| name | defi-lending |
| description | Use this skill when the user wants to lend, borrow, or earn yield on Cardano.
Triggers on: "lend ADA", "borrow", "supply liquidity", "earn APY",
"lending pools", "what's the best APY", "Surf Finance", "FluidTokens",
"collateral", "loan". Use defi-lending-operator to execute transactions.
|
| version | 1.0.0 |
Cardano DeFi Lending & Borrowing
Supply assets to earn yield or borrow against collateral via Surf Finance.
Capabilities
- Browse lending pools with APY, APR, LTV, and available liquidity
- Supply assets to earn APY
- Borrow against collateral at known APR
- Compare pools by returns and risk
Providers
| Provider | Supply | Borrow | API Key Required |
|---|
| Surf Finance | Yes (earn APY) | Yes (post collateral) | No |
| FluidTokens | No | Yes (NFT collateral) | Yes (FLUID_PARTNER_KEY) |
Scripts
List Lending Pools
node scripts/list-pools.js [--sort supplyApy|borrowAprPct|available]
Supply (Deposit)
node scripts/supply.js --address <bech32> --pool <poolId> --amount <lovelace>
Borrow
node scripts/borrow.js --address <bech32> --pool <poolId> --amount <lovelace> --collateral <lovelace>
Key Concepts
- Supply APY: Annual yield earned by depositing into lending pools
- Borrow APR: Annual interest rate paid on borrowed funds
- Max LTV: Maximum loan-to-value ratio (e.g. 75% means borrow up to 75% of collateral value)
- Term Hours: Some pools have fixed-term loans;
null = flexible
- Amounts in smallest units (lovelace for ADA pools)
- Surf API returns unsigned CBOR directly โ sign and submit via operator
Safety Rules
- Always show pool APY/APR and LTV before committing
- Warn about liquidation risk if LTV is close to max
- Show effective borrow cost (APR + any fees)
- Require explicit confirmation before supply or borrow
