Fixed borrow rate today: 4.48%

Fixed rates, unfixed potential

Borrow at a rate that never moves, stack your leverage in one click and earn organic yield on DOLA, the stablecoin of Inverse Finance.

Launch FiRMEarn with sDOLA
DeFi Safety score of 87%, audited by Code4rena, yAudit, Nomoi, Peckshield and more
Your rate, locked
FiRM fixed rate Variable rate, illustrated
4.48% fixed
FiRM TVL
$83.83M
Collateral deposited
DOLA borrowed
$67.54M
Open fixed-rate loans
Fixed borrow rate
4.48%
Today's DBR price
sDOLA APY
6.71%
Organic savings yield
DOLA supply
$70.42M
In circulation

Trusted by the best in DeFi

AerodromeBunniCurveCoinbaseFraxGearboxResupplyAlchemixConvexEthenafx protocolPaypalResolvStakeDAOTokemakYearnBeefyPendleSpectra

Products

Borrow, earn and govern, around one stablecoin

Inverse Finance builds DOLA and the protocols that put it to work, all owned and governed on-chain by INV holders.

FiRM

Fixed-rate borrowing

Borrow DOLA against ETH, BTC, LP tokens and yield-bearing stablecoins at a rate you lock in advance, never a surprise.

TVL
$83.83M
Fixed rate
4.48%
Launch FiRM

sDOLA

Savings stablecoin

Stake DOLA and earn the organic yield paid by FiRM borrowers, auto-compounding, with no lockup.

APY
6.71%
TVL
$19.99M
Start earning

jrDOLA

Junior tranche

The first-loss layer of DOLA savings: it absorbs bad debt before sDOLA and earns extra yield for that risk.

APY
27.52%
TVL
$246.44K
Earn more with jrDOLA

DOLA

Decentralized stablecoin

A debt-backed stablecoin soft-pegged to the US dollar, minted by FiRM loans and liquid across DeFi.

Circulating supply
$70.42M
Price
$0.997
Learn about DOLA

INV

Governance token

INV holders own and steer the DAO: they vote on every change to FiRM, DOLA and the treasury, and can stake for DBR rewards.

Price
$9.62
Proposals passed
385
Buy and stake INV

Monolith

Stablecoin factory

Launch your own crypto-backed CDP stablecoin: flexible at first, built to last and destined to immutability.

Visit Monolith

FiRM, the Fixed Rate Market

Lock in. Dream bigger.

Whether it's longing ETH, looping LP tokens or just borrowing at size, break free from the drag of unpredictable interest rates.

Safeguarded with on-chain monitoring
  1. 1

    Deposit your collateral

    It goes into your own Personal Collateral Escrow: never loaned out, still earning its yield and partner points.

  2. 2

    Lock your rate

    Borrow DOLA at a fixed rate set by DBR: one DOLA Borrowing Right covers one DOLA of debt for a year, priced at 4.48% today.

  3. 3

    Leverage in one click

    Loop yield-bearing assets up to 12.5x in a single transaction, and unwind just as fast.

Try it out nowRead the docs
TVL
$83.83M
Borrowed
$67.54M
Fixed rate
4.48%

Top markets

19 markets open to borrowing, by deposits

All markets
CollateralTVLMax leverage
sUSDe-DOLA$41.9M12.5x
yv-sUSDe-DOLA$11.53M12.5x
scrvUSD-sDOLA$5.95M7.6x
sUSDS-DOLA$5.57M10x
reUSD-sDOLA$3.06M6.6x
sSwanUSD$3.01M6.6x

Compare FiRM

FeaturesAave
Interest rateFixedVariable
CollateralNever loaned to othersLoaned to others
Looping and leverageUp to 12.5x, one clickLimited
Borrow against LP tokens
Partner pointsKeep earning themSurrendered

Earn

Save different: sDOLA

DOLA enables some of the most attractive yield opportunities in DeFi. sDOLA takes it further: a yield-bearing stablecoin born from the FiRM lending market, its returns fueled by real activity, not centralized compromises.

100% organic yield

sDOLA

Staked DOLA, no lockup

Its exchange rate rises as the yield of the FiRM lending market accrues: just hold it and the yield compounds itself.

APY
6.71%
TVL
$19.99M
Earned by stakers
$2.53M
Start earning

jrDOLA

The junior tranche

It stands first in line to absorb bad debt, shielding sDOLA, and earns an extra yield for it. Withdrawals go through a queue.

APY
27.52%
TVL
$246.44K
Risk
First loss
Learn about jrDOLA

How sDOLA works, explained. More ways to put DOLA to work in the yield opportunities guide.

Security

Our obsession is safety

Security innovations like Personal Collateral Escrows keep your collateral staked and isolated, never loaned out, while oracle safeguards price out manipulation.

  • Personal Collateral Escrows

    Every borrower's collateral sits in its own escrow, staked and isolated, never loaned out to anyone.

  • Manipulation-resistant oracles

    Oracle safety measures make price manipulation, flash loan and similar attacks financially unfeasible, not just difficult.

  • Audited and monitored

    Rigorous audits, bug bounty programs and on-chain monitoring, backed by years of protocol risk experience.

See our auditsFiRM security and safetyRisk documentation
87%
DeFi Safety score

Read DeFi Safety's report

$83.8M
Staked collateral

Held in isolated escrows on FiRM

Audits and bug bounties by

Code4renaSherlockNomoiyAuditPeckshieldDefiMoonDeFi Safety

Governance and transparency

Owned by INV holders, open by default

Every change to FiRM, DOLA and the treasury goes through an on-chain vote, and every dollar is accounted for in public.

On-chain governance

INV holders and their delegates decide

Proposals are voted on-chain and, once passed, executed through the DAO's timelock. Delegate your voting power, or vote yourself.

Proposals passed
385
Pass rate
93.9%
Open for votes
1
Vote and delegate The DAODelegates

Transparency portal

Don't trust, verify

The treasury, DOLA's supply and feds, liquidity, bad debt repayments and buybacks, all tracked live from the chain.

Key MetricsTreasuryFoundationveNFTsLiquidityDOLA & FedsFeds PolicyBad DebtsBuybacks

Ecosystem

Alliances built on trust

Top DeFi protocols build with Inverse Finance: 68 partners across exchanges, lending, yield, security and more.

Ready to experience fixed rates?

Lock your borrowing rate on FiRM in a few clicks, or join the community that runs Inverse Finance.

Get started now Join the Discord
Or read the docs first