Ensofi

Start by choosing what you want to accomplish: lock in a cost of capital or provide predictable yield. As a borrower, connect your wallet, pick the chain where you’ll receive funds (Solana, Sui, Monad, or Movement), and select the asset you want. Set your target fixed APR and a maturity window, then choose what you’ll post as collateral. The interface estimates required collateral and a safety buffer using live Pyth Network prices, so you see health, liquidation distance, and repayment totals before you sign. If your collateral sits on a different network, a guided flow moves it with Wormhole and shows confirmations step by step. Simulate early payoff, partial repayments, and rollover options before committing, then confirm in one transaction bundle.

After origination, track the position on a single dashboard. You can top up collateral when volatility rises, repay in stages, or close early if rates move in your favor. Set alerts by percentage health, time to maturity, or price deviation; receive pings when collateral needs attention. When the term ends, settle with a click or roll the balance into a new fixed term and keep the same collateral without bridging back and forth. Transparent schedules display interest due, principal, and any projected fees, so accounting is straightforward.

For capital providers, choose between adding funds to fixed-term pools or posting your own offers with custom parameters. Define rate, tenor, asset, maximum allocation per borrower, and accepted collateral types. Spread exposure across multiple chains, cap risk per market, and enable auto-laddering to stagger maturities. Turn on rules that pause new fills when oracle deviation exceeds your threshold or when utilization hits a limit. Real-time reporting shows quoted versus realized yield, daily accrual, and pending maturities. Uncommitted capital is withdrawable anytime; principal from filled terms returns at maturity.

Building with Ensofi is straightforward. Use the SDK or REST endpoints to request quotes, validate collateral against Pyth feeds, trigger a Wormhole transfer, and finalize the loan in a single flow. Webhooks notify your backend about margin calls, repayments, liquidations, and maturity events, allowing bots to rebalance or roll automatically. Teams embed borrowing into trading systems, treasury tools, or consumer apps while keeping users on their preferred chain. A staging environment mirrors production routes so you can test settlement, bridging, and edge cases before going live.