Borrow against your stocks.
Let the loan pay itself down.
Put tokenized stocks in as collateral, borrow USDG against them, and let the loan repay itself: the borrowed USDG earns trading fees in a Uniswap pool, and every fee goes onto your debt. Only you can take money out.
You pay nothing until the loan earns.
Borrowing is free. Moving your debt to a cheaper market is free. Protection from liquidation is free. PAYOFF takes 2.5% of the trading fees the loan earns, and 10% of profit when a position closes in the green. Never on a loss.
Pick a stock. Borrow USDG against it.
See it run, start to finish.
Connect, pick a stock, choose how careful to be, open the loan, and watch it put the USDG to work, collect fees onto the debt and move to a cheaper market. Click to pause.
Three moves, then the loan takes care of itself.
deposit
Put NVDA, TSLA, SPY or WETH into a vault contract only you own. It sits in a Morpho market under your vault's name and can leave only to your wallet.
Open a loan ↗borrow
Borrow USDG against it, up to a ceiling you set. The USDG goes straight into the Uniswap pool for that stock, in a range around today's price.
See the rates ↗earn
Every swap in the pool pays your range a fee. Each collection lands on the loan. A cheaper market appears? The debt moves. Price nears your line? It repays first.
Read the docs ↗Collateral in, USDG out
Your NVDA, TSLA, SPY or WETH goes into a Morpho Blue market under a vault contract only you own. You borrow USDG up to a ceiling you set; Morpho's liquidation line is further out.
The loan goes to work
Your USDG goes into the Uniswap V3 pool for that stock, in a range around today's price. Stock-token pools on Robinhood Chain turn over millions a day, and every swap pays the range a fee.
Fees pay the debt
Every fee collected goes straight onto the loan. A cheaper market for the same stock? The debt moves there in one transaction. Price falling toward your safety line? Part of the loan is repaid before Morpho could ever liquidate.
Only you can take money out.
Your loan lives in a vault only you own
Every loan is its own small contract with you as the owner. Withdrawals go to your wallet and nowhere else. Turn auto-repay off, change the safety settings, or hand the vault to a new owner, any time.
Auto-repay can work, not withdraw
The part that repays your loan may put USDG into the pool, collect fees onto the debt, move the debt to a cheaper market, and repay early. It cannot send a token to any address. Even if its key leaked, nobody could steal from you.
Oracle-policed prices
Every swap must fill at the oracle price less the slippage you allow; the pool's price is checked against it too. No price, no trade.
Atomic refinancing
Morpho's own flash loan: repay the old market, move the collateral, borrow in the new one, repay the loan. All or nothing.
Liquidation protection
Choose a safety line below where Morpho would liquidate. When the price gets there, part of the loan is repaid: from idle USDG first, then the pool position, and only then a slice of collateral.
Nothing hidden
The rules auto-repay follows are one readable file. What it will do next is shown on every loan page before it happens, with the reason. Every action lands on chain and in the activity log.
Put your idle stock tokens to work.
No minimum. No lock-in. Nothing to trust but a contract you own and can read.