Documentation

Hedge is a lending protocol on Solana. You deposit memecoins or tokenized stocks as collateral, and borrow SOL against them — without selling your assets. You keep full upside exposure while accessing liquidity.

1. Connect your Solana wallet — Phantom, Backpack, or Solflare.
2. Select collateral — pick an asset and enter the amount you want to deposit.
3. Review your quote — see the real-time USD value, LTV applied, and SOL you'll receive.
4. Send collateral — approve the transaction. Your tokens are sent to the Hedge treasury.
5. Receive SOL — our team reviews your request and sends SOL to your wallet within 5 minutes.

We accept both memecoins and tokenized stocks (Backed Finance xStocks) as collateral:

• Memecoins: BONK, WIF, POPCAT, MYRO
• Tokenized Stocks: Apple (AAPLx), Tesla (TSLAx), NVIDIA (NVDAx), Microsoft (MSFTx)

LTV ratios range from 75% to 90% depending on the asset. Tokenized stocks generally get higher LTV due to lower volatility.

LTV determines how much SOL you can borrow relative to your collateral's value. For example, if you deposit $100 worth of BONK at 80% LTV, you can borrow up to $80 worth of SOL.

1. Go to your Dashboard.
2. Find your active loan and click Repay.
3. Send the exact SOL amount back to the treasury wallet shown.
4. Important: Use the same wallet you borrowed with. Payments from other wallets are rejected.
5. Paste the transaction signature — the system verifies it on-chain automatically.
6. Once confirmed, your collateral is returned to your wallet.

If we reject a borrow request, your collateral is refunded in full. You'll see a “Refunded” status on your dashboard with a link to the refund transaction on Solscan.

Every repayment you make builds your on-chain credit score. This score is stored on Solana and factors in:

• Repayment history (on-time vs late)
• Collateral quality
• Utilization rate
• Account age

Higher scores will unlock better LTV ratios and priority processing in future updates.

• All collateral transfers are verified on-chain via Helius RPC before any request is logged.
• Repayment transactions are verified for sender, amount, and timing.
• Transaction signatures cannot be reused across multiple requests.
• No smart contracts — funds are held in a multisig treasury and managed by the team.

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