Your assets. A clearer way forward.

Reviewed collateral markets

DiviLend connects your wallet directly to reviewed Stock Token / USDG markets on Robinhood Chain. You can deposit collateral, borrow available USDG, repay, recover collateral and withdraw available supply. No DiviLend contract or vault deployment is required.

These are permissionless markets with potentially tiny or zero liquidity. Connection is not an endorsement, audit or guarantee of liquidity. The broader Stock Token directory is informational: only markets in the reviewed lending selector can be used. All 42 reviewed markets have completed interface activation. Contract identity, fresh prices and available liquidity are checked before new borrowing.

Borrowing has variable interest and a market-specific liquidation LTV. There is no fixed maturity. This interface limits new borrowing and collateral withdrawal with debt to the lower of 40% LTV or 64% of that market’s liquidation threshold; that buffer is an interface policy, not a protocol guarantee. Interest, price gaps and stale oracles can erode it.

Dividends stay part of the picture

The official corporate-action feed helps you follow dividend events for your collateral. Stock Tokens provide economic exposure rather than conventional share ownership. Issuer multiplier changes do not mean that DiviLend or your wallet received spendable USDG. The configured collateral oracle determines lending value; the interface does not multiply that value again.

You can choose to repay USDG or add the selected collateral from your wallet. Dividends do not automatically perform either action. A personal repayment plan lets you choose a target date. After a new completed dividend checkpoint and a finalized USDG repayment, you can accept a later target. These are planning dates, not contractual maturity extensions; interest and liquidation rules remain in force.

A repayment plan that moves with you

Start a plan with an active debt in a reviewed market. Plans are saved locally by wallet and market. A new completed issuer event, dated on or after the UTC day your plan started, is a checkpoint. Repay USDG from your wallet, then choose and accept a later personal target within the next year.

We check the successful receipt, settlement address, market, beneficiary, paid amount, block timestamp and chain finality. Approvals and collateral deposits do not qualify. A checkpoint and repayment can each appear once per saved plan. If you reload after paying, paste the repayment hash to verify it again. Full repayment clears the debt rather than extending a target.

Projected extra interest assumes the displayed debt and current rate stay unchanged; it is not a quote. Plans are personal browser records, not an onchain entitlement. Clearing browser data removes the record. Repayments stay onchain, and liquidation risk applies before any personal target.

Before your wallet signs

The interface checks chain identity, the pinned settlement runtime, exact market parameters, oracle provenance and feed freshness. Oracle or rate failures block new borrowing and supply. Repayment, supply withdrawal and debt-free collateral recovery remain accessible during feed-related pauses, subject to contract execution and available liquidity.

Every approval and financial transaction is simulated immediately before requesting a signature. Approvals are limited to the requested amount; full repayment includes a disclosed interest buffer, which can leave unused allowance. An approval is not a loan or repayment. A submitted hash, successful L2 receipt and finalized block are shown as distinct states.

Full repayment and full supply withdrawal use shares to handle accrual and rounding. The actual execution state can change after simulation. Failed or cancelled actions must be checked in the explorer before another attempt. ETH pays network gas; it is separate from USDG.

What data means

Market and account state is read directly from the chain at a pinned block. Interest is estimated through that block using the settlement contract’s accrual arithmetic. Directory prices are indicative asks, not the lending oracle or execution quotes. Explorer wallet holdings may lag transfers. An unavailable read is not an empty position.

The local fork test exercises all six actions against existing contract bytecode using test-only balances. No customer funds, mainnet loans or independent security audit are implied. The legacy Tenora contracts remain separate research and are not transaction destinations.