Self-Repaying Loans

Borrow against your real estate tokens while earning yield that automatically repays your loan. Access liquidity without selling your appreciating assets.

Instant Liquidity

Borrow up to 40% of your assets value immediately, from an Aave integration.

Keep Earning Yield

You are exposed to both your supllied assets performance, and a RWA investment.

Auto-Repayment

Lend income repays your loan weekly, gradually reducing your risk.

Simulate my Self-Repaying Loan

Choose your collateral asset, set your LTV, and pick a Lend operation to see how the yield automatically repays your Aave V3 loan.

Indicative rates (Aave V3 unavailable)

Your collateral (supply)

125,000USD

ETH

1 ETH = $2,500 (live Aave V3) - supply APY: 1.80%

LTV (Loan-to-value)

37,500USDC

5%10%15%20%25%30%35%40%

USDC borrow APR on Aave V3: 5.50% (live rate)

Lend operation to invest inYour borrowed USDC will be invested in this operation

10.0%APY

ETH supplied (Annual Yield)

2,250USD

1.80% APY on 50 ETH

USDC borrowed (Yield with Lend )

3,750USDC

10.0% APY with 37,500 USDC in Lend

Loan Interest (Aave V3)

2,063USDC

5.50% APR on 37,500 USDC

Net Repayment

3,937 USDC

per year

Estimated Payoff Time

Your loan repays itself automatically, without spending a cent.
Keep your LTV healthy and re-allocate to a similar APY operation if the current one ends.

~9.53 years

Want to give it a try?

Invest in Lend, borrow on Aave

View operations

Have questions?

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Disclaimer

Self-Repaying Loans are not a service offered by Lend . This is a DeFi strategy you can execute yourself by combining Lend real estate tokens with Aave V3 , a fully decentralised, permissionless lending protocol.

Lend does not manage, custody, or control any funds on behalf of its users in the context of this strategy. Using Aave V3 involves smart-contract risk, liquidation risk (if your LTV exceeds the liquidation threshold), and market risk (asset price fluctuation). Always monitor your position and maintain a safe collateral ratio.

APY figures displayed are indicative and based on current Aave V3 market rates and Lend operation target returns. Past performance does not guarantee future results. This page is for informational purposes only and does not constitute financial advice.