Onchain risk you can actually underwrite.
Onchain risk you can actually underwrite.
See every tranche, rate, and exposure in a vault before you deposit.
Trust isn't a risk framework.
Trust isn't a risk framework.
See your exposure before you deploy capital. Earn while live risk ratings verify your vault stays on track.
Never earn below the base rate.
Never earn below
the base rate.
When lending demand is low, your capital still earns the base yield. When demand rises, you earn more.
When lending demand is low, your capital
still earns the base yield. When demand
rises, you earn more.
Partners
Trusted by teams who do their diligence
Trusted by teams who do their diligence
Design partners building with Lotus.
Ecosystem
Tranches
One market, every risk level
Other protocols make you choose: risk segmentation or deep liquidity. Lotus connects tranches across risk levels so you get both.
Tranches
One market, every risk level
Other protocols make you choose: risk segmentation or deep liquidity. Lotus connects tranches across risk levels so you get both.
Tranches
One market, every risk level
Other protocols make you choose: risk segmentation or deep liquidity. Lotus connects tranches across risk levels so you get both.
For Lenders & Borrowers
For Lenders & Borrowers
Borrowers
Lenders
Risk
Lower borrow rates
Predictable yield
Higher leverage
Higher yield
Pick your position on the curve.
Borrowers
Lenders
Risk
Lower borrow rates
Predictable yield
Higher leverage
Higher yield
Pick your position on the curve.
Lower borrow rates
Predictable yield
Higher leverage
Higher yield
Pick your position on the curve.
For Lenders & Borrowers
Join the launch
We're onboarding early partners now. Let's talk.
Questions & Answers
Have more questions? Don't hesitate to contact us
What is Lotus Protocol?
Lotus Protocol is a decentralized lending protocol where lenders choose their risk tier and see exactly what has to break before they take a loss. Unlike pooled protocols where all lenders share blended risk, or isolated markets that fragment liquidity, Lotus uses connected tranches (multiple risk levels within a single market) so lenders get precise risk exposure without sacrificing liquidity depth.
When does Lotus Protocol launch?
Lotus Protocol is targeting Q2 2026 for mainnet launch on Ethereum and Arbitrum. Before launch, there will be testnet and predeposit phases for early allocators. Follow Lotus on X or join the Discord for timing updates as dates are confirmed.
Is Lotus Protocol audited?
Lotus Protocol will publish audits from independent security firms before mainnet. The protocol follows standard DeFi security practices including bug bounty programs and conservative initial parameters at launch. Audit reports will be available on the Lotus documentation site as they're completed.
What APYs can I expect with Lotus?
Lotus Protocol yields vary by tranche and market conditions. Junior tranches (higher risk, higher LLTV) earn higher rates than senior tranches (lower risk, lower LLTV). Early LP incentive programs offer 6-30% APY boosts depending on token valuation at launch. Unlike pooled lending protocols where all lenders earn the same blended rate, Lotus lenders choose their risk tier and earn rates corresponding to that specific exposure. The protocol's cascading liquidity design also creates a yield floor through productive debt, where idle capital in senior tranches earns yield-bearing asset returns.
How is Lotus different than Morpho?
The core difference is liquidity architecture. Morpho uses isolated markets where each loan asset, collateral, LLTV, and oracle combination creates a separate pool. This gives lenders risk control but fragments liquidity across many markets. Lotus uses connected tranches within a single market, where unused liquidity from junior tranches automatically supports senior borrowers. Lenders still choose their risk level, but liquidity concentrates rather than fragments. For borrowers, this means better rates from deeper markets. For vault managers, it enables risk-priced strategies rather than just asset curation.
Questions & Answers
Have more questions? Don't hesitate to contact us
What is Lotus Protocol?
Lotus Protocol is a decentralized lending protocol where lenders choose their risk tier and see exactly what has to break before they take a loss. Unlike pooled protocols where all lenders share blended risk, or isolated markets that fragment liquidity, Lotus uses connected tranches (multiple risk levels within a single market) so lenders get precise risk exposure without sacrificing liquidity depth.
When does Lotus Protocol launch?
Lotus Protocol is targeting Q2 2026 for mainnet launch on Ethereum and Arbitrum. Before launch, there will be testnet and predeposit phases for early allocators. Follow Lotus on X or join the Discord for timing updates as dates are confirmed.
Is Lotus Protocol audited?
Lotus Protocol will publish audits from independent security firms before mainnet. The protocol follows standard DeFi security practices including bug bounty programs and conservative initial parameters at launch. Audit reports will be available on the Lotus documentation site as they're completed.
What APYs can I expect with Lotus?
Lotus Protocol yields vary by tranche and market conditions. Junior tranches (higher risk, higher LLTV) earn higher rates than senior tranches (lower risk, lower LLTV). Early LP incentive programs offer 6-30% APY boosts depending on token valuation at launch. Unlike pooled lending protocols where all lenders earn the same blended rate, Lotus lenders choose their risk tier and earn rates corresponding to that specific exposure. The protocol's cascading liquidity design also creates a yield floor through productive debt, where idle capital in senior tranches earns yield-bearing asset returns.
How is Lotus different than Morpho?
The core difference is liquidity architecture. Morpho uses isolated markets where each loan asset, collateral, LLTV, and oracle combination creates a separate pool. This gives lenders risk control but fragments liquidity across many markets. Lotus uses connected tranches within a single market, where unused liquidity from junior tranches automatically supports senior borrowers. Lenders still choose their risk level, but liquidity concentrates rather than fragments. For borrowers, this means better rates from deeper markets. For vault managers, it enables risk-priced strategies rather than just asset curation.
Questions & Answers
Have more questions? Don't hesitate to contact us
What is Lotus Protocol?
Lotus Protocol is a decentralized lending protocol where lenders choose their risk tier and see exactly what has to break before they take a loss. Unlike pooled protocols where all lenders share blended risk, or isolated markets that fragment liquidity, Lotus uses connected tranches (multiple risk levels within a single market) so lenders get precise risk exposure without sacrificing liquidity depth.
When does Lotus Protocol launch?
Lotus Protocol is targeting Q2 2026 for mainnet launch on Ethereum and Arbitrum. Before launch, there will be testnet and predeposit phases for early allocators. Follow Lotus on X or join the Discord for timing updates as dates are confirmed.
Is Lotus Protocol audited?
Lotus Protocol will publish audits from independent security firms before mainnet. The protocol follows standard DeFi security practices including bug bounty programs and conservative initial parameters at launch. Audit reports will be available on the Lotus documentation site as they're completed.
What APYs can I expect with Lotus?
Lotus Protocol yields vary by tranche and market conditions. Junior tranches (higher risk, higher LLTV) earn higher rates than senior tranches (lower risk, lower LLTV). Early LP incentive programs offer 6-30% APY boosts depending on token valuation at launch. Unlike pooled lending protocols where all lenders earn the same blended rate, Lotus lenders choose their risk tier and earn rates corresponding to that specific exposure. The protocol's cascading liquidity design also creates a yield floor through productive debt, where idle capital in senior tranches earns yield-bearing asset returns.
How is Lotus different than Morpho?
The core difference is liquidity architecture. Morpho uses isolated markets where each loan asset, collateral, LLTV, and oracle combination creates a separate pool. This gives lenders risk control but fragments liquidity across many markets. Lotus uses connected tranches within a single market, where unused liquidity from junior tranches automatically supports senior borrowers. Lenders still choose their risk level, but liquidity concentrates rather than fragments. For borrowers, this means better rates from deeper markets. For vault managers, it enables risk-priced strategies rather than just asset curation.