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Liquity is a decentralized borrowing protocol that allows users to borrow against the value of their Ethereum (ETH) holdings without requiring collateral.



Liquity is a decentralized borrowing protocol that enables users to borrow funds using their Ethereum (ETH) as collateral without the need for additional collateral. This protocol aims to provide a more efficient and accessible borrowing option for users by using a Stability Pool to stabilize the value of the Liquity stablecoin.



Taker fee =
Fees vary depending on the current utilization rate of the Stability Pool and network gas fees
Maker fee =


supported currencies

Available in the US?
Year founded
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  • The platform is decentralized to the nth degree.
  • Borrowing money comes with a 0% interest rate.
  • In compared to other platforms, the collateralization ratio is only 110 percent, which is fairly low.
  • Because the platform has no oversight, there is little possibility of manipulation.
  • is unaffected by censorship.
  • In terms of data and finance, the platform maintains a high level of protection.
  • No collateral required for borrowing
  • Lower fees compared to traditional borrowing methods
  • Offers a more efficient and accessible borrowing option


  • Poor customer support
  • The protocol is still in the early stages of development
  • High gas fees on the Ethereum network may impact transaction costs
  • The protocol relies heavily on the stability of the Stability Pool


  • Interest-free Borrowing
  • 3rd party frontends 
  • Censorship Resistant
  • 110% Collateral Ratio
  • Efficient liquidations 
  • Redeemable Stablecoin
  • Governace Free 
  • Incentives for stability providers 
  • Incentive for stakers
  • Collateral-free borrowing
  • Stability Pool for stabilizing the value of the stablecoin
  • LiquityDAO for decentralized governance






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In their own words

Customer Reviews Of 






What is Liquity?

Founded in 2019 by Rick Pardoe and Robert Lauko, is a platform that runs a decentralized asset borrowing mechanism. users use a proprietary protocol to acquire 0% interest crypto-asset loans from the platform in exchange for the deposit of an Ether token as collateral. The platform has set a minimum collateral ratio of 110 percent. The loan is offered by in the form of LUSD, a stablecoin whose current value is pegged to that of the US dollar, which is $1.

Users who deposit LUSD into the Stability Pool receive LQTY incentives pro rata. By marking deposits supported by their interface and setting the proportion of LQTY to "kickback" to their users, Frontend Operators can collect a share of these rewards. The money provided by a frontend grows in direct proportion to the total amount of LUSD put in the Stability Pool by its users.

The loans at are secured by collateral assets, other borrowers who collectively serve as guarantors, and, most crucially, the Stability Pool. Because of its decentralization, the reviews reveal that the platform's protocol is immutable, non-custodial, and governance-free.

What problem does Liquity solve?

Liquity solves the problem of collateral requirements for borrowing by allowing users to borrow funds against the value of their ETH holdings without requiring additional collateral. This offers a more accessible borrowing option for users who may not have additional collateral to use for borrowing.

Who uses Liquity?

Liquity is used by a range of individuals and entities, including cryptocurrency traders, investors, and individuals who need access to funds without the need for additional collateral.

What can Liquity be used for?

Liquity can be used for a variety of applications, including borrowing funds for trading or investment purposes, accessing capital without requiring additional collateral, and participating in decentralized governance through LiquityDAO.

How to get started with Liquity?

To get started with Liquity, users can visit the Liquity website and connect their Ethereum wallet. They can then use their ETH holdings to borrow funds and participate in LiquityDAO governance. There are also a variety of online resources, including tutorials and documentation, that can help users get started with using Liquity.

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