From deposit to yield. Here's the complete flow.
unflat connects your savings to overcollateralized DeFi lending markets. You deposit stablecoins, they're allocated to vetted lending pools, and you start earning interest immediately. No lockups, no hidden mechanics.
Transfer USDC via Coinbase or direct blockchain transfer. European users starting from EUR convert to USDC first. EURC support is on the roadmap.
Your deposit is allocated to Morpho Protocol, an overcollateralized DeFi lending market with $5B+ managed and zero exploits. Borrowers must lock up more value than they borrow.
Earnings are visible in real-time inside the app. No waiting for monthly payouts. Your balance grows continuously.
Net yield after unflat's 15% performance fee. Rates are variable and depend on market conditions: supply and demand for borrowing.
No lockup period, no penalties. Your funds are returned to you whenever you need them.
Please don't trust us. Verify. Every transaction is recorded on-chain. You can independently verify where your funds are and how much they're earning at any time.
Borrowers use DeFi lending markets for practical reasons:
Accessing liquidity without selling appreciated crypto assets
Managing tax exposure by borrowing instead of selling
Arbitraging price differences across venues
Everyday spending without disrupting portfolios
They're willing to pay competitive interest rates for this convenience. That interest flows back to you as yield.
Safety comes from overcollateralization. Every borrower locks up assets worth more than they borrow. If their collateral value drops below a safety threshold, the smart contract automatically liquidates it to repay lenders. No human intervention needed. The code handles everything.
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