Networks & Assets
Peridot's primary markets live on the Stellar network. Each market is an independent lending pool with its own interest-rate model and its own collateral factor — the single most important risk parameter for borrowers.
Stellar markets#
| Asset | What it is | Collateral factor | Rate model |
|---|---|---|---|
| XLM | Stellar's native asset — volatile | 70% | Volatile curve (steeper, larger buffer) |
| USDC | Digital US dollar issued by Circle | 90% | Stablecoin curve |
| EURC | Digital euro issued by Circle | 90% | Stablecoin curve |
The gap between 70% and 90% is deliberate: stablecoins barely move against the dollar, so they're safer collateral and support a higher borrowing limit. XLM can swing double-digit percentages in a day, so its factor leaves a wider cushion before liquidation.
Boosted markets
Some Stellar markets offer a boosted variant, where deposits are additionally routed through an auto-compounding vault strategy for extra yield. Boosted markets are marked in the app where available. See APY & rewards.The multi-chain deployment#
Alongside Stellar, Peridot operates an EVM deployment in a hub-and-spoke design: hub chains (led by BSC) host lending pools, while spoke chains (Arbitrum, Base, Ethereum, Polygon, Avalanche) let users supply into the hub without manually bridging — a gasless orchestration layer moves the assets. This surface targets experienced DeFi users and is available on the multi-chain version of the app.
Why Stellar first?#
Three practical reasons: transactions settle in about five seconds, fees are fractions of a cent, and Stellar has first-class support for regulated fiat rails — which is what makes the bank-transfer-to-earning-deposit experience possible without the user ever touching a bridge or a gas token.