Get paid to be your own bank.

Free yourself from institutions.

Aloe's blockchain technology empowers you to take control of your finances and earn higher interest rates.

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Lending to the smartest people in crypto.

Aloe pools your money with other users' and lends it out to market-makers. They facilitate trades on leading crypto exchanges and keep markets healthy. Traders get better prices, market-makers earn a spread, and you earn interest, so everybody wins. It’s the most organic yield you’ll find.

Stay comfy  with a  custom risk profile.

Trust some cryptocurrencies more than others? Aloe lets you express that. Each lending pool has just two assets, so if you deposit to USDC/ETH, borrowers must post USDC or ETH collateral before using your assets. If you're more adventurous, you can chase after higher returns in pairs like SHIB/ETH or APE/ETH. Aloe works with almost any ERC20 token.

A screenshot of Aloe's user interface, showing how each market consists of a pair of tokens to help isolate risk.

Assets and data shown are for illustrative purposes only.

Backed by
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Secured by
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Backed by
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Secured by
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In these trying times, trust the experts code.

Aloe is built on Ethereum, the most inclusive, battle-tested financial infrastructure on the planet. You get 24/7 global access to your account, and you can sleep soundly knowing that it's managed by code — no humans to mess things up.

check out our bug bounty program →

Frequently asked questions

Do you charge any fees?

Nope! The core Aloe software lives on the Ethereum blockchain, and we (Aloe Labs) couldn't charge fees for it — even if we wanted to! However, Ethereum does charge transaction fees. These vary based on how many people are using the network. Optimism and Arbitrum often have lower fees, so we plan to publish our software there too.

What if everyone tries to withdraw at once?

TLDR: Withdrawals would be delayed, but usually wouldn't take more than 24 hours.

Aloe software targets 80% pool utilization, which would mean 80% of funds are loaned out, and 20% are available for withdrawal. When this gets skewed (ex: 90% loaned out + 10% withdrawable), interest rates go up: borrowers will pay more and lenders will earn more. In the extreme case where everybody tries to withdraw at once, borrowers will have to repay their loans or face absurdly high interest (100% per day). This helps stabilize the pool.

How do you make sure borrowers are solvent?

Every borrower has an Aloe smart wallet which holds their assets and keeps track of their liabilities (debt). As long as the value of assets > liabilities + wiggle room, the borrower is free to HODL, trade, or market-make with the funds in their smart wallet. However, if Aloe software detects that the wiggle room is shrinking too much, it seizes control of the smart wallet and allows other people (liquidators) to close out the borrower’s positions and repay lenders. Liquidators get a small reward for their trouble.

Ultimately there are no guarantees here, but since Ethereum is a public blockchain, you yourself could keep an eye on borrowers' activity and liquidate them if necessary.

Who can be a lender? Who can be a borrower? Who can be a liquidator?

Anyone! You don't need permission to use the core Aloe software. That said, certain features on our (Aloe Labs') web app may not be available in certain jurisdictions. Always check local regulations before dealing with magic internet money!

Will I earn a fixed interest rate, or does it change over time?

Interest rates change over time, based on supply and demand. If many people lend and few borrow, interest rates will be low. If few people lend and many borrow, interest rates will be high.

How is Aloe different from other money markets like Compound and AAVE?

There are two big differences:

1. On other platforms, you're forced to deposit into one big pool containing 10+ cryptocurrencies. If even one asset fails, the entire pool suffers. Worse yet, they can add/remove assets from the group without your consent. Aloe solves this by letting you pick exactly which assets you trust, and it'll never override your decision.

2. When borrowers ask for money, other platforms give it to them outright. This sounds great, but it means that to borrow $50 of ETH, you'd have to post $100 of collateral. Sometimes useful, but kinda silly! Aloe solves this by giving borrowers smart wallets. If they do reckless things, Aloe can veto them. This means Aloe can safely give out much larger loans, opening up new use-cases like leveraged market-making.