Heartwood
Earn
top supply APYDeposit tokenized T-bills, stablecoins or gold into lending vaults. Yield accrues every block, withdrawals are instant, and nothing is rehypothecated.
Explore earn markets →[ RWA CREDIT MARKETS · SOLANA ]
Real-world yield,
on Solana.
Supply tokenized treasuries, equities and gold. Borrow against them at rates set by a public formula, not a committee.
0MARKETS AT LAUNCH
0RISK TIERS
0%MAX LTV, TREASURIES
SolanaNETWORK
[ 01 · PRODUCTS ]
Two sides of
the same market.
Borrow
borrow APR fromUnlock stablecoin liquidity against tokenized stocks, treasuries or gold, without selling. No term, no application, no phone call. Repay whenever.
View borrow rates →[ 02 · MARKETS ]
Live markets.
Parameters derive from 30-day volatility and redemption
liquidity, reviewed monthly by the risk council.
ASSETSUPPLY APYBORROW APRMAX LTVLIQ. THRESHOLDUTILIZATION
[ 03 · RISK ENGINE ]
Built for the
worst day.
RWAs fail differently than crypto: NAV gaps, redemption gates, after-hours prints. Each mechanism exists because of one of those.
01
Dual oracles, automatic halts
Chainlink feeds cross-checked against signed issuer NAV. Divergence above 2% pauses new borrows in that market. No vote, no delay.
02
Isolated pools
Private credit and real estate borrow only from their own silo. A NAV shock there never reaches the treasury market.
03
Market-hours aware liquidations
Equity collateral runs widened liquidation bands outside exchange hours, so a thin overnight print can't cascade.
04
Dutch-auction unwinds
Liquidations settle by descending-price auction: smaller penalties for borrowers, no gas wars for keepers.
05
First-loss insurance reserve
10 to 20% of interest accrues to a dedicated reserve that absorbs shortfalls before any lender does.
48hPUBLIC TIMELOCK ON EVERY CHANGE
0%ORACLE DEVIATION HALT THRESHOLD
0ADMIN KEYS TO USER FUNDS
[ 04 · SECURITY ]
Audited to protect.
AUDIT · 2026 Q1
Core lending markets
Read report → AUDIT · 2026 Q1Oracle & NAV module
Read report → PUBLIC CONTESTLiquidation engine
See results → BUG BOUNTY$0 max reward
Bounty program →
Immutable core48h public timelockPause-only emergency powersFormally verified invariants
[ 05 · FAQ ]
Questions.
What is Solana?
Solana is a Layer-1 blockchain. Heartwood is being built for the Solana ecosystem, bringing lending and borrowing to tokenized real-world assets. Markets open at mainnet launch.
Why are LTVs different per asset?
Max LTV reflects how volatile an asset is and how quickly it can be sold. A 3-month T-bill token supports 92%; monthly-NAV private credit behind a redemption gate gets 55%, in an isolated pool.
What happens below health factor 1.0?
The position becomes liquidatable: the minimum collateral needed to restore health is auctioned off and the borrower pays the asset's penalty (1 to 10% by tier). Repay or top up collateral any time to avoid it.
How are RWA prices fed on-chain?
Chainlink market feeds plus signed NAV attestations from the issuer. Collateral is valued at the more conservative of the two; divergence above 2% halts new borrows automatically.
Do I need KYC?
Stablecoin lending and borrowing is permissionless. Some tokenized securities are transfer-restricted by their issuer. Using those as collateral requires the issuer's allowlist, checked automatically in-app.