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XOXNO Stellar Lending is an overcollateralized lending protocol on Stellar. Deposit assets to earn interest, borrow against your collateral, liquidate unhealthy positions, run advanced strategies, or move a Blend position over in one transaction. You use XOXNO lending and your Stellar wallet. Integrators and builders should use the Developers section in the sidebar for contract calls, ABIs, and deployment guides.

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What you can do

Getting started

Connect your wallet, supply collateral, and borrow your first loan.

Supply and borrow

Deposit assets, open debt, and stay within your borrowing limits.

Accounts and risk

One lending account, spokes, and how the protocol checks your position.

Liquidations

What happens when a position becomes unhealthy and how liquidators earn a bonus.

Strategies

Multiply exposure, swap debt or collateral, and repay with collateral.

Blend migration

Move from Blend to XOXNO in a single atomic transaction.

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How it works

All listed assets share one liquidity pool. Your wallet owns a lending account that tracks everything you supply and borrow. There are no receipt tokens: your balances grow with interest directly on that account. Before every action, the protocol checks your whole position against borrowing limits and your health factor. Governance can update risk settings on a timelock. Emergency pause is available if needed.

FAQ

Common questions about supply, borrow, risk, and migration.

Glossary

Plain-language definitions for protocol terms.

Health factor

The number that tells you whether your position is safe.

XOXNO vs Blend

How the two Stellar lending protocols differ.

Interest and revenue

How supply APY, borrow APY, and protocol fees work.

Governance

How protocol changes are proposed, delayed, and executed.
For integrators: Contract entrypoints, events, and CLI examples are in the developer quickstart under Developers in the sidebar.