YieldBlox

YieldBlox is a decentralized finance (DeFi) protocol for lending and borrowing built on . Users carry out all protocol functions using YieldBlox's smart contracts hosted on

These can be accessed either directly using API calls, or through a front-end such as the YieldBlox web app

The DeFi money market landscape has become very competitive. There are a variety of money market protocols built on programmable blockchains like Ethereum and Solana. Nevertheless, YieldBlox has made several improvements on existing money market protocol models and created a unique offering.

Platform Focus

Stellar is a unique blockchain in that it's an ideal backend for fintech platforms. It's easy for a small team to spin up a mobile application and plug into the Stellar network to provide their users with payment and trading capabilities. YieldBlox was built with these platforms in mind. Platforms can use YieldBlox to provide their users with lending and borrowing tools without reducing the decentralization of their platform. In addition, platforms can leverage YieldBlox's unique tokenomics model and isolated lending markets to bootstrap growth of their own platform, ease anchor adoption, and build a non-custodial revenue model.

High Capital Efficiency

Capital efficiency is crucial for any money market protocol. The most straightforward way to do so is by increasing asset loan-to-value ratios. However, this comes with an increased risk of underwater positions. YieldBlox's

mechanism greatly reduces the risk that underwater positions pose, allowing the protocol to sustain high loan-to-value ratios.

Unique Tokenomics

Tokenomics, when designed correctly, can be an invaluable tool for a DeFi protocol. YBX, YieldBlox's utility token utilizes a

that touches every portion of the protocol.

Built on Stellar

YieldBlox is the first DeFi protocol built on Stellar. Stellar is an excellent platform for DeFi protocols with extremely fast transactions, low fees, and an ecosystem that is well equipped to tokenize real-world currencies and assets. Additionally, Stellar's focus on developing countries means YieldBlox will be able to serve a user base that has traditionally been hard for DeFi protocols to tap into.

What are the benefits of YieldBlox?

YieldBlox brings a decentralized, on-ledger money market to the Stellar ecosystem. Within the ecosystem, this promises to:

• Increase and trading payment liquidity

• Improve capital productivity

• Reduce reliance on lending intermediaries like banks