🤝P2P Liquidity

Stake Bitcoin in L1. Get liquidity in CORE and USDC.

Get liquidity in CORE & USDC

VaultLayer’s P2P NFT Lending Market allows users to unlock liquidity using staked Bitcoin (and other assets) as collateral. The system operates trustlessly across multiple EVM chains, creating a decentralized over-the-counter (OTC) marketplace for loans.

• The P2P Liquidity market allows Smart Vault NFT holders of selected collections, with L1-staked Bitcoin, CORE and other supported chains, to get access to liquidity without having to sell.

• Users in need of liquidity make a loan request instead, using the assets in their Smart Vault NFT as collateral, set their terms (amount, APR and maturity time), and lenders bid using a reverse auction approach.

• The lender with the best bid, provides liquidity and earns yield or the Smart Vault NFT collateral in case of default.

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🌉 Multi-Chain Liquidity

VaultLayer has deployed the P2P Lending Market across multiple chains to enable cross-chain liquidity against staked BTC and other assets:

CORE (vltCORE)

• Stake BTC and use it as collateral.

• Earn more for CORE staking and get BTC on discount.

Other EVM L2s (USDC)

• Get exposure to BTC staked on L1 and use it as collateral.

• Get access to discounted BTC via P2P.

Chain	Loan Token	Use Case
CoreDAO	vltCORE	Stake BTC, borrow CORE using Smart Vault NFT
Arbitrum	USDC	Access discounted BTC via lending markets
BSC	USDC	OTC loans for LSV holders
Avalanche	USDC	Bid on loans backed by staked BTC
Optimism	USDC	Get yield on BTC-backed Smart Vault NFT loans
Base	USDC	Institutional lending exposure to BTC staking

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⚙️ How It Works

Borrowers lock eligible NFTs — like Liquid Smart Vaults or CoreDAO NFTs (e.g., Coretoshi, Core Origin) — as collateral and define loan terms:

• Loan amount

• APR

• Maturity time

Lenders bid using a reverse auction approach. The best bid (lowest interest rate) wins, providing liquidity in either $CORE or $USDC depending on the chain. If the borrower defaults, the lender claims the Smart Vault NFT.

⚠️ Loans are P2P (Peer-To-Peer) and OTC (Over The Counter). Floor prices are informational only — DYOR is essential for both borrowers and lenders.

⚠️ As a best practice, loans should be over-collateralized, meaning the value of the underlying assets should be bigger than the loan amount being requested.

For the detailed documentation on how to borrow or lend, check:

• Use Bitcoin as collateral

• Earn providing liquidity

ℹ️ Fees: Flat platform fee of 2% flat for lend and borrow.

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P2P Liquidity is a foundational piece of VaultLayer’s broader vision:

Stake Bitcoin in L1. Get Liquidity in CORE & USDC everywhere.