NVDATokenized stock
Asking10,000 USDG
Term10 days
Interest0.85% (31.03% APR)
Loan to value55% LTV
72% funded
The gate
Founding Bankers get in first.
The desk opens to holders before it opens to anyone else. Connect a wallet holding at least 100,000 $BANKER and take your number.
STONKBANKERS · ACCESS CONTROLAWAITING WALLET
MINIMUM HOLDING: 100,000 $BANKER
Connect to verify your balance.
We read your balance to check the threshold and store your address to notify you at launch. Nothing is spent, approved, or transferred.
FOUNDING BANKER — DESK CODE
#0000
00000NOW SERVING
Connect capital with opportunity. Cut out the institution.
Someone holds an asset and needs liquidity. Someone else has money sitting idle. The bank used to stand in the middle and set every term. Now the contract does — and you pick your side.
I have capital
I need a banker
Become the bank
Open the desk, read the collateral, judge the LTV and the term. Fund the deal you'd actually take. Nobody hired you — you brought the capital.
Enter the lending desk →
Don't sell your stonks
You believe in the asset. You still need the cash. Lock approved collateral, name your terms, and let the market decide whether the deal is worth funding.
Enter the loan desk →
The manifesto
Bankers have always been part of finance. Then the bank became the system.
When money moves, a banker is responsible. Someone owns a house but needs money. Someone owns a business but needs to expand. Someone owns stocks he doesn't want to sell. Somebody else has capital sitting idle. The banker stands between them, and gets paid for standing there.
That simple relationship hardened into an institution. Because the bank holds the money, the bank decides: who qualifies, what your collateral is worth, what your rate is, whether you're worth the risk.
When the decisions are bad, everyone pays. When they're good, the bank keeps the profit. That asymmetry is the product, not a bug in it.
So the idea came: what if we became the bank? Stonkbankers takes the same relationship and makes it simple, transparent and permissionless. A borrower has an asset. A lender has capital. The contract handles the rest.
Bankers don't wear suits anymore. A Stonkbanker can be anyone with unused USDG and an opinion about a deal.
"Every broker needs a banker."And sometimes you're the broker. Sometimes you're the banker. The desk works both ways.
Read the full manifesto
The difference
Same relationship. Different party holding the pen.
Nothing here is new finance. It's the oldest arrangement there is, with the decisions handed back to the two people actually in the deal.
| Who decides | A bank | Stonkbankers |
|---|---|---|
| Who qualifies | A credit committee you never meet. | Whoever puts up approved collateral. |
| What collateral is worth | The bank's internal model. | A public LTV every lender can see. |
| Your rate | Set for you, explained afterwards. | Proposed by you, accepted or ignored. |
| Who eats a bad call | Everyone, eventually. | The lender who funded that deal. |
| Where the spread goes | The institution in the middle. | The person who supplied the capital. |
Open risk
We're not going to pretend the risk went away.
Decentralization was never meant to make lending safe. It was meant to make it legible. Here is exactly what can go wrong, in the same plain language we'd use if you asked us in a DM.
Collateral falls
The asset backing a loan can lose value fast. A comfortable LTV at noon isn't a comfortable LTV at midnight.
Borrowers default
People fail to repay. The contract hands you the collateral, not your expected return — and you're now holding an asset you didn't choose.
Bad deals get funded
Nobody screens the desk for you. If you fund a thin margin on an illiquid asset, that was your call to make and your loss to carry.
Markets stay volatile
Terms that made sense in a calm week can unwind in an hour. Short terms are not automatically safe terms.
Contracts are code
Audits reduce risk. They don't remove it. Never lend or borrow more than you can lose outright.
> Open risk beats hidden risk. Market decisions beat institutional permission.
> The goal was never an infallible bank. The goal is a desk where you design the rules, choose to participate, and own the outcome.
← BACK TO THE LOBBY
Become the bank.
You have USDG sitting idle. Somebody has an asset and a deadline. Read the deal, price the risk yourself, and fund the one you'd actually take.
How lending works
Three decisions, all of them yours.
You're not depositing into a pool that allocates on your behalf. Every request is a single deal you accept or walk past.
- Open the deskBrowse live requests — tokenized NVDA, AAPL, a CryptoPunk, a BAYC.
- Read the dealLTV, term length, total interest, and what happens on default. All of it, upfront.
- Fund itYour USDG goes to the borrower. The collateral locks in the contract until repayment.
The desk
Open requests waiting for a banker.
This is a preview of the desk layout with sample deals, so you can see exactly what you'll be judging before the protocol goes live.
AAPLTokenized stock
Asking4,500 USDG
Term3 days
Interest0.31% (37.7% APR)
Loan to value48% LTV
40% funded
PUNK #4021NFT collateral
Asking32,000 USDG
Term14 days
Interest1.90% (49.5% APR)
Loan to value35% LTV
88% funded
TSLATokenized stock
Asking2,750 USDG
Term7 days
Interest0.66% (34.4% APR)
Loan to value60% LTV
25% funded
BAYC #7788NFT collateral
Asking18,000 USDG
Term21 days
Interest2.40% (41.7% APR)
Loan to value38% LTV
61% funded
MSTRTokenized stock
Asking7,200 USDG
Term5 days
Interest0.44% (32.1% APR)
Loan to value50% LTV
15% funded
> no open requests in this category right now.
What you're judging
Five numbers decide whether a deal is worth your capital.
| Field | What it tells you | What to watch for |
|---|---|---|
| Collateral | The asset locked in the contract if the borrower doesn't repay. | How fast can you actually sell it on a bad day? |
| LTV | Loan size against collateral value at the time of the request. | Low LTV is your only cushion against a price drop. |
| Term | How long your capital is committed. | Long terms mean more time for the collateral to move. |
| Interest | The total you're paid if the loan is repaid on time. | A high rate is usually the market pricing real risk. |
| Default path | What the contract does when repayment doesn't arrive. | You receive the asset, not your expected return. |
Lender risk
The honest version, before you commit anything.
Nobody underwrites the deal for you. That's the whole point, and it's also the whole risk.
Collateral falls
The asset backing a loan can lose value fast. A comfortable LTV at noon isn't a comfortable LTV at midnight.
Borrowers default
People fail to repay. The contract hands you the collateral, not your expected return — and you're now holding an asset you didn't choose.
Bad deals get funded
Nobody screens the desk for you. If you fund a thin margin on an illiquid asset, that was your call to make and your loss to carry.
Markets stay volatile
Terms that made sense in a calm week can unwind in an hour. Short terms are not automatically safe terms.
Contracts are code
Audits reduce risk. They don't remove it. Never lend or borrow more than you can lose outright.
> If you wouldn't take this deal with your own money in a room with the borrower,
> the contract doesn't make it a better deal.
Next step
The desk opens to Founding Bankers first.
Hold at least 100,000 $BANKER, connect your wallet, and take your number in the queue.
Take a number
← BACK TO THE LOBBY
Don't sell your stonks. Bank them.
You believe in the asset. You still need cash this week. Selling means letting go permanently — borrowing against it doesn't.
How borrowing works
You set the terms. The market answers.
There's no credit committee and no application. You publish the deal you want, and lenders decide whether it's worth their capital.
- Lock the collateralApproved tokenized stocks and blue-chip NFTs go into the contract.
- Name your termsAmount in USDG, term length, and the interest you're willing to pay.
- Let the market answerFunded means cash in your wallet. Not funded means your price was wrong.
- Repay and unlockPay principal plus interest before the deadline and your collateral comes straight back.
Price your own deal
Move the sliders. See what you'd owe.
The interest you offer is what makes lenders take your deal or scroll past it. Work out the number before you publish it.
10,000 USDG
10 days
0.85%
INTEREST (TOTAL)85.00
YOU REPAY10,085.00
APR31.03%
> Interest is the whole cost of the loan, not a running rate. APR is just the annualised view of the same number.
A worked example
What a funded loan actually looks like.
Same numbers as the panel above, spelled out so nothing hides in a tooltip.
| Line | Value | What it means |
|---|---|---|
| Collateral | Tokenized NVDA | Locked in the contract, still yours if you repay. |
| You receive | 10,000.00 USDG | Paid straight to your wallet when the deal is funded. |
| Term | 10 days | The deadline is fixed. There's no rolling grace period. |
| Interest | 85.00 USDG (0.85%) | The full cost of the loan, not a rate you have to model. |
| APR | 31.03% | The annualised view. Short loans always look steep here. |
| You repay | 10,085.00 USDG | Pay it before the deadline and the collateral unlocks. |
Accepted collateral
What you can bank.
The approved list starts narrow and grows with liquidity. Thin markets make bad collateral, and bad collateral doesn't get funded.
| Type | Examples | Typical LTV |
|---|---|---|
| Tokenized stocks | NVDA, AAPL, TSLA, MSTR | 45–60% |
| Blue-chip NFTs | CryptoPunks, BAYC | 30–40% |
| Majors | Deep, liquid crypto assets | 50–65% |
Borrower risk
If you miss the deadline, you lose the asset.
That's the trade you're making. It's a good trade when you're sure about the repayment and a terrible one when you're hoping.
Default is final
Miss the deadline and the collateral goes to the lender. There's no negotiation, no workout department, no extension.
Price drops still hurt
Your collateral can fall while it's locked. You keep the exposure without the ability to sell out of it.
Nobody may fund you
If your terms are worse than the desk's appetite, the request just sits there. Public terms mean public rejection.
Short terms compound pressure
A 10-day loan needs a 10-day plan. Borrowing against conviction is not the same as borrowing against cash flow.
> Borrow against an asset you'd be willing to lose.
> If losing it would break you, sell a piece instead — that's the honest advice.
Next step
Get in the queue before the desk opens.
Hold at least 100,000 $BANKER, connect your wallet, and take your number.
Take a number
← BACK TO THE LOBBY
Why we're Stonkbankers.
The full argument, start to finish. It takes about four minutes.
Bankers have always been part of the finance world. When money moves, a banker is responsible. Someone has capital. Someone else has an asset, an opportunity, or a reason they need liquidity. The banker stands between them.
At its core that's all banking is: connect capital with opportunity. Someone owns a house but needs money. Someone owns a business but needs to expand. Someone owns stocks he doesn't want to sell. And someone else has money sitting idle and wants to put it to work. The bank connects the two, and gets paid for connecting them.
THEN THE BANK BECAME THE SYSTEM
That simple relationship hardened into an institution. Because the bank holds the money, the bank decides. Who qualifies. What your collateral is worth. What your rate is. Whether you're worth the risk at all.
When they make terrible decisions, everyone pays the consequences. When they win, they keep the profits. That asymmetry isn't a flaw in the model — it is the model.
So the idea came: what if we became the bank?
BANKERS DON'T WEAR SUITS ANYMORE
This was the rallying cry of blockchain from the start, and Stonkbankers is an attempt to take it literally: simplify the system, make it transparent, make it permissionless. A borrower has an asset. A lender has capital. The contract handles the rest.
A Stonkbanker can be anyone. Maybe you have unused USDG in your wallet. You open the desk and see somebody putting up tokenized NVDA or a CryptoPunk. You look at the LTV, the term, the return. You decide where your money goes. You become the banker — not because somebody hired you, not because somebody gave you permission, but because you provided the capital.
AND SOMETIMES YOU NEED A BANKER
This part matters just as much. Imagine owning an asset you really believe in — your AAPL, your BAYC — and needing liquidity. Selling means letting go of it completely.
Stonkbankers offers the other option: don't sell your stonks, bank them. Lock your approved collateral, ask for USDG, pick your terms, and let the market decide whether the deal is worth funding.
OPEN RISK BEATS HIDDEN RISK
This isn't about pretending the risk disappeared. Decentralization was never meant to magically make lending safe. Collateral can fall in value. Borrowers can fail to pay and default. Lenders can make bad deals. Markets stay volatile.
The goal isn't to replace the myth of the infallible bank with a new one. The goal is a system where participants make their own deals, understand the rules, choose to participate, and own the decision. Open risk is always better than hidden risk. Market decisions are better than institutional permission.
That's why we're Stonkbankers.
EVERY BROKER NEEDS A BANKER.
DON'T SELL YOUR STONKS. BANK THEM.
BRING CAPITAL. FUND THE DEAL.
BECOME THE BANK.
