposit really is: pTokens, the exchange rate that only rises, and why your interest never needs claiming.
Interest Rates: The Jump Rate Model
The exact formulas that set every rate on Peridot, from utilization through the kink to the APY you see, with an interactive curve explorer.
Borrowing & Collateral
Borrow against your deposits without selling them: how collateral factors set your limit, what a loan costs, and how repayment works.
Health Factor & Liquidation
The single number that says whether your loan is safe, what happens at 1.0, and an interactive simulator to crash the price before the market does.
APY, Rewards & Boosted Yields
Where every percentage point of Peridot's yield comes from: base lending interest, boosted vault strategies and token incentives, separated honestly.
Risks
The honest list: smart-contract, liquidation, liquidity, oracle, stablecoin and variable-rate risk, what mitigates each, and what remains yours.
Using the App
Portfolio, Activity & History
Reading your positions and live earnings, the activity feed, and the CSV export your accountant will ask for.
Adding & Withdrawing Money
SEPA bank transfer, card and Apple Pay in, cash-out to your own IBAN back out. Both flows screen by screen, with fees, timelines and every status explained.