What is Peridot?
Peridot is the first DeFi broker: one account that reaches the lending markets of every supported chain. People who deposit assets earn interest, people who need liquidity borrow against their own deposits, and an algorithm sets the interest rate between the two. No bank in the middle, no lock-ups, withdrawable at any time.
“Broker” here means the access layer, not a firm acting for you: Peridot is non-custodial and never takes your assets or executes orders on your behalf. You sign every transaction yourself, and it settles directly on-chain.
I want my savings to work
Deposit euros or dollars, earn a variable yield, withdraw any time. No crypto knowledge needed.
Start with the Quickstart →
I know my way around DeFi
Full market tables, rate curves, collateral management, margin. Every dial exposed.
Jump into the rate model →
I'm building on Peridot
AI-agent tooling, an MCP server, and Claude skills for programmatic access to the protocol.
Explore the agent toolkit →
How the money market works#
Every supported asset has its own lending pool. Deposits flow into the pool and immediately start earning; borrowers draw from the same pool and pay interest into it. The interest borrowers pay is the interest depositors earn — Peridot's rate model just balances the two sides so the pool never runs dry.
- Depositors receive pTokens — a receipt that grows in value as interest accrues. Withdrawing means handing the receipt back for your assets plus everything earned.
- Borrowers must first deposit collateral worth more than their loan. If the collateral's value falls too far, part of it is sold to repay the debt — that's a liquidation, and the whole risk model is built to make it avoidable.
- Rates are set per pool, per block, from a single number: utilization — how much of the pool is currently lent out.
Where it runs#
Peridot's primary home is the Stellar network, chosen for its low fees and fast settlement — deposits, withdrawals and borrows confirm in seconds and cost fractions of a cent. Markets currently cover XLM, USDC, and EURC. A multi-chain deployment (BSC and other EVM networks) exists alongside it for advanced users.
You don't need a wallet to start
Sign up with an email address and Peridot creates a self-custodial wallet for you in the background. You can add money by bank transfer or card — the crypto plumbing stays invisible unless you go looking for it.