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XOXNO is a lending protocol on Stellar. Suppliers provide assets that borrowers can use, and borrowers pay interest on their debt. Borrowing requires collateral worth more than the borrowed amount.

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Supply and borrow

Supplying adds assets to a lending account. Supplied assets earn variable interest and serve as collateral. They remain exposed to market and protocol risks even when the account has no debt. Borrowing sends tokens to a wallet and adds debt to the lending account. Debt accrues interest until repaid. An account with insufficient collateral can be liquidated.

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Accounts and markets

A lending account groups supplied assets and debt. Its owner holds a transferable position NFT. Each account belongs to one spoke, which defines the assets and risk settings it can use. The liquidity model uses one central pool with separate accounting for each market. Spokes can use the same market while applying different borrowing limits and caps.
Using the protocol involves risk of loss. Smart contract failures, asset prices, oracle failures, liquidation, and bad debt can affect funds. Governance can change protocol settings and upgrade contracts.

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Start using XOXNO

Getting started covers wallet setup and the first supply. Before borrowing, read risk parameters and health factor. Wallet and app developers can start with the wallet integration guide. It covers portfolio reads, display data, and transactions. Contract integrators can use the integration quickstart.