# Welcome to ZeroLend

A comprehensive guide to our multi-chain, non-custodial lending platform, detailed token utilities, and innovative features.

ZeroLend is a leading lending market specializing in Layer 2 (L2) solutions, Liquid Restaking Tokens (LRTs), Real World Assets (RWAs), BTCFi, and memecoins. The platform’s security is audited and safeguarded by Chaos Labs, Zokyo, Halborn, PeckShield, Sherlock, ImmuneFi, Cantina, Hypernative, and Hexagate

<figure><img src="/files/xBQgWLmnNlHUGRDZxt4G" alt=""><figcaption></figcaption></figure>

## The ZeroLend Ecosystem

The core products and features within the ecosystem:&#x20;

1. **DeFi Lending (Live):** A decentralized, non-custodial liquidity protocol enabling users to participate as liquidity providers and borrowers. This forms the basis of the ecosystem, assisting capital formation, leverage, and over-collateralized lending activities in general.
2. **ZeroLend** **Governance ($ZERO)**: A governance system for governing the ZeroLend Protocol, enabled by the $ZERO token. To learn more, read "[Zeronomics](/governance/token-overview)"
3. **Liquid Restaking Token Lending (Live)**: Users can deposit LRTs like EtherFi, Puffer, Renzo, and Kelp and take loans in stablecoins/ETH. To know more, read "[LRT Lending](/features/lrt-lending-market)"
4. **Real World Asset Lending (Live)**: Users can deposit RWAs and take over collateralized loans in the form of stablecoins or ETH. To know more, read "[RWA Lending](/features/rwa-lending)"

{% hint style="info" %}
If you still have any questions or issues, contact the ZeroLend team through [Discord](https://discord.gg/zerolend).
{% endhint %}


# Lending and Borrowing

This page talks in detail about ZeroLend’s lending protocol.

## How does lending work in TradFi?      &#x20;

TradFi loans are not inclusive and permissionless, as intermediaries like banks and credit agencies manage user data and dictate loan terms. Unlike DeFi, where you can get a loan within a few seconds, securing a massive loan in traditional banking involves lengthy approval processes.&#x20;

## How is ZeroLend different from TradFi lending?

ZeroLend introduces a permissionless lending protocol where users can lend/borrow in a trustless manner regardless of their financial or geographical background.&#x20;

With ZeroLend, you can connect your wallet, deposit the required collateral, and instantly get the loan amount in your wallet. We don’t have lengthy paperwork or take weeks to approve loans selectively.     &#x20;

Unlike traditional banking, you earn incentives to supply and borrow crypto assets on ZeroLend. Our users get competitive supply and borrow APY, ecosystem points, and points from our partner projects.&#x20;

## Leverage market opportunities with DeFi loans on ZeroLend

<figure><img src="/files/RXAQfnZwZRcRrfPEUVbg" alt=""><figcaption></figcaption></figure>

DeFi is an opportunity-cost market, which makes it important to use your capital efficiently. With DeFi loans, you can leverage to hold multiple tokens against the same collateral.\
\
Let's understand this with an example.\
\
Suppose you're an $ETH investor who believes in the long-term potential of ETH-based tokens. Instead of holding $ETH in your wallet, you can deposit it as collateral on ZeroLend and borrow $USDT to buy other tokens in the $ETH ecosystem. Of course, all of this comes with the added risk of leverage. However, if you manage your positions well, you can combat this risk and multiply your yields.&#x20;

***

## Market Opportunities

### DeFi Strategy Examples

1. **Yield Farming**
   * Borrow against existing assets
   * Deploy borrowed funds in high-yield opportunities
   * Profit from interest rate arbitrage
2. **Portfolio Leverage**
   * Use single collateral for multiple token positions
   * Maintain exposure to various assets
   * Optimize capital efficiency
3. **Trading Strategies**
   * Access quick liquidity for market opportunities
   * Execute timing strategies without selling core positions
   * Manage portfolio rebalancing efficiently

## Technical Infrastructure

### Smart Contract Architecture

* **Modular Design**: Separate contracts for different protocol functions
* **Upgradeable Components**: Future-proof system architecture
* **Security Features**: Emergency pause functionality and access controls
* **Gas Optimization**: Efficient transaction processing

### Oracle Integration

* **Price Feeds**: Real-time asset price data
* **Interest Rate Models**: Dynamic rate adjustment mechanisms
* **Market Data**: Comprehensive market information

<br>


# Parameters

This page talks about important parameters related to DeFi Lending/Borrowing

### **Max LTV (Loan to Value)**

The Loan to Value ratio represents the maximum amount you can borrow against your collateral. It's expressed as a percentage of the collateral's value.

For instance, $WETH has an 80% LTV on ZeroLend's Linea Market. Here, you can borrow 0.8 $WETH for every $WETH you deposit as collateral on ZeroLend.&#x20;

<figure><img src="/files/jxuLOUN9Lxt3En2VyqEX" alt=""><figcaption></figcaption></figure>

#### How LTV Works:

* If an asset has an LTV of 75%, you can borrow up to 75% of your collateral's value
* Example: With $10,000 worth of ETH as collateral at 75% LTV:
  * Maximum borrowing capacity = $10,000 × 75% = $7,500
* Different assets have different LTV ratios based on their volatility and risk profile
* Stablecoins typically have higher LTVs than volatile assets

#### Formula

$$
LTV = (Borrowed Amount / Collateral Value) × 100%
$$

## Utilization Rate

Measures how much available capital in a lending pool is currently being borrowed.

<figure><img src="/files/xcDp28BmLBqulyDo6vuo" alt=""><figcaption></figcaption></figure>

$$
Utilization Rate = (Total Borrowed / Total Available) × 100%'
$$

### Impact on Protocol:

* Influences interest rates dynamically
* Higher utilization → Higher interest rates
* Optimal utilization target: 80%

{% hint style="info" %}
The interest rate model adjusts to maintain balanced utilization
{% endhint %}

### Interest Rate Correlation:

* Low utilization (<80%): Gradual APY increase
* High utilization (>80%): Steep APY increase to encourage repayments
* Maximum utilization (>95%): Emergency APY levels

## **Health Factor**

The health factor indicates the liquidation risk. A health factor above 1 means you are not at immediate liquidation risk. If the health factor falls below 1, the loan is undercollateralized and may be liquidated. You can check your loan's health factor under your ZeroLend 'Dashboard.'

<figure><img src="/files/bwmQ4cfCeTaGV1BADh9Q" alt=""><figcaption></figcaption></figure>

#### Formula:

$$
Health Factor = (Collateral Value × Liquidation Threshold) / Total Borrowed Value
$$

### Health Factor Interpretation:

* Health Factor > 1: Position is safe
* Health Factor = 1: Position at liquidation point
* Health Factor < 1: Position can be liquidated

#### Example Health Factor Calculation:

```
Scenario:
- Collateral: $10,000 ETH
- Liquidation Threshold: 82%
- Borrowed: $7,000 USDC

Health Factor = ($10,000 × 82%) / $7,000 = 1.17
```

***

## Liquidation Threshold

The Liquidation Threshold is the percentage at which your position becomes eligible for liquidation. It's always higher than the LTV to provide a safety buffer.

<figure><img src="/files/N46z0aNOX3uCo2P4bV0H" alt=""><figcaption></figcaption></figure>

#### **Key Points:**

Represents the maximum ratio of the borrowed amount to collateral before liquidationCreates a safety margin between maximum borrowing capacity and liquidation point&#x20;

* Example: If ETH has:
  * LTV: 75%
  * Liquidation Threshold: 82% This creates a 7% buffer zone between maximum borrowing and liquidation

#### **Safety Buffer Calculation:**

```
Safety Buffer = Liquidation Threshold - LTV
```

#### Important Aspects:

* Typically ranges from 5% to 15% depending on asset risk
* Applied to the portion of the position being liquidated
* Covers protocol risks and incentivizes liquidators

#### Example:

* Borrowed Amount: $1,000
* Liquidation Penalty: 10%
* During liquidation, the borrower loses:

```
Additional Cost = $1,000 × 10% = $100
Total Liquidation Cost = $1,000 + $100 = $1,100
```

***

## **Liquidation Penalty**

A fee charged during liquidation events, added to the amount that needs to be repaid.

![](https://docs.zerolend.xyz/~gitbook/image?url=https%3A%2F%2F2402583484-files.gitbook.io%2F%7E%2Ffiles%2Fv0%2Fb%2Fgitbook-x-prod.appspot.com%2Fo%2Fspaces%252Fi9DDwWcSwiiTEJZZlm8R%252Fuploads%252FnIJd7CyzRyhDmdh0FSaS%252Fimage.png%3Falt%3Dmedia%26token%3D474313bb-2486-47fb-a07c-33159dc0a1c1\&width=768\&dpr=4\&quality=100\&sign=268f5fe4\&sv=1)

### **Important Aspects:**

* Typically ranges from 5% to 15% depending on asset risk
* Applied to the portion of the position being liquidated
* Covers protocol risks and incentivizes liquidators

**Example:**

* Borrowed Amount: $1,000
* Liquidation Penalty: 10% During liquidation, the borrower loses:

```
Additional Cost = $1,000 × 10% = $100 Total Liquidation Cost = $1,000 + $100 = $1,100
```

## Liquidation Process

<figure><img src="/files/yero8zTAsrZd2sHlSMYS" alt=""><figcaption></figcaption></figure>

### How Liquidation Works

1. The position becomes eligible for liquidation when Health Factor < 1
2. Liquidators can repay part or all of the borrowed amount
3. Liquidators receive collateral at a discount (Liquidation Penalty)
4. Original borrower loses collateral equal to:

```
Lost Collateral = (Repaid Amount × (1 + Liquidation Penalty)) / Collateral Price
```

***

## Risk Management Guidelines

### Maintaining a Safe Position

1. **Monitor Health Factor:**
   * Recommended: Keep Health Factor > 1.5
   * Critical Zone: Health Factor < 1.2
   * Danger Zone: Health Factor < 1.1
2. **Risk Mitigation Strategies:**
   * Maintain lower LTV than the maximum allowed
   * Diversify collateral types
   * Set up Health Factor alerts
   * Keep additional collateral ready
3. **Actions to Improve Health Factor:**
   * Repay part of the borrowed amount
   * Add more collateral
   * Swap to more stable collateral assets

## Avoiding Liquidation

1. **Proactive Monitoring:**
   * Regular Health Factor checks
   * Price movement alerts
   * Market volatility awareness
2. **Safety Buffers:**
   * Maintain Health Factor > 1.5
   * Keep emergency funds available
   * Use stablecoins for lower volatility
3. **Emergency Actions:**
   * Flash loan options for quick repayment
   * Collateral swaps to stable assets
   * Partial position closure


# zLP Token Distribution


# Assets Listings

## Asset Listing Criteria

In a lending platform like ZeroLend, deposited collateral can be considered assets, as one can sell it to recover the loan amount. On the other hand, borrowed amounts are liabilities, as it is an obligation to repay the lender. Asset and liability tokens often differ, with borrowed tokens typically in stablecoins and collateral tokens being volatile.&#x20;

Conducting a thorough analysis before listing a token on ZeroLend is important to reduce market risks.&#x20;

ZeroLend considers a comprehensive set of criteria to evaluate the suitability of adding an asset to the lending pool, like:

* Evaluating the liquidity of the asset to ensure sufficient market depth.
* Conducting a thorough security audit to identify potential risks associated with the token's smart contract.
* Determining the appropriate collateralization ratio for the token to balance risk and ensure the safety of the lending pool.
* Supporting assets with the best risk profiles as collateral.
* Assets with oracles that can be easily manipulated are listed as single-borrow assets.
* Examining the level of community support and engagement for the token.
* New, volatile assets with lower liquidity are considered for listing in [Isolation mode](/features/capital-efficiency/isolation-mode) to enable supplying/borrowing for such assets.&#x20;

## Asset Types and Roles

### Collateral Assets

#### Assets deposited as loan security:

* Generally more volatile (e.g., ETH, BTC)
* Must have reliable price feeds
* Requires sufficient market liquidity

## Borrowable Assets

#### Assets available for borrowing:

* Typically stablecoins and major cryptocurrencies
* Must have deep liquidity
* Requires stable price discovery

***

## Key Evaluation Criteria

#### 1. Market Liquidity

* Minimum daily trading volume requirements
* Multiple active trading pairs
* Adequate market depth
* Consistent trading activity

#### 2. Security

* Smart contract audit reports
* Production history
* Security incident record
* Open-source verification

#### 3. Risk Parameters

* Loan-to-Value (LTV) ratio
* Liquidation threshold
* Liquidation penalty
* Market size caps

#### 4. Oracle Infrastructure

* Multiple independent price feeds
* Update frequency
* Manipulation resistance
* Backup price sources

#### 5. Community Metrics

* Active user base
* Developer activity
* Team transparency
* Token distribution

***

## Listing Categories

#### Standard Listing

* Full functionality enabled
* Multiple collateral pairs
* Standard risk parameters

#### Isolation Mode

For newer or volatile assets:

* Limited borrowing pairs
* Restricted collateral usage
* Enhanced monitoring

#### Single-Borrow Assets

For oracle-sensitive assets:

* One borrowable asset at a time
* Stricter liquidation parameters
* Enhanced security measures

## Risk Mitigation

* Regular parameter reviews
* Market cap limits
* Borrowing caps
* Emergency suspension procedures

## Governance

* Community proposal review
* Technical assessment
* Risk evaluation
* Implementation timeline

Assets must meet these criteria to ensure protocol safety and user protection. Parameters are regularly reviewed and adjusted based on market conditions.

{% hint style="info" %}
Want us to list your favorite assets? Share your suggestions on ZeroLend’s [Discord](https://discord.gg/zerolend) server.&#x20;
{% endhint %}


# Supported Assets

<figure><img src="/files/Ebdf8l7gjsXgHAYoglvl" alt=""><figcaption></figcaption></figure>

### Blue Chips

* Assets with a market capitalization exceeding $100 million and a liquidity of at least $100 million are included in this category.&#x20;
* Examples:  $ETH, $WBTC, etc.&#x20;

### Stablecoins

* The stablecoins category includes crypto tokens backed by the value of US dollars in a 1:1 ratio.&#x20;
* Examples: $USDT, $USDC, $DAI, etc.&#x20;

### Yield Bearing

* These assets contribute to yield-bearing strategies, enhancing the earning potential within the ZeroLend ecosystem.&#x20;
* Examples: $ezETH, $rsETH, $weETH, $pufETH, etc.&#x20;

### High Risk

* This category encompasses assets that do not fit into the Blue Chips criteria. High-risk assets offer an opportunity for diversification but come with increased risk.&#x20;
* Examples: $GRAI, $MUTE, etc.&#x20;


# Roadmap

## Milestone 0: Pre-mine of ZERO

This is the first phase of our roadmap, which is used to bootstrap liquidity for the protocol.

## Milestone 1: Launch of veTokenomics

Once the ZERO token is live and trading, we introduce veTokenomics and decentralize the incentive mechanics for it across various chains.

This is inline with our philosophy of minimal governance and decentralizing the token use case at scale.

## Milestone 2: Introduction of isolated immutable markets

To scale the protocol across multiple markets, the team intends to introduce isolated immutable markets. Isolated immutable markets work similarly to Morpho blue and have the benefit of not impacting the lending pools when operating at scale.

## Milestone 3: Work on vaults and curate with risk managers

Once our isolated markets are live, we introduce vaults. This allows users to access more yield and strategies through simple one-click vaults. Vaults can further be curated with risk managers so that risk parameters can continuously be updated individually.

One could imagine sub-DAOs in the future that actively manage risk and create their own managed vaults.

## Milestone 4: Work on scaling markets across any EVM chain and scale listings of any assets

In this phase, we will provide guidelines and open up the markets to allow users to rapidly scale up markets on ZeroLend.

Using a whitelisted factory contract, anyone can create a deployment on any chain or have any asset listed on the UI.

## Milestone 1-4: Work on UI redesign

Once the protocol is live, we look to rebuild the UI to better facilitate all the unique aspects of ZeroLend that make it different from other lending protocols.

This includes integrating points directly within the UI, allowing multiple chains to be properly integrated, etc.

The development of the UI happens simultaneously with the rest of the milestones

## Final Milestone: Open-source everything

At the final stage, we aim to open source every aspect of the protocol and leave it completely decentralized. Our decentralization roadmap further details this.

## Timeline

While the team is actively growing and working on delivering the various roadmaps, timelines cannot be promised.


# LRT Lending Market

Liquid Restaking Tokens (LRTs) are tokenized derivatives representing staked assets. LRTs enable you to unlock the liquidity of your staked asset while also earning staking rewards.&#x20;

When you stake $ETH to validate transactions on Ethereum and secure the network, your deposited $ETH is locked for a certain period. LRTs help you tokenize the staked $ETH into a derivative asset. The derivative token can be freely used across supported DeFi applications.

Here’s how LRTs work behind the scenes: &#x20;

1. Users deposit and stake their assets (e.g., ETH) with a liquid staking protocol.
2. The protocol issues LRT tokens (e.g., $ezETH) in a 1:1 ratio, representing the staked $ETH.
3. Users can trade, lend, or use these LRT tokens across their preferred DeFi applications while earning staking rewards.

In addition to staking rewards, users earn points from the respective liquid staking protocol and the partner protocols (if any).&#x20;

For example, if you restake $ETH on Renzo Protocol, you get $ezETH and EigenLayer points.&#x20;

### Benefits

* Earn staking rewards while using LRTs as collateral
* Earn additional points from liquid staking protocols
* Access liquidity without unstaking
* Dedicated LRT markets with boosted rewards

### ETH LRTs on ZeroLend  <a href="#lrtsonzerolend" id="lrtsonzerolend"></a>

ZeroLend features a dedicated ETH LRTs Market to help users leverage the emerging LRT trend and earn boosted rewards.

Here’s a list of ETH LRT assets listed on ZeroLend:&#x20;

| LRT Project | Native LRT Asset | Supported ZeroLend Market |
| ----------- | ---------------- | ------------------------- |
| Ethereum    | $ETH             | Ethereum                  |
| USD Coin    | $USDC            | Ethereum                  |
| Renzo       | $ezETH, $pzETH   | Ethereum, Linea, Blast    |
| Ether.fi    | $weETH           | Ethereum                  |
| Kelp DAO    | $rsETH           | Ethereum                  |
| Puffer      | $pufETH          | Ethereum                  |

***

## BTC LRTs on ZeroLend

ZeroLend supports Bitcoin Liquidity Representation Tokens (BTC LRTs) on mainnet, enabling Bitcoin holders to access DeFi opportunities without forfeiting staking or locking benefits associated with their BTC holdings.

### 1. Overview

BTC LRTs (e.g., cbBTC, eBTC, LBTC, MBTC, SolvBTC, WBTC) are tokens representing staked or wrapped BTC. These tokens accrue BTC-based rewards or yield while allowing users to participate in DeFi markets on ZeroLend.

### 2. Obtaining BTC LRT Tokens

1. **Select a BTC LRT**: Choose from supported tokens such as cbBTC, eBTC, LBTC, MBTC, SolvBTC, or WBTC.
2. **Acquire Tokens**: Obtain the chosen BTC LRT from the protocol or exchange where it is issued.

### 3. Accessing the BTC LRT Market

1. **Navigate to ZeroLend**: Go to the ZeroLend platform.
2. **Open the Bitcoin LRT Market**: Select the “Bitcoin LRTs Market” tab to view available BTC LRT assets.
3. **Review Market Data**: Each BTC LRT listing displays supply APY, borrow APY, total supplied, total borrowed, and other relevant statistics.

### 4. Supplying and Borrowing BTC LRTs

#### 4.1 Supplying BTC LRTs

1. **Select Token**: Choose the BTC LRT you currently hold (e.g., cbBTC, eBTC).
2. **Supply Tokens**: Click “Details” (or its equivalent) to supply your BTC LRT tokens.
3. **Earn APY**: Begin earning the displayed supply APY.

#### 4.2 Borrowing BTC LRTs

1. **Collateralize**: Ensure you have sufficient collateral on ZeroLend.
2. **Select Borrow Amount**: Choose a BTC LRT to borrow (e.g., cbBTC).
3. **Confirm Borrow**: This may facilitate strategies such as shorting an asset or deploying borrowed tokens elsewhere.

### 5. Leverage and Advanced Strategies

1. **the Pendle PT Tokens**: Check the compatibility of your BTC LRT with Pendle PT for additional yield strategies.
2. **Leveraging Solutions**: Explore tools like Contango for potential leverage (up to 10x), potentially increasing both BTC rewards and $ZERO token yields.

### 6. Ongoing Management

1. **Monitor APYs**: Track changes in supply APY and borrow APY; they fluctuate based on supply and demand.
2. **Manage Collateral**: If borrowing, monitor your health factor or loan-to-value ratio to avoid liquidation.
3. **Stay Informed**: Look out for new BTC LRT listings and updated rewards or APYs (e.g., “eBTC PT 27MAR25”).

### 7. Redeeming or Unwinding Positions

1. **Withdraw Supplied Tokens**: Withdraw your BTC LRT from ZeroLend when you are ready.
2. **Repay Borrowed Amount**: Repay any borrowed BTC LRTs to close your debt position.
3. **Redeem Native BTC**: Return your BTC LRT tokens to the issuing protocol to reclaim your original BTC plus any staking rewards accrued.

{% hint style="info" %}
Read our [Passive Strategies guide](/tutorials/yield-strategies/passive-lrt-strategies) on LRTs to learn more.&#x20;
{% endhint %}


# RWA Lending

RWA platforms allow users to represent real-world assets, such as stocks, government bonds, real estate, and commodities, as crypto tokens and trade them on the blockchain. $USDT and $USDC can be considered RWAs, representing the tokenized and on-chain versions of US dollars.

According to the Boston Consulting Group, the RWA market will grow from $1.5 trillion in 2024 to $16 trillion by 2030.

<figure><img src="/files/ebvCb5Ke509Ah1VlHIyw" alt=""><figcaption></figcaption></figure>

## RWA Lending on ZeroLend&#x20;

To help users leverage the growing RWA narrative, ZeroLend currently offers RWA stablecoins lending/borrowing. Learn more:

{% content-ref url="/pages/RrWR7RTocCH46uEsj3x9" %}
[RWA Stablecoin Market](/features/rwa-lending/rwa-stablecoin-market)
{% endcontent-ref %}

### Market Potential

* RWA market is projected to grow from $1.5T (2024) to $16T (2030)
* Solves DeFi over-collateralization challenges
* Enables tokenization of traditional assets (real estate, bonds, stocks)
* Provides accessible financing options for businesses and institutions

<figure><img src="/files/uNhxlkeSkK4ClnOUDbwf" alt=""><figcaption></figcaption></figure>

#### RWA lending has three major advantages:

* **Growth catalyst for developing countries:** RWA-based loans are crucial in empowering businesses in developing economies like Kenya, Nigeria, and Uganda to underscore the potential for financial inclusion.&#x20;
* **On-chain process and better repayment terms:** RWA lending also eliminates the bureaucratic processes of traditional banks, offering the company a favorable repayment schedule.&#x20;
* **Less collateral required for loans:** In RWA lending, you can offer collateral that may be objectively valued at less than the borrowed amount. For example, a company seeking a $7 million loan might lack sufficient collateral for such a sizable loan. Through RWA lending, they can secure the necessary funds with collateral valued at $4 million.&#x20;

## How is RWA solving the over-collateralization problem in DeFi?  &#x20;

DeFi lending heavily relies on over-collateralization. Borrowers must provide more crypto collateral than the loan's value. Overcollaterization limits mass adoption, as individuals or entities seeking loans might not have significant crypto reserves to provide collateral. <br>

RWA lending solves this challenge. Borrowers seeking loans might not have massive crypto reserves. For example, an institution seeking a $1 million loan might not have over $1 million in crypto reserves. However, they might provide other assets, such as real estate, bonds, or gold, as collateral to secure the loan. RWA lending helps such borrowers tokenize their assets and secure loans.&#x20;

Now that the concept and potential of real-world assets (RWAs) are established, it is useful to examine how ZeroLend implements these assets through its RWA Stablecoins Market.

This market enables users to lend and borrow stablecoins backed by various real-world reserves, offering a more diversified collateral and lending environment within the ZeroLend ecosystem.

{% content-ref url="/pages/RrWR7RTocCH46uEsj3x9" %}
[RWA Stablecoin Market](/features/rwa-lending/rwa-stablecoin-market)
{% endcontent-ref %}


# RWA Stablecoin Market

The **RWA Stablecoin Market** on ZeroLend allows users to lend and borrow **real-world-asset (RWA) backed** stablecoins. These stablecoins are typically pegged to fiat currencies (e.g., USD) and backed by tokenized collateral—such as government bonds, cash equivalents, or other traditional financial instruments—held in reserve.

#### Key Characteristics

* **High Loan-to-Value (LTV) Ratios**: RWA stablecoins often allow higher LTV ratios because they are backed by tangible assets.
* **Competitive Yield Opportunities**: Users supplying RWA stablecoins can receive APYs based on market demand, as well as any partner rewards or incentives.
* **Reduced Volatility**: Because they are pegged to real-world reserves, most RWA stablecoins are designed to maintain price stability (e.g., 1:1 to USD).

***

### Supported Assets

Below is an illustrative list of **RWA stablecoins** in the market. Actual availability may vary over time:

<table><thead><tr><th>Asset Name</th><th>Symbol</th><th data-hidden>Typical Backing</th></tr></thead><tbody><tr><td><strong>USD Coin</strong></td><td>USDC</td><td>USD Reserves</td></tr><tr><td><strong>Tether</strong></td><td>USDT</td><td>Cash, Cash Equivalents</td></tr><tr><td><strong>ether.fi USD</strong></td><td>eUSD</td><td>ETH Staking + RWA Reserves</td></tr><tr><td><strong>Staked USDe</strong></td><td>USDe</td><td>Treasury + DeFi Strategies</td></tr><tr><td><strong>Usual USD</strong></td><td>USUD</td><td>USD Reserves</td></tr><tr><td><strong>USDO Liquid Bond</strong></td><td>USDO++</td><td>US Treasuries</td></tr><tr><td><strong>USDS Stablecoin</strong></td><td>USDS</td><td>Fiat Reserves</td></tr><tr><td><strong>ZAI Stablecoin</strong></td><td>ZAI</td><td>Various RWAs</td></tr><tr><td><strong>YieldFi Stable Token</strong></td><td>yUSD</td><td>USD Treasuries + Yield Instruments</td></tr><tr><td><strong>Syrup USDC</strong></td><td>Syrup USDC</td><td>USDC + Additional Yield</td></tr><tr><td><strong>PT Ethena sUSDe 27MAR2025</strong></td><td>PT-sUSDe</td><td>Fixed-term RWA instrument</td></tr></tbody></table>

{% hint style="info" %}
The above list is static and needs manual updating. Always check our [RWA Stablecoin Markets](https://app.zerolend.xyz/?marketName=proto_mainnet_rwa_v3) to confirm which stablecoins are currently supported.
{% endhint %}

***

### Lending (Supplying) RWA Stablecoins

1. **Navigate to the RWA Stablecoin Market**
   * Go to <https://app.zerolend.xyz> and select **“RWA Stablecoins Market”** in the market dropdown.
2. **Choose a Stablecoin**
   * Review the available RWA stablecoins to see their supply APY and any additional reward icons (e.g., partner tokens, Zero Gravity Points).
3. **Supply Your Tokens**
   * Click **“Details”** to open the asset-specific page.
   * Enter the amount of the chosen stablecoin you want to supply.
   * Confirm the transaction via your connected wallet.
4. **View Earned Rewards**
   * Once supplied, track your APY in real-time within the ZeroLend interface.
   * Some assets may have extra incentives or rewards (e.g., from Merkle, Pendle PT, or $ZERO boosts).

#### Redeeming Your Supplied Tokens

* At any time, you can withdraw supplied stablecoins by selecting **“Withdraw”** on the asset’s page.
* Ensure any outstanding debts or other constraints (like lockup periods on partner tokens) have been addressed.

***

### Borrowing RWA Stablecoins

1. **Collateral Setup**
   * Before borrowing, deposit a supported collateral asset (which can be a crypto token or another RWA stablecoin) into ZeroLend.
   * Review the **health factor** or **collateral ratio** associated with each asset.
2. **Select an RWA Stablecoin to Borrow**
   * In the **RWA Stablecoins Market**, click **“Details”** next to the stablecoin you wish to borrow.
   * The Borrow APY, maximum borrow limit, and any additional terms will be displayed.
3. **Execute Borrow Transaction**
   * Enter the desired borrow amount (up to your limit).
   * Confirm the transaction via your connected wallet.
4. **Manage Your Position**
   * Monitor the health factor to avoid liquidation if your collateral value fluctuates.

#### Repaying Borrowed Amount

* Go to the same stablecoin’s **“Details”** page to repay the borrowed amount.
* After repayment, your collateral is unlocked (assuming no other outstanding debts).

***

### RWA Stablecoin Market Benefits

1. **Stable Value**
   * RWA stablecoins are designed to maintain value relative to real-world assets (often $1), helping to reduce volatility.
2. **Diverse Backing**
   * Assets may be backed by Treasuries, fiat, or a combination of yield-generating strategies, providing a variety of risk profiles.
3. **Potential for Higher Yields**
   * Certain RWA stablecoins integrate with yield protocols or partner reward systems, offering more competitive returns than standard stablecoins.
4. **Flexible Borrowing Options**
   * Higher LTV ratios may be possible if the stablecoin’s backing is considered lower risk, giving borrowers more flexibility than in crypto-only markets.

***

### Risk Considerations

* **Collateral Liquidation**: If the value of your collateral drops or if borrow APYs become unfavorable, a liquidation event may occur.
* **Backing Transparency**: RWA stablecoins rely on verifiable real-world reserves. It is recommended to review the documentation of each stablecoin issuer to understand audits, reserve holdings, or redemption processes.
* **Smart Contract Vulnerabilities**: All lending interactions involve smart contracts. While ZeroLend employs security audits, no system is entirely risk-free.

***

### Getting Started

1. **Connect Your Wallet**
   * Use any supported wallet (e.g., MetaMask) at <https://app.zerolend.xyz>.
2. **Review Market Details**
   * Check the RWA Stablecoins Market for APYs, borrowing rates, and any active incentive programs.
3. **Approve & Execute Transactions**
   * When supplying or borrowing, grant approval for the stablecoin in your wallet, then finalize the transaction.
4. **Manage Ongoing Positions**
   * Periodically review your supply/borrow positions. Adjust based on updated APYs, collateral ratios, or market conditions.


# Account Abstraction (AA)

This page will discuss Account Abstraction and how it is integrated into the ZeroLend protocol to enhance user experience.

The DeFi ecosystem can be complex for beginners because it involves storing seed phrases, bridging crypto to different chains, paying gas fees in native tokens, etc. Therefore, enhancing the user experience of DeFi applications and making them as intuitive as TradFi applications is crucial to increasing user adoption.

There are two types of accounts in Ethereum:

1. Smart contract accounts where developers store their code (smart contracts).
2. Externally owned accounts (EOAs) where users store their tokens (wallets like Metamask).

Users interact with DApps using EOA wallets, the only way to start a transaction or execute a smart contract code. However, using this approach has many downsides:&#x20;

* The wallets are tightly coupled with a single key.
* Wallets are hard to secure as private keys might get compromised.
* Wallet keys cannot be recovered if lost. &#x20;
* Wallets don't support multi-sig.
* Users cannot use social logins.&#x20;
* Users must pay gas fees.&#x20;
* Users must have $ETH or other native chain tokens to pay gas fees.&#x20;

Account Abstraction (AA) is a concept that hides such complexities. In DeFi, account abstraction removes all these complexities by storing assets in smart contracts rather than externally owned accounts (EOAs). Thus, it helps developers create ‘programmable wallets.’

Technically, account abstraction enables developers to create account-abstracted wallets or smart accounts that can initiate and execute transactions on behalf of the user. For example, with smart accounts, dApps can pay gas fees on behalf of the user, saving users from the hassle of acquiring native tokens to pay gas fees.&#x20;

Unlike EOAs, which send regular transactions, smart accounts use objects called UserOperations that include metadata to describe the operation to be executed on behalf of the user. Some examples of this metadata include type of transaction, gas price, transaction signature, etc.&#x20;

Account Abstraction unlocks several use cases to improve user experience. With AA, dApps can pay gas fees on users’ behalf, users can pay gas fees in any ERC-20 token, and users can log in using social media accounts.&#x20;

## How Does ZeroLend Implement AA?

ZeroLend integrates several zkSync-native AA features in the following ways:

**Paymasters (Live on zkSync)**: Allows the protocol to subsidize or allow users to pay for transaction fees with ERC20 tokens rather than $ETH.&#x20;

**Social Logins & other authentication options** (Not Live): Allows users to have a wallet that controls their secure enclave device (Face ID, Fingerprint scanners, etc..)&#x20;

**Delegated transaction** (Not Live): Allows users to authorize ZeroLend to execute limited actions on their behalf without losing custody of their funds.

***

## Paymasters (Live)

### **What are Paymasters?**

Paymaster is a smart contract that facilitates and controls gas fee payments for transactions on behalf of wallet owners/users. With Paymasters, developers can grant users the ability to transact at zero gas fees or to use the application's native ERC-20 token for payment.

Read the [zkSync documentation](https://era.zksync.io/docs/api/python/paymaster-utils.html) for a comprehensive understanding of Paymasters and how they work.&#x20;

<figure><img src="/files/T38qemcTHjG9jqL6OiLX" alt=""><figcaption></figcaption></figure>

### How Does ZeroLend Use Paymasters?

ZeroLend harnesses the power of zkSync Paymasters in two key ways:

1. #### **Sponsoring Gas Fees:**&#x20;

ZeroLend utilizes th&#x65;**`validatePaymasterOp(UserOperation op)`**&#x6D;ethod of the zkSync Paymaster contract to examine a user's operation. It helps us determine whether the user's transaction is valid so we can cover the associated gas fees.

{% hint style="info" %}
&#x20;ZeroLend sponsors the gas fees for users with transactions above $5000.
{% endhint %}

2. **Pay gas fees using ERC-20 tokens:**&#x20;

ZeroLend enables users to pay gas fees in $ETH and other supported tokens by integrating[ Zyfi's paymaster API](https://zyfi.org/). After the user signs the transaction and selects an ERC-20 token to pay the gas fee, ZeroLend communicates with Zyfi's Paymaster API and executes transactions, covering $ETH gas fees while utilizing ERC-20 tokens for the associated fees.&#x20;

For example, if a user wants to lend $DAI but does not have $ETH for gas fees, they use $DAI to pay gas fees on ZeroLend.&#x20;

Currently, we support the following ERC-20 tokens that can be used as gas tokens:

* $HOLD (Holdstation)
* $GRAI (Gravita)
* $USDC

Secure-enclave and social logins

<figure><img src="/files/gEt0H8iXqBvysThNwQwj" alt=""><figcaption></figcaption></figure>

## Social Logins (Not Live)

Social logins provide a user-friendly and self-custodial authentication mechanism on ZeroLend. By enabling users to link their Web2 identity with their on-chain account, we aim to lower the entry barriers for beginners. This process eliminates the need for users to interact directly with private keys, offering a seamless onboarding experience.

With social logins, end-users can effortlessly authenticate through their preferred accounts, such as email, phone number, or social media accounts. Users can easily create a smart contract wallet on ZeroLend. You no longer need to download specific wallet applications or manage seed phrases with smart contract wallets.

> We are working with Particle Network to integrate the Social Login feature into our protocol. You can read more about Authentication Infra in the [Particle Network docs](https://docs.particle.network/developers/auth-service).

## Biometrics (Not Live)

ZeroLend will support biometric authentication by incorporating fingerprint recognition and other authentication methods. Biometric authentication provides a secure and user-friendly means of verifying users' identities compared to traditional passwords and private keys. Users can easily authenticate transactions within the ZeroLend ecosystem using their biometric data.

> Anytime you need to sign a transaction, you’ll just have to enter your biometrics to complete the transaction.

{% hint style="info" %}
ZeroLend will implement a secure enclave and social logins in 2025.
{% endhint %}

***

## Delegated transaction

<figure><img src="/files/wd4pnx4d8hOIpC90Bpgq" alt=""><figcaption></figcaption></figure>

### Collateral Management via Delegated Transactions

ZeroLend provides automated collateral management, eliminating the need for users to monitor their collateral constantly. Using account abstraction and delegated transactions, ZeroLend prevents liquidation risks without user intervention.

### **How Delegated Transactions Work?**

1. Users delegate specific loan and collateral management tasks to ZeroLend via their smart contract wallet.
2. If collateral value nears a user-defined threshold, ZeroLend executes predefined actions, like closing a loan, to prevent liquidation.
3. User custody remains intact; ZeroLend only executes delegated actions, ensuring asset security.

> Delegated transactions are secured by smart contract wallets. ZeroLend’s permissions are strictly limited to user-designated actions, safeguarding user assets.

{% hint style="info" %}
Expected rollout of this feature in 2025
{% endhint %}


# Capital Efficiency

This page outlines the different features of ZeroLend w\.r.t. Capital Efficiency.

{% content-ref url="/pages/tOBY4RHUpoac0YcWR8Zg" %}
[High Efficiency Mode (E-Mode)](/features/capital-efficiency/high-efficiency-mode-e-mode)
{% endcontent-ref %}

{% content-ref url="/pages/2UbwpNmbP1eXxTmzXDtU" %}
[Isolation Mode](/features/capital-efficiency/isolation-mode)
{% endcontent-ref %}

{% content-ref url="/pages/30l6Vuo86iYXux80Rndq" %}
[Supply/Borrow Caps](/features/capital-efficiency/supply-borrow-caps)
{% endcontent-ref %}


# High Efficiency Mode (E-Mode)

This page discusses how to increase your capital efficiency on ZeroLend with E-Mode.

E-Mode, or High-Efficiency Mode, empowers borrowers to maximize their borrowing capacity by using correlated assets within the same category, such as stablecoins, as collateral. For instance, supplying $USDC in eMode allows for enhanced collateralization power when borrowing $ONEZ.

<figure><img src="/files/rc8kyAk8P52brESNm20q" alt=""><figcaption></figcaption></figure>

In E-Mode, ZeroLend classifies assets based on:

1. **Loan-to-Value (LTV):** Higher LTV enables borrowers to access more funds relative to collateral value within the same category. E-mode allows for LTV ratios of up to 97%.&#x20;
2. **Liquidation Threshold:** This is the minimum collateral amount needed to avoid liquidation, offering borrowers greater control over risk exposure.
3. **Liquidation Bonus:** Borrowers receive rewards for early loan repayment in eMode, encouraging responsible borrowing behavior.

{% hint style="info" %}
E-Mode doesn't restrict the use of other assets as collateral; assets outside the eMode category can still be supplied with normal LTV and liquidation parameters.
{% endhint %}

## How do I activate E-Mode?

1. Select "Dashboard" from the top navigation panel.&#x20;
2. Locate the E-Mode "Disabled ⚙️" button beside "Your Borrows" and click on it.

<figure><img src="/files/7xS61sWLIN4hpn5uHhvy" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/TNDD1UeUvY7rh8DZNpSW" alt=""><figcaption></figcaption></figure>

3. Click 'Enable E-Mode.'

<figure><img src="/files/iy24Ln90MLALgKtILrPq" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/2k0HFFqjJrU0puKrp36x" alt=""><figcaption></figcaption></figure>

Under Transaction Overview,' you will see all the assets you can borrow. Example: "All Assets → USDC, USDT," which suggests that you can borrow stablecoins like USDC and USDT when E-Mode is enabled.&#x20;

<figure><img src="/files/NM4NZ0Zo0mUDX2GarClW" alt=""><figcaption></figcaption></figure>

### How Do I Disable E-mode?

1. Click on the 'E-Mode' category you have enabled.&#x20;

<figure><img src="/files/BzWIYe8w5WjfEkaoJqdl" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/8ETXuyTZ9aCzNeMaBrbE" alt=""><figcaption></figcaption></figure>

2. Click on 'Disable E-Mode.'

<figure><img src="/files/rC4cZzYCZPeAIIH6SERA" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/Xls56hrhdBkDj4kYK9RF" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/j6nFWek5OM48wEUYHG2Q" alt=""><figcaption></figcaption></figure>


# Isolation Mode

This page discusses Isolation mode, ZeroLend’s risk management feature.

Isolation Mode limits risk when volatile assets are used as collateral on ZeroLend. Assets identified as high risk enter Isolation Mode upon listing, restricting borrowing to specific stablecoins and enforcing a debt ceiling—the maximum USD amount that can be borrowed against the asset, precise to two decimal places.

### **Supplying in Isolation Mode**

Users can supply isolated assets for yield, but these assets cannot serve as collateral if other collateral-enabled assets are in the account.

### **Borrowing in Isolation Mode**

If an isolated asset is used as collateral, no additional assets can be enabled as collateral until isolation is removed, ensuring borrowing limits are maintained within the protocol's risk parameters.

## **How Can I Enter Isolation Mode?**&#x20;

To access isolation mode, follow these steps:

1. From your ZeroLend dashboard, select an isolated asset that you want to supply.
2. You'll receive a notification explaining that you are entering Isolation Mode.
3. You can deposit the isolated asset once you've successfully entered isolation mode. For a detailed walkthrough, read our step-by-step guide on [how to supply crypto assets on ZeroLend](https://docs.zerolend.xyz/tutorials/how-to-supply-on-zerolend).&#x20;
4. As discussed, you can borrow crypto assets in isolation mode. However, you can only borrow stablecoins, and the predefined debt ceiling will determine the loan amount. Read our [guide](https://docs.zerolend.xyz/tutorials/how-to-borrow-on-zerolend) on borrowing for detailed steps on how to borrow crypto on ZeroLend.&#x20;

## **How Can I Exit Isolation Mode?**&#x20;

To exit isolation mode, you must disable collateralization for the isolated asset you supplied.&#x20;

Follow these steps:

1. Click the slider button from the "Your Supplies" section to disable the isolated asset.
2. Confirm the disabled isolation mode setting.
3. You've successfully exited Isolation Mode.&#x20;


# Credit Delegation

This page discusses ZeroLend’s credit delegation feature.

Credit Delegation is a feature that allows a depositor to deposit funds into ZeroLend to earn interest while delegating borrowing power (credit) to other users. The loan terms are agreed upon between the depositor and borrowers on-chain via smart contracts. This feature facilitates extra yield for the depositor and provides uncollateralized loan access for borrowers.

## Key points to remember while using credit delegation on ZeroLend&#x20;

* Depositors (delegators) earn additional yield on top of the protocol's standard yield.
* Borrowers (delegatees) gain access to uncollateralized loans.
* The borrower must align with the depositor's eMode category.&#x20;

Example: If a depositor's eMode category is STABLECOINS, then the delegatee can only borrow assets in that category. Borrowing outside this category, like $wETH, would result in a failed transaction.&#x20;

* Delegatees cannot exploit credit approval to liquidate the delegator.
* The loan will not be processed if a borrow puts the delegator's position below the liquidation threshold.&#x20;

<figure><img src="/files/GHKWwvR66iLN4qfw3hz9" alt=""><figcaption></figcaption></figure>

Example: Suppose Alice deposits stablecoins into the protocol, delegates borrowing power to Bob, and agrees that Bob can borrow up to 100 stablecoins. Alice approved this credit. Later, Bob accessed Alice's available credit. If Bob tries to borrow in a non-stablecoin category, the transaction fails.<br>


# Supply/Borrow Caps

This page explains how supply and borrow caps help you manage risks while lending/borrowing on Zerolend.

<figure><img src="/files/5qsjjDqkltBMd2XflAcs" alt=""><figcaption></figcaption></figure>

In an event where one of the underlying collateral collapses faster than the risk team can possibly delist or stop the borrowing of that asset, borrow/supply caps start to play a role in limiting the possible bad debt that could occur from within collateral collapse.

Borrow/supply caps are vital for minimizing bad debt when collateral value drops faster than risk management actions. For example, if you supply collateral A and its value decreases, your collateral might be liquidated. To avoid insolvency in such cases, we add borrow caps.&#x20;

## Borrow Caps

Borrow caps limit the maximum amount of each asset that can be borrowed, protecting against over-leverage during market volatility. For instance, if a cap is 500 units and 450 are borrowed, new borrowing is halted at 500 units.

## Supply Caps

Supply caps limit the maximum deposit for each asset, reducing exposure to riskier assets. For example, with a 1,000-unit cap, users can’t deposit beyond this threshold.

> Default caps are 0, indicating no restrictions, and are adjusted based on liquidity and total asset volume within the protocol.

## Setting Caps

The default cap for supply and borrow is set at 0, indicating no supply or borrow limit. Caps can be adjusted based on on-chain liquidity and the total volume of assets in the protocol.


# Liquidations

This page explains liquidations, its pros, cons, and how liquidations are executed on ZeroLend.

ZeroLend has a liquidation mechanism to mitigate the risk of default and protect lenders’ capital.

Liquidation is the process of selling borrowers’ deposited collateral to repay the debt if the health factor of their acquired loan goes below 1. As one of the major risks in DeFi lending, borrowers must constantly monitor their loans and adjust the collateral or repay the loan based on the health factor to avoid liquidation.

The amount of collateral to be sold is determined by several factors, including the liquidation threshold, liquidation penalty, the current value of the collateral, and the debt amount.&#x20;

## Monitoring Loan Health

ZeroLend tracks loan health using two pivotal metrics: the Loan-to-Value (LTV) ratio and the liquidation threshold.&#x20;

The LTV ratio defines the maximum borrowing capacity against specific collateral. The liquidation threshold marks the point at which a loan is considered under-collateralized and at risk of liquidation.

## How does liquidation work on ZeroLend?

<figure><img src="/files/aUgv0GQ7eRdOJgdJHHEh" alt=""><figcaption></figcaption></figure>

On ZeroLend, loan stability and solvency are continuously monitored through a metric called the ‘Health Factor.’&#x20;

The health factor compares a user's collateral against their borrowed amount. Maintaining a Health Factor above 1 is essential for the loan's safety. ZeroLend sells enough collateral to bring the health factor back to permitted levels if it falls below this threshold.&#x20;

The ZeroLend protocol defines two thresholds for liquidation:

1. 50% liquidation occurs when the health factor dips below 1.&#x20;
2. 100% liquidation occurs if the health factor falls below a dynamically determined lower threshold.

For example, you borrowed $10,000 worth of stablecoins against $18,000 worth of $ETH as collateral. Assume the liquidation threshold of your loan is 0.8. If your loan's health factor hits this threshold, ZeroLend’s smart contract automatically sells enough collateral to cover the debt, often including a liquidation penalty.

**Without considering a liquidation penalty:** If we assume that exactly enough collateral is sold to bring your health factor back to 1, liquidators would need to cover a debt of $10,000. Since the health factor is 0.8, your $18,000 collateral is now only worth $12,500.&#x20;

**Considering a liquidation penalty (e.g., 5%):** ZeroLend would sell more than the $10,000 debt due to the liquidation penalty. For example, if the penalty is 5% of the amount to be liquidated, we would sell $10,000 + 5% of $10,000 ($500), i.e., $10,500 worth of your collateral.

## When will your collateral be liquidated on ZeroLend?&#x20;

To avoid liquidation, it is important to understand how your loan's health factor can drop below 1. Here are a few instances that might lead to liquidation:

1. If you borrow funds against volatile assets, the price of those assets might fluctuate exponentially, leading to liquidation. However, ZeroLend helps you mitigate this risk to some extent by listing volatile assets under [Isolation Mode](/features/capital-efficiency/isolation-mode).
2. Your deposited collateral asset decreases in value.
3. The borrowed debt increases in value against the deposited collateral.&#x20;
4. The user fails to meet their interest payments.

## Liquidators

Liquidators are advanced DeFi users with automated systems (i.e., bots) to monitor collateralized positions and seek out loans that are eligible for liquidation. These bots then interact with ZeroLend's L2Pool contract and initiate a `liquidationCall().`&#x20;

This enables Liquidators to pay back part of the debt owed and receive discounted collateral in return (also known as the liquidation bonus). Suppose the total liquidation penalty is 5%. Half of the penalty (2.5%) is allocated as a bonus to liquidators.

Such a liquidation mechanism incentivizes third parties to participate in the health of the overall protocol by acting in their own interest (to receive the discounted collateral). Liquidators ensure borrows are sufficiently collateralized across the protocol.

## Liquidation Bonuses and Risks

The incentive for executing a liquidation, known as the liquidation bonus, varies with the collateral's risk profile.&#x20;

Higher-risk collateral results in more significant bonuses for the liquidator, encouraging proactive identification and resolution of risky loans. ZeroLend closely monitors market trends to offer competitive liquidation bonuses to strengthen the protocol's risk management framework.

## Liquidation Mechanics

To initiate a liquidation on ZeroLend, the following inputs are required:

* User's Wallet Address: Must have a Health Factor below 1.
* Debt Coverage Amount: The amount of debt the liquidator intends to cover.
* Debt Asset: Must have a sufficient quantity of the asset, with flash loans playing a crucial role.
* Collateral Asset: Initially provided by the user.
* Profit Asset: Chosen by the liquidator, either in Zerolend's native tokens or the underlying asset.

## Executing a Liquidation

Liquidation is a multistep process that can be automated using bots.&#x20;

It involves:&#x20;

* Verifying the user's low health factor.
* Assessing the profitability of the liquidation, considering transaction fees and bonuses.
* Utilizing flash loans if needed.
* Executing necessary collateral swaps.
* Completing the liquidation process.

## How do I avoid liquidation?

To avoid liquidation, you should improve the health factor of your borrowed loan by repaying it or depositing more assets. Out of these two available options, repaying the loan would improve your health significantly.


# Liquidation Guide for Developers

This guide discusses how developers can participate in the liquidation process on ZeroLend.

Developers and traders can participate in liquidations through:

1. **Direct Calls:** Execute the `liquidationCall()` directly on the Pool or L2Pool contracts.&#x20;
2. **Automation:** Use or develop automated systems or bots to identify and execute profitable liquidation opportunities.

## **Profitability Considerations**

While finding profitable liquidation actions, consider the gas costs to calculate the economic feasibility accurately. The liquidation may not be economically feasible if the gas price is too high.

#### **Liquidation Details in Zerolend v3**

ZeroLend allows for up to 100% of the debt to be liquidated in a single `liquidationCall()` if the HF is below a certain threshold (CLOSE\_FACTOR\_HF\_THRESHOLD).

## **Prerequisites for Liquidation**

Before making a `liquidationCall()`, ensure you:

* Identify the user account with an HF below 1.
* Know the valid debt amount and the asset to cover (debtToCover & debtAsset).
* Understand the applicable liquidation close factor based on the HF.

## **Obtaining Liquidation Targets**

User accounts in ZeroLend are individual addresses that have interacted with the protocol. These can be either externally owned accounts or contracts. Accounts eligible for liquidation have an HF < 1.&#x20;

You can identify these accounts:

* **On-Chain:** Monitor protocol events and maintain an up-to-date index of user data. Use `getUserAccountData()` to check an account's current HF.
* **GraphQL:** Utilize GraphQL to gather user account data and compute health factors using Zerolend utilities or SDKs, as real-time data like HF may not be directly available.

## **Executing a Liquidation Call**

To liquidate an account, calculate the collateral that can be liquidated:

1. Retrieve user reserve data using `getUserReserveData()`.
2. Determine the maximum debt clearance allowed by the liquidation close factor.
3. Optionally, set `debtToCover` to uint(-1) to liquidate the maximum amount permitted.
4. Calculate the maximum collateral that can be liquidated based on the liquidation bonus and current asset prices.

## **Calculating Profitability vs. Gas Cost**

To assess the profitability of a liquidation, consider:

1. Collateral details (address, decimals, liquidation bonus).
2. User's collateral balance.
3. Asset prices from ZeroLend's oracle using `getAssetPrice()`.
4. Maximum collateral bonus and the cost of your transaction, including gas prices and usage.
5. Your potential profit is calculated as the value of the collateral bonus minus the transaction cost.

By closely following these steps and calculations, developers can effectively contribute to the protocol's health while potentially securing a profit through successful liquidations.


# Credit Card

This page consists all the information about our Credit Card

The ZeroLend Credit Card allows users to spend their crypto assets in everyday transactions without selling them. Instead of converting holdings into fiat, users can deposit their crypto as collateral on ZeroLend, take out a loan in USDC, and use that USDC to make payments with the card. This provides a seamless way to access liquidity while retaining ownership of crypto assets.

Unlike traditional crypto debit cards that require users to pre-load funds by selling their tokens, the ZeroLend Credit Card functions as a credit line against crypto collateral. It automatically borrows USDC when needed and settles transactions in real time. Whether you are a long-term investor or a meme coin holder, this card makes it possible to use crypto for daily purchases without exiting your positions.

## How the ZeroLend Credit Card Works

The ZeroLend Credit Card operates through a simple and automated process:

**1. Depositing Collateral:** Users deposit their crypto assets (such as FOXY, ETH, or any supported token) into ZeroLend’s platform. These assets remain in their control but are used as collateral to back a borrowing position.

**2. Borrowing USDC:** Once collateral is deposited, the platform automatically issues a loan in USDC. The loan amount is determined based on the collateral’s value and the system’s loan-to-value (LTV) ratio.

**3. Spending USDC via the Card:** The borrowed USDC is immediately available on the ZeroLend Credit Card, which can be used at any merchant that accepts Visa or Mastercard. This means users can pay for groceries, coffee, online purchases, and more using their crypto-backed credit.

**4. Repaying the Loan:** Users can repay the borrowed USDC at any time. If they choose not to, their collateral remains staked, and depending on the asset, it may generate yield that can help offset interest or loan repayments. If the value of the collateral increases, borrowing power grows, giving users access to more liquidity without additional deposits.&#x20;

## Key Benefits of the ZeroLend Credit Card

The ZeroLend Credit Card provides a way to access spending power without selling crypto holdings. Users benefit from the flexibility of spending their assets without worrying about market timing or capital gains taxes that might apply when selling crypto for fiat.

One of the primary advantages of this system is that it works globally. Since the card is backed by major payment networks like Visa or Mastercard, it is accepted almost anywhere that traditional credit and debit cards are used. There is no need for merchants to support crypto payments directly—ZeroLend handles the conversion behind the scenes.

Another advantage is flexible repayment. Unlike a traditional credit card with fixed due dates and interest charges, the ZeroLend Credit Card allows users to repay on their own schedule. Borrowed USDC can be repaid anytime, and there are no penalties for early repayment. As long as sufficient collateral remains in the system, users can continue spending without worrying about immediate repayment obligations.

## Who Can Benefit from the ZeroLend Credit Card?

This card is designed for a wide range of crypto users. Long-term investors who want to preserve their holdings while gaining access to liquidity will find it useful for covering daily expenses. Memecoin holders who experience price volatility can leverage their holdings for real-world spending without cashing out during market dips. DeFi users who frequently borrow and lend assets will appreciate the added convenience of a credit line directly linked to their holdings.

By offering an alternative to selling, the ZeroLend Credit Card provides an efficient way to maintain exposure to crypto assets while gaining practical spending power. It integrates the best of decentralized finance with real-world usability, making it a valuable tool for those who believe in the long-term potential of their crypto investments.&#x20;

{% hint style="success" %}
The ZeroLend Credit Card is launching soon. Sign up for early access and be among the first to start spending your crypto without selling it. Join the waitlist: ***{{link}}***
{% endhint %}


# Zero Gravity

This page contains a Zero Gravity drop structure and information on how to maximize your drop.

[Zero Gravity](https://airdrop.zerolend.xyz/) is our native airdrop points system where users can claim $ZERO airdrop by collecting Zero Gravity points.&#x20;

To incentivize users who supply and borrow on ZeroLend, we introduced native points allocation on Zero Gravity. We [launched](https://twitter.com/zerolendxyz/status/1748367922475745556) Zero Gravity Beta on January 19, 2024, and the full release opened to the public on April 10, 2024. <br>

## Structuring the Zero Gravity Drop <a href="#heading-structuring-the-zero-gravity-drop" id="heading-structuring-the-zero-gravity-drop"></a>

Zero Gravity will be phased out in Voyages and Chapters. Each Voyage will have 3 Chapters.

Here’s a basic structure:

* Voyage 1
  * Chapter 1
  * Chapter 2
  * Chapter 3
* Voyage 2
* Voyage 3

**With each passing Voyage and Chapter, the supply % decreases to reward the early adopters of the protocol.**


# Voyage 1: Zero to Zillion

Voyage 1 of the Zero Gravity program, titled "**Zero to Zillion,**" is designed to bootstrap ZeroLend's total value locked (TVL). This ambitious first Voyage is segmented into three distinct chapters: Ignition, LiftOff, and Boost, each with designated token distributions to incentivize participant engagement and liquidity provisioning.

### **Token Distribution Overview for Voyage 1: Zero to Zillion**

A total of 10% of $ZERO's token supply, equivalent to 10 billion tokens, has been allocated for this Voyage. The distribution timeline and percentage for each chapter are as follows:

* **Chapter 1: Ignition**
  * **Supply Allocation:** 5% of the total token supply
  * **Status:** Was active until 6th May
* **Chapter 2: LiftOff**
  * **Supply Allocation:** 2% of the total token supply
  * **Dates:** Is now live
* **Chapter 3: Boost**
  * **Supply Allocation:** 0.5% of the total token supple
  * **Dates:** To be announced (TBA)

{% hint style="info" %}
Read more about Voyage 1: Zero To Zillion [here](https://mirror.xyz/0xb32591b2D8b8129702A4214CE344D2F87A9250F2/vpp5LlkSw4_nnQZrRTkVsb3bLk4V3wD3hbYhdykx5bc).&#x20;
{% endhint %}

{% content-ref url="/pages/YP97oYp61ANT5WhbziA7" %}
[Chapter 1: Ignition 🔥](/airdrop-incentives/zero-gravity/voyage-1-zero-to-zillion/chapter-1-ignition)
{% endcontent-ref %}


# Chapter 1: Ignition 🔥

This page consists overview of Chapter 1: Ignition

#### **Duration:** Ended on 6th May, 2024

#### **Objective:** The primary goal for this chapter is to bootstrap ZeroLend's TVL, establishing a strong liquidity foundation for ZeroLend.

### **Token Distribution**

* **Airdrop Allocation:** 5% of the total $ZERO supply, equivalent to 5 billion tokens, is earmarked for distribution during this chapter.
* **Distribution Platform:** Participants can access and engage with the platform - [airdrop.zerolend.xyz](http://airdrop.zerolend.xyz/).

**Strategic Importance of Ignition:** Ignition is designed to "fuel" the growth trajectory of ZeroLend. This initial phase of the voyage has the highest reward pool, specifically targeting early adopters. The aim is to incentivize these participants to contribute significantly to bootstrapping the protocol’s liquidity, vital for its scalability and success.


# Chapter 2: LiftOff 🚀

This page consists overview of Chapter 2

### **Token Distribution**

* **Airdrop Allocation:** 2% of the total $ZERO supply, totaling 2 billion tokens, is set aside for this chapter.
* **Participant Eligibility:** All users who engage with ZeroLend during the LiftOff chapter are eligible to receive $ZERO tokens from the designated pool. All users who engaged with ZeroLend during the Ignition chapter will receive a boost in their points.&#x20;

### **Strategic Importance of LiftOff**

The LiftOff chapter is aptly named to signify the progression of ZeroLend’s journey post-Token Generation Event (TGE), aiming to escalate its market position and operational influence. This phase is crucial as it symbolizes the transition from the foundational establishment to aggressive market penetration and growth.

{% hint style="success" %}
*Chapter 2: LiftOff is now live at* [*https://app.zerolend.xyz/gravity*](https://app.zerolend.xyz/gravity/)
{% endhint %}


# Chapter 3: Boost ⚡

This page consists overview of Chapter 3

#### **Duration:** The specific dates for the Boost chapter are yet to be announced.

## **Token Distribution**

* **Airdrop Allocation:** 500 million ZERO tokens (0.5% of the total token supply)
* **Participant Eligibility:** All users who engage with ZeroLend during the Boost chapter will be eligible to receive tokens from this pool. All users who engaged with ZeroLend during previous chapters will receive a boost in their points.&#x20;

## **Strategic Importance of Boost**

The Boost chapter represents the final phase in the "Zero to Zillion" voyage, tasked with the critical role of propelling ZeroLend to the forefront of the lending space. This chapter is essential as it aims to maximize the protocol’s visibility and dominance within the decentralized finance sector.

{% hint style="info" %}
*More details about how chapter 3 will launch will be revealed soon.*
{% endhint %}


# Protocol Eligible Incentives

This section explains how users can actively interact with ZeroLend ecosystem for potential incentives.

Protocol Incentives are airdrops provided by other protocols to encourage engagement and growth within their ecosystems. ZeroLend, operational across Ethereum, Linea, Blast, zkSync, Manta, and X Layer, benefits from these incentives.&#x20;

Engagement with ZeroLend and its integrated protocols enhances users' likelihood of receiving various incentives.&#x20;

As active participants in this thriving DeFi ecosystem, we are eligible for various airdrops and incentives from the protocols and networks we integrate.&#x20;

ZeroLend is committed to distributing **80%** of all airdrops directly to our stakers and liquidity providers, reinforcing our appreciation for their trust and investment in the platform. The other **20%** goes back into the development fund.&#x20;

## LRT Partners

Liquid Restaking Tokens (LRTs) allow users to unlock liquidity from their staked assets while still earning staking rewards.

ZeroLend provides dedicated markets for LRTs like Renzo. Users can supply their assets and earn rewards such as native supply yields, $earlyZERO tokens, LRT points, and Zero Gravity Points.

| LRT Partners   | Token | Integration Status |
| -------------- | ----- | ------------------ |
| Kelp DAO       | ✔     | Done               |
| Renzo          | ✔     | Done               |
| ether.fi       | ✔     | Done               |
| Puffer Finance | ✔     | Done               |
| Swell          | ✔     | TBA                |
| Bedrock        | ✔     | TBA                |

{% hint style="info" %}
Read further about different yield strategies with LRTs [here](broken://pages/C8ptiHMAY2Cj5cAtJ08A).&#x20;
{% endhint %}

## Data Feed Partners

Our lending and borrowing markets rely on high-fidelity price data from premium oracle networks like Pyth and Redstone. As a leading data customer driving significant value to their networks, Zerolend could qualify for such incentive programs as they roll out staking programs.

| Oracle Partners | Integration Status | Token |
| --------------- | ------------------ | ----- |
| Pyth            | Done               | ✔     |
| Redstone        | Done               | TBA   |

## Layer 2s&#x20;

As a lending market, we scale by deploying our money markets on other chains. ZeroLend is currently the leading lending market on a number of L2s.&#x20;

| Chain         | Deployment | Token |
| ------------- | ---------- | ----- |
| Linea         | Done       | TBA   |
| zkSync        | Done       | ✔     |
| Blast Network | Done       | ✔     |
| Manta Network | Done       | ✔     |


# Zeronomics

This page discusses the overview and utility of ZeroLend’s native token - $ZERO.

{% hint style="info" %}
$ZERO was launched on May 06th, 2024.
{% endhint %}

$ZERO is a Linea ERC-20 token, serving as a utility and governance token within the ZeroLend ecosystem and bridgable to all chains using LayerZero.

Ticker: ZERO

Maximum Supply: 100,000,000,000 (100 billion)

Initial circulating supply: 25,000,000,000 (25 billion) or 25%&#x20;

Token Format: Linea ERC20 bridged through LayerZero

Contract Address: <https://lineascan.build/address/0x78354f8dccb269a615a7e0a24f9b0718fdc3c7a7>


# Token Utility

The ZeroLend ecosystem is designed to create value for token holders and stakers. Here are some of the utilities of the ZERO token. <br>

1. **Staking:** Ve-tokenomics is a pivotal component of ZeroLend's economic structure. Staking $ZERO tokens for a predetermined duration and receiving vote-escrowed (ve) tokens. Zerolend introduces a unique ve-model that incorporates both single token staking and dLP staking.&#x20;
2. **Protocol Fees:** $ZERO tokens can be used to pay fees on ZeroLend.
3. **Incentives:** Users who add liquidity on ZeroLend, refer users to ZeroLend, or complete other tasks to grow the protocol will be rewarded using $ZERO tokens. All future potential airdrops the protocol receives will also be distributed back amongst token stakers.&#x20;
4. **Integration with DeFi Ecosystem:** $ZERO will be integrated with other DeFi platforms. This cross-platform integration enables users to use $ZERO as collateral for DeFi loans, yield farming, or leverage its utility across other DeFi use cases.


# Token Distribution

This page talks about the $ZERO tokenomics.

Here’s a detailed breakdown of $ZERO token distribution:&#x20;

## Token Allocation

<figure><img src="/files/tcq5PX2M1AYMrhtfPKny" alt=""><figcaption><p>The tokenomics is egineered to make sure the highest allocation is for the community: 53%. </p></figcaption></figure>

<table data-full-width="true"><thead><tr><th width="266">Category</th><th>Description</th></tr></thead><tbody><tr><td>Private Sale</td><td>Early funding stage to kickstart the project. Crucial for development and initial partnerships.</td></tr><tr><td>Airdrop</td><td>Promotional tokens to drive adoption and reward the early supporters of ZeroLend. </td></tr><tr><td>Liquidity</td><td>Tokens added into a DEX liquidity on launch.</td></tr><tr><td>Emissions</td><td>A significant portion to incentivize ongoing platform activity and user participation.</td></tr><tr><td>Treasury</td><td>Treasury saved up by the protocol / DAO. </td></tr><tr><td>Advisors</td><td>Allocation for the experts who guide the protocol's development and governance</td></tr><tr><td>Team</td><td>Tokens held by the team.</td></tr></tbody></table>

## &#x20;Token Distribution&#x20;

<figure><img src="/files/XuzUedryN3KaehWcBsz7" alt=""><figcaption></figcaption></figure>

To ensure that $ZERO tokenomics is sustainable long-term, most of the $ZERO token inflation (from liquidity, treasury, private sale, etc.) will end within 1 year from the token launch.&#x20;

The $ZERO emissions will be reduced by half every 12 months post 1 year of launch.&#x20;

After 12 months from TGE, roughly 78% of the token supply will be in circulation. The remaining 22% will be released using exponential decay.&#x20;

## Detailed month-by-month distribution

For those who would like to examine precise numbers on how much ZERO will be added to circulation month by month, an Excel sheet (linked [here](https://docs.google.com/spreadsheets/d/1M-f0nKKN1_BwnSpnFm9FJ4XnscF9t968q8qwoRTUT6E/edit#gid=736372284)) has been created, which digs deeper into the number of new tokens added.


# Staking

Ve-tokenomics is a pivotal component of ZeroLend's economic structure. It is designed to reward long-term investment and active participation in governance. \
\
At its core, it involves participants staking $ZERO tokens for a predetermined duration and receiving vote-escrowed (ve) tokens in return. These ve-tokens not only signify the user's stake but also escalate their benefits proportionally to the lock period.&#x20;

{% hint style="info" %}
The longer participants commit their tokens, the higher their rewards and influence in governance decisions.
{% endhint %}

### Why Ve-Tokenomics?

* Ve-tokenomics aligns user incentives with ZeroLend's long-term goals.&#x20;
* By locking $ZERO tokens, the effective circulating supply decreases, which can potentially enhance the token's value over time.
* Committed users receive a stronger voice in platform governance.

{% hint style="success" %}
With this model, we aim to foster a community of engaged stakeholders, contributing to the stability and growth of ZeroLend.
{% endhint %}

### Ve-Tokenomics Model

Zerolend introduces a unique ve-model that incorporates both:&#x20;

1. Single Stake $ZERO
2. zLP $ZERO

This dual approach enables users to engage with the platform through direct token staking or by participating in dynamic liquidity provision.


# Single Token Staking

**Single stake** $ZERO works similarly to the traditional principles of ve-token models. Participants stake $ZERO tokens to acquire $veZERO, with the amount received directly correlating to the duration of the tokens locked.

### **Locking Rates and Calculation Method**

| Time Lock | L\_ZERO - Value |
| --------- | --------------- |
| 1-Months  | 0.0208          |
| 3-Months  | 0.0625          |
| 6-Months  | 0.125           |
| 12-Months | 0.25            |
| 24-months | 0.5             |
| 48-months | 1.0             |

#### Equation for $veZERO Allocation:&#x20;

$$
$\textrm{veZERO} = $\textrm{ZERO}*1 \times L*{ZERO}
$$

**Practical Example:**

* **Scenario**: A user decides to stake 10,000 $ZERO tokens for a period of 6 months.
* **Outcome**: Based on the locking rates, this action results in the user receiving 1,250 $veZERO.


# zLP Staking

The Liquidity Provision model for $ZERO is specifically designed for users who contribute to liquidity pools. When users stake zLP tokens, their $ZERO portion is effectively doubled in value for staking purposes.

### **Enhanced Weighting for $ZERO**

A distinctive feature of the zLP ve-staking model is the enhanced weighting given to $ZERO tokens at the time of staking. When calculating the value of a user's contribution to the liquidity pool, the $ZERO component is effectively considered to double its presence in the pool.&#x20;

**Example:** If a user's liquidity pool token consists of 50% $ZERO and 50% $ETH, the weighting mechanism acknowledges the $ZERO component as if it were 100% of the contribution.&#x20;

{% hint style="info" %}
When staking is locked, the zLP weighting for $ZERO is counted as double its amount in the liquidity pool token.
{% endhint %}

### **Calculation Method**

$veZERO earned is the product of the quantity of zLP tokens staked and a locking factor $$L\_{zLP}$$. As mentioned already, $ZERO tokens in the zLP stake are given double weight. Hence, $$(2 \times $\textrm{ZERO})$$.&#x20;

$$
$\textrm{veZERO} =  zLP \times L\_{zLP}
$$

$$
$\textrm{veZERO} = (2 \times $\textrm{ZERO}*2) \times L*{zLP}
$$

### Time-Locking Coefficients

Another distinctive feature of the zLP ve-staking model is time-locking coefficients. ZeroLend modifies the time-locking coefficients for zLP stakes to suit the unique risk profile of liquidity pool tokens. The following is the time scale for zLP:

| Time Lock | L\_dLP - Value |
| --------- | -------------- |
| 1-Months  | 0.0625         |
| 3-Months  | 0.25           |
| 6-Months  | 0.5            |
| 12-Months | 1.0            |

This adjusted time scale reflects the nuanced differences in risk profile compared to staking single assets.

#### Practical Example

A user staking 10,000 zLP tokens, split into 5,000 $ZERO and an equal value of $ETH for a 6-month period, will be allocated 5,000 $veZERO.&#x20;

**The formula for $veZERO Allocation:**

The total $veZERO a user receives is determined by:

$$
$\textrm{veZERO} = $\textrm{ZERO} \times L\_{ZERO} + zLP \times L\_{zLP}
$$

In this equation:

* $$L\_{ZERO}$$ and $$L\_{zLP}$$ represent the time-locking coefficients for single-asset $ZERO and zLP stakes, respectively.
* $$zLP$$ is valued as twice the amount of $ZERO present at the time of staking.

To clarify, the formula accounts for the different quantities of $ZERO in single and dLP stakes:

$$
$\textrm{veZERO} = $\textrm{ZERO}*1 \times L*{ZERO} + (2 \times $\textrm{ZERO}*2) \times L*{zLP}
$$

Here, $$$\textrm{ZERO}\_1$$ and $$$\textrm{ZERO}\_2$$ denote the respective amounts of $ZERO in single staking and within the zLP.


# Stake on StakeDAO (sdZERO)

StakeDAO integrated the ZERO token to launch a Liquid Locker for the $ZERO token on Linea.&#x20;

This is an important step forward in how users interact with veZERO, which is that staking no longer has to mean sacrificing liquidity.

The Liquid Locker allows users to mint sdZERO, a liquid wrapper around veZERO that keeps all the essential benefits: governance rights, protocol rewards, and fee sharing. But unlike veZERO, sdZERO can be moved and traded.&#x20;

This is a significant unlock whether you’re a long-term staker, or a veZERO holder.&#x20;

## How it works

To get started, head to [StakeDAO’s ZERO Locker](https://www.stakedao.org/lockers/zero). You’ll be able to mint sdZERO by either ZERO tokens or veZERO NFTs.

You'll have to approve and mint to get sdZERO.&#x20;

Once minted, sdZERO can be staked again in the gauge to unlock more benefits exclusively available only to sdZERO stakers (this part is optional)

<figure><img src="/files/cayuUsVG5hycvcRKb8Qz" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}

#### Current staking APR can be seen here: [app.zerolend.xyz/stake](https://app.zerolend.xyz/stake/?marketName=proto_linea_v3)

{% endhint %}

Liquidity for sdZERO will be enabled via secondary markets on Nile ***`(Link here once live)`***

If you’re already holding veZERO (through vesting), you’re not excluded. You can migrate your veNFT into StakeDAO’s locker and mint sdZERO directly—no need to wait for your lock to expire.

This integration brings the utility of liquid lockers to ZeroLend while placing ZERO in front of a new and active audience of governance-aligned users across the StakeDAO and Linea ecosystems.


# Emissions

<figure><img src="/files/xPDMcpITWXHXM9vj6NwW" alt=""><figcaption></figcaption></figure>

The supply of $ZERO tokens set out for emissions is kept at 20 billion tokens (20% of the supply)

The first six months of $ZERO emissions are inflationary. After six months of TGE, the emissions have become deflationary.


# Emission Strategy

This page documents how the ZERO emissions will be distributed over time

## About Emissions

The supply of $ZERO tokens set out for emissions is kept at 20 billion tokens (20% of the supply)

The first six months of $ZERO emissions are inflationary. After six months of TGE, the emissions have become deflationary.

**ZeroLend plans implement a hardcoded 4:1 emissions ratio for borrowing and lending, respectively.** This incentive structure is predicated on the principle that borrowing necessitates collateralized lending; thus, by encouraging borrowing, the platform inherently promotes more lending.&#x20;

This strategy is expected to elevate APYs in borrowing and lending pools, augmenting revenue for the company and potentially leading to increased buybacks and emissions.

## Types of Emissions

ZeroLend features two types of emissions as part of its incentive structure:

1. **Primary Emissions**: Rewards specific to assets.
2. **Secondary Emissions**: Rewards distributed in $ZERO tokens.

Our focus here is on **Secondary Emissions** as they are the only emissions affected by $veZERO.&#x20;

## Example of Secondary Emissions Distribution

Let's assume ZeroLend plans to distribute 1 million $ZERO tokens as ecosystem incentives. The allocation of these tokens is determined by the $veZERO delegated to each asset. Here's a simplified breakdown:

| Asset  | $veZERO Delegated | Percentage of Total $veZERO | $ZERO Rewards |
| ------ | ----------------- | --------------------------- | ------------- |
| $USDC  | 30M               | 30%                         | 300K          |
| $ETH   | 20M               | 20%                         | 200K          |
| $MANTA | 50M               | 50%                         | 500K          |

In this scenario:

* **$USDC** receives 300,000 $ZERO, as it holds 30% of the total $veZERO delegated.
* **$ETH** is allocated 200,000 $ZERO, corresponding to its 20% share.
* **$MANTA** gets 500,000 $ZERO, being the largest beneficiary with 50% of $veZERO delegation.

This allocation demonstrates how the delegation of $veZERO directly impacts the distribution of secondary emissions, encouraging stakeholders to strategically delegate their tokens to enhance specific assets within the ZeroLend ecosystem


# Protocol Power/Weight

In this portion of the document, we will define the calculation for protocol weight with respect to emissions.

Protocol Power specifically refers to the influence users have over ZeroLend's governance and operational decisions. The calculation of total protocol power is as follows:

$$
\textrm{Protocol Power} = (\textrm{zLP Power} +$\textrm{ZERO Power}) \times f(T\_p)
$$

where,&#x20;

$$
f(T\_p) = f(4 \times zLP\_p+1\times Z\_p) = \begin{cases}
0 & \text{if } 0.00 \leq T\_p< 0.10 \ 0.5 & \text{if } 0.10 \leq T\_p <0.15\ 0.75 & \text{if } 0.15 \leq T\_p < 0.20 \ 1.0 & \text{if } 0.20 \leq T\_p <0.25\ 1.1 & \text{if } 0.25 \leq T\_p < 0.30 \ 1.25 & \text{if } 0.30 \leq T\_p <0.40\ 1.5 & \text{if } 0.40 \leq T\_p < 0.50 \ 2.0 & \text{if } 0.50 \leq T\_p \\

\end{cases}
$$

We prioritize liquidity provision by offering enhanced incentives for zLP locking over single asset staking. The formula assesses zLP and $ZERO percentages (zLP\_p and Z\_p) locked against the USD value of users' lending deposits, favoring zLP locking fourfold for two key reasons:

1. LP tokens contribute more significantly to ZeroLend's liquidity and overall ecosystem health.
2. LP tokens carry more risk due to impermanent loss

Traditionally, a maximum APR for zLP at 5% of deposited assets is now extendable up to 12.5%, with the option to boost this further by locking $ZERO tokens, whose USD value is considered four times for this purpose. This enhances rewards for users taking on the additional risk of LP staking.

{% hint style="warning" %}
This functionality is scheduled to go live shortly.&#x20;
{% endhint %}


# Deconstructing the Weighted Percentage (T\_p) Calculation

In ZeroLend's model, T\_p represents the Total or Weighted Percentage, crucial for determining rewards. This metric combines the proportions of dynamic Liquidity Provision (dLP\_p) and single-staked $ZERO (Z\_p) relative to the total USD value of a user's lending deposits. Here's a clearer breakdown:

### **Calculating zLP\_p and Z\_p**&#x20;

**zLP\_p Calculation**: Measures the USD value of zLP locked, factoring in the double valuation of $ZERO within LP tokens.

$$
zLP\_p = \frac{zLP}{Deposits}  = \frac{$\textrm{ZERO}\_2 \times 2}{Deposits}
$$

**Note:** $$$\textrm{ZERO}\_2$$ adjusts with LP token ratios, while $veZERO earnings depend solely on the $ZERO quantity at deposit time.

**Z\_p Calculation**: Relates to the USD value of $ZERO locked in single asset staking.&#x20;

$$
Z\_p = \frac{$\textrm{ZERO}\_1}{Deposits}
$$

Combining for Total Percentage (T\_p)

$$
T\_p = 4 \times zLP\_p+1\times Z\_p = 4 \times \frac{$\textrm{ZERO}\_2 \times 2}{Deposits} + 1 \times \frac{$\textrm{ZERO}\_1}{Deposits}
$$

and,&#x20;

$$
f(T\_p) = f(4 \times \frac{$\textrm{ZERO}\_2 \times 2}{Deposits} + 1 \times \frac{$\textrm{ZERO}\_1}{Deposits}) = \begin{cases}
0 & \text{if } 0.00 \leq T\_p< 0.10 \ 0.5 & \text{if } 0.10 \leq T\_p <0.15\ 0.75 & \text{if } 0.15 \leq T\_p < 0.20 \ 1.0 & \text{if } 0.20 \leq T\_p <0.25\ 1.1 & \text{if } 0.25 \leq T\_p < 0.30 \ 1.25 & \text{if } 0.30 \leq T\_p <0.40\ 1.5 & \text{if } 0.40 \leq T\_p < 0.50 \ 2.0 & \text{if } 0.50 \leq T\_p \\

\end{cases}
$$

This function assigns reward levels based on the calculated T\_p value, with different tiers from 0 to 2.0, enhancing rewards progressively as T\_p increases.

{% hint style="warning" %}
This functionality is scheduled to go live shortly.&#x20;
{% endhint %}


# Construction of zLP & $ZERO Power

ZeroLend's zLP power, closely mirroring Radiant Capital's model, is a pivotal metric in determining a user's influence within the protocol and their corresponding emissions rewards. Here's a streamlined explanation of how it works:

**zLP Power Calculation (P\_zLP)**

* **zLP Power (P\_zLP)**: This metric reflects a user's share of the total zLP pool, adjusted by a locking multiplier to reward longer commitments.

&#x20;$$P\_{zLP} = zLP\_{tp} \times L\_{zLP} = \frac{zLP}{\textrm{Total zLP}} \times L\_{zLP}$$

* $$P\_{zLP}$$ is the user's total percentage of zLP relative to the entire pool.
* $$L\_{zLP}$$ is the locking multiplier, enhancing power with longer lock periods.

{% hint style="info" %}
The longer the user locks zLP, the greater the power they have and, ultimately, the greater the emissions the user receives.
{% endhint %}

**Single-Staked $ZERO Power (P\_Z)**

* **$ZERO Power (P\_Z)**: Similar to zLP power, this calculates a user's stake in the total $ZERO pool, also influenced by the duration of the stake.&#x20;

$$
P\_{Z} = $\textrm{ZERO}*{tp} \times L*{Z} = \frac{$\textrm{ZERO}}{\textrm{Total ZERO}} \times L\_{Z}
$$

The following are the weighting coefficients:

| Time Lock | L\_d-Value | L\_z - Value |
| --------- | ---------- | ------------ |
| 1-Months  | 2          | 0.5          |
| 3-Months  | 6          | 1.5          |
| 6-Months  | 12         | 3            |
| 12-Months | 24         | 6            |
| 24-months | n/a        | 12           |
| 48-months | n/a        | 24           |

### **Combining Powers for Total Protocol Power**

By integrating both zLP and $ZERO powers, the total Protocol Power is derived, factoring in both contributions and their respective locking multipliers.

$$
P = P\_{zLP} + P\_{Z} = zLP\_{tp} \times L\_{zLP} + $\textrm{ZERO}*{tp} \times L*{Z} \  \hspace{2em}\\= \frac{zLP}{\textrm{Total zLP}} \times L\_{zLP} + \frac{$\textrm{ZERO}}{\textrm{Total ZERO}} \times L\_{Z}\hspace{0.8em}
$$

### Final Equation for Protocol Power

$$
\textrm{Protocol Power} = (P)  \times f(T\_p) \ = (\frac{zLP}{\textrm{Total zLP}} \times L\_{zLP} + \frac{$\textrm{ZERO}}{\textrm{Total ZERO}} \times L\_{Z}) \times f(4 \times \frac{$\textrm{ZERO}\_2 \times 2}{Deposits} + 1 \times \frac{$\textrm{ZERO}\_1}{Deposits})
$$

This formula underscores the significance of both liquidity provision and single asset staking in enhancing a user's impact on the protocol's governance and reward distribution, thereby incentivizing long-term participation and investment.

{% hint style="warning" %}
This functionality is scheduled to go live shortly.&#x20;
{% endhint %}


# Buybacks and Burn

The buyback and burn mechanism is a strategic monetary policy tool commonly used in tokenized ecosystems to reduce circulating supply, introduce deflationary pressure, and reinforce long-term token value.

By decreasing the number of tokens available in the market, it introduces scarcity, which can positively influence token and protocol value over time.<br>

This document outlines the rationale, mechanics, and long-term goals of ZeroLend’s buyback and burn approach, followed by a report on the first execution of this strategy.

## Objectives for ZeroLend DAO&#x20;

ZeroLend’s buyback and burn strategy is an initiative for sustainable and deflationary tokenomics. The long-term objective is to:

• Reinforce the token’s value proposition by reducing the total and circulating supply over time

• Drive protocol-level demand for the ZERO token as a utility and governance asset

• Maintain full transparency by documenting each buyback and burn event on-chain

## Initial Execution: First Buyback and Burn Event

As the first step in this strategy, ZeroLend executed its inaugural buyback and burn event, permanently removing 0.1% of the total ZERO supply from circulation.&#x20;

The transaction was carried out on Mar 07, 2025 and is publicly verifiable.

{% hint style="success" %}

#### Transaction Link: <https://lineascan.build/tx/0xa4be3daaf899871b458974bd30cd9e7061f697813f0a0e8b40567b55504c079e>

{% endhint %}

All future buybacks and burns will be documented on our Twitter account.&#x20;


# Audits

This section explains about the audits done for ZeroLend

ZeroLend is a dynamic lending protocol that closely resembles Aave V3. It was developed as a fork from the original Aave protocol. As a result, ZeroLend inherits the battle-tested and audited smart contract codebase from Aave V3.

Since ZeroLend doesn't introduce any changes or modifications to the existing code, it benefits from the extensive audits conducted on Aave V3. This strong foundation ensures the security and reliability of ZeroLend's protocol, providing users with a trusted and proven lending platform without the need for additional audits.

The ZeroLend team has further taken steps to secure the protocol by conducting external audits with reputed third-party auditors [Mundus.dev](https://mundus.dev/) and [Peckshield](https://peckshield.com/).&#x20;

## External Audit by Mundus. dev

Mundus conducted a comprehensive audit for ZeroLend, which included analyzing deployed smart contracts, Git repos, and contract storage.&#x20;

Here's a summary of findings in the Mundus audit:&#x20;

* There are no issues concerning the consistency among the codebase of verified contracts on ZeroLend.
* The forked repositories do not contain any changes to the Aave codebase that would compromise the protocol's security.
* The contents of the contracts in SoW, which are unverified by the zkSync Era explorer, have been identified and are safe to use.&#x20;
* All verified contracts have a consistent codebase.
* All verified contracts use consistent versions of respective dependencies.&#x20;
* The ZeroLend codebase contains no changes that undermine the security of logic provided by Aave.&#x20;

Visit our GitHub page to read the Mundus audit report in detail:&#x20;

{% embed url="<https://github.com/zerolend/audits/blob/main/mundus/zerolend_report_depcheck_final.pdf>" %}

Following the report, all ownership of the protocol has been moved into a [Timelock contract and Multisig wallet](/security/timelocked-multisig-admin).

## External Audit by Peckshield&#x20;

Peckshield conducted an in-depth audit for ZeroLend. It analyzed coding bugs, executed semantic checks, and performed advanced DeFi scrutiny (including Oracle security, business logic, and escrow).&#x20;

In our audit, Peckshield highlighted 8 medium—to low-severity issues: medium (2), Low (5), and Informational (1).&#x20;

Peckshield concluded that ZeroLend smart contracts are well-designed and engineered, though resolving the identified issues can improve their implementation.&#x20;

Please note that those identified issues are promptly confirmed and addressed.&#x20;

Read ZeroLend's Peckshield Audit report on our GitHub page:&#x20;

{% embed url="<https://github.com/zerolend/audits/tree/main/peckshield>" %}

## Existing Audits from Aave

By leveraging the well-established codebase of Aave V3, ZeroLend can focus on delivering a seamless and user-friendly experience while upholding the highest standards of safety in the DeFi space.

You can find a list of audits done over here:

| Auditor Report                                                                                                     | Audit Type          | Date                    |
| ------------------------------------------------------------------------------------------------------------------ | ------------------- | ----------------------- |
| [ABDK](https://github.com/aave/aave-v3-core/blob/master/audits/27-01-2022_ABDK_AaveV3.pdf)                         | Smart Contract      | 01-27-2022              |
| [SigmaPrime](https://github.com/aave/aave-v3-core/blob/master/audits/27-01-2022_SigmaPrime_AaveV3.pdf)             | Smart Contract      | 01-27-2022              |
| [Certora](https://github.com/aave/aave-v3-core/blob/master/certora/Aave_V3_Formal_Verification_Report_Jan2022.pdf) | Formal Verification | 11-12-2021 - 01-24-2022 |
| [Peckshield](https://github.com/aave/aave-v3-core/blob/master/audits/14-01-2022_PeckShield_AaveV3.pdf)             | Smart Contract      | 01-14-2022              |
| [Trail of Bits](https://github.com/aave/aave-v3-core/blob/master/audits/07-01-2022_TrailOfBits_AaveV3.pdf)         | Smart Contract      | 01-07-2022              |
| [OpenZeppelin](https://github.com/aave/aave-v3-core/blob/master/audits/01-11-2021_OpenZeppelin_AaveV3.pdf)         | Smart Contract      | 01-11-2021              |

## External Audits from Halborn Security

ZeroLend engaged [Halborn](https://halborn.com/)—a specialized blockchain security firm—to address two primary challenges: securing our smart contracts from potential vulnerabilities and managing the complexity of a multi-chain, Layer-2 environment.

**Scope & Methodology**

* **Comprehensive Code Review**: Halborn conducted a thorough audit of ZeroLend’s smart contracts, focusing on potential attack vectors and logic flaws.
* **Layer-2 & Multi-Chain Expertise**: The engagement included specialized consulting on multi-chain integrations and L2-specific security considerations.
* **Ongoing Support**: Halborn utilized a Security-as-a-Service (SAaaS) model, providing live assistance and detailed guidance throughout the process.

**Key Findings & Outcomes**

* **Logic Flaw Prevention**: A critical flaw in ZeroLend’s staking contract was identified and rectified before any exploitation could occur.
* **Enhanced Security Awareness**: Halborn provided comprehensive security training, boosting internal best practices and cultivating a security-first culture.
* **Future-Proofing**: Their proactive approach mitigated not only current vulnerabilities but also potential future threats as ZeroLend grows.

#### Read the Case Study

{% embed url="<https://www.halborn.com/case-studies/post/case-study-strengthening-zerolend-s-multi-chain-lending-platform-with-halborn>" %}

## External Audits from Zokyo

ZeroLend  partnered with [Zokyo Security](https://zokyo.io/) to perform an in-depth assessment of our smart contracts. This audit further validated the robustness of our code and identified areas to strengthen.

**Scope & Highlights**

* **Comprehensive Coverage**: Zokyo achieved **100% testable code coverage**, surpassing industry standards.
* **Zero Critical or High Vulnerabilities**: The audit found no issues classified as critical or high, underscoring the platform’s reliability.
* **Actionable Recommendations**: Zokyo provided a set of recommendations to enhance ZeroLend’s security posture, all of which are being implemented.

**Key Takeaways**

* **Reinforced Code Integrity**: Passing the Zokyo audit with zero critical findings confirms ZeroLend’s core functionality is secure.
* **Continuous Improvement**: Implementation of recommended improvements ensures that our protocol evolves alongside emerging threats.
* **Public Transparency**: A summary of the audit is available for community review, reflecting our commitment to openness.

#### Read the report:

{% embed url="<https://zokyo.io/reports/zerolend>" %}

## Bug Bounty Contests&#x20;

ZeroLend also organized bug bounty contests in collaboration with the leading bug bounty platforms. These contests invite white-hat security analysts to dive deep into our codebase to find vulnerabilities.&#x20;

We hosted bug bounty competitions on Cantina and Immunefi with a combined reward pool of nearly $300,000.

Cantina Bug Bounty: <https://twitter.com/cantinaxyz/status/1743332737074020704>

Immunefi Bug Bounty: <https://twitter.com/zerolendxyz/status/1761072126776488023><br>


# Oracles

This section explains how ZeroLend uses oracles to determine the price of various assets.

In decentralized lending protocols like ZeroLend, an oracle is essential for fetching accurate and reliable price data of digital assets and other financial instruments.&#x20;

By providing this external information to the blockchain, oracles enable smart contracts to make informed decisions based on real-time market conditions. Oracles help determine collateral values, interest rates, and liquidation events.&#x20;

ZeroLend uses four Oracle providers to determine price feeds for various assets on different chains:

* [Pyth Network](/security/oracles/pyth-oracles)
* [Redstone](/security/oracles/redstone)
* [Chainlink](/security/oracles/chainlink)
* [API3](/security/oracles/api3-oracles)
* [eOracle](/security/oracles/eoracle)


# PYTH Oracles

## Using PYTH Oracles

Pyth Network is a decentralized oracle solution built on the Solana blockchain that sources real-time price data from trusted institutional venues, guaranteeing high-quality market feeds.

By integrating Pyth Network into ZeroLend, the lending protocol gains access to up-to-date and reliable price information for accurate asset valuations, dynamic interest rate adjustments, and timely liquidations.&#x20;

This integration enhances the security and transparency of ZeroLend's lending operations. Integrating reliable and secure oracles like Pyth also instills confidence among users to lend/borrow on ZeroLend without worrying about asset price manipulation risks.&#x20;

### How does ZeroLend utilize Pyth?

By utilizing Pyth Network's real-time price feeds and decentralized Oracle services, we enhance ZeroLend protocol's accuracy, transparency, and reliability. This integration helps create a secure and efficient lending ecosystem while minimizing the risks associated with collateral valuation.

ZeroLed uses Pyth for major protocol operations:&#x20;

* **Real-Time Asset Valuation:** As a lending protocol, ZeroLend needs up-to-date and accurate price information to determine the value of digital assets provided as collateral by borrowers. The protocol leverages the Pyth Network's decentralized oracle service to fetch real-time price data for various cryptocurrencies and other financial assets.
* **Determining LTV:** Pyth Network sources data from reputable and trusted institutional venues, aggregating high-quality market data. ZeroLend relies on these reliable price feeds to calculate the collateral's current value, ensuring the LTV (loan-to-value) ratio remains accurate and up-to-date.
* **Liquidation Triggers:** ZeroLend has a liquidation mechanism for under-collateralized loans to mitigate risks and protect lenders' funds. The protocol can automatically trigger a liquidation event if the collateral's value drops below a certain threshold. ZeroLend uses Pyth Network’s precise and real-time price feeds to determine when the protocol should trigger liquidation.
* **Calculating Interest Rates:** The lending protocol may use interest rates based on market dynamics. Pyth Network provides interest rate data for various lending assets, allowing ZeroLend to adjust interest rates dynamically based on supply and demand conditions.
* **Verification and Transparency:** Pyth Network enables Zerolend users to independently verify the accuracy and validity of the price feeds. This transparency helps users verify if our lending protocol operates fairly and without manipulation.
* **Integration with Smart Contracts:** ZeroLend integrates Pyth Network's Oracle service into its smart contracts to fetch and process the required price data. Smart contracts are programmable and self-executing, enabling the lending protocol to automate various processes based on the real-time data received from Pyth.

### Deployments

ZeroLend has also created Chainlink interfaces for Pyth Network. It helps us seamlessly integrate the robustness of Chainlink's Oracle infrastructure with Pyth's real-time price data, ensuring a secure and reliable lending ecosystem for our users.

The source for these oracles can be found here:[ https://github.com/zerolend/pyth-oracles](https://github.com/zerolend/pyth-oracles)


# Redstone

## Using Redstone Oracles

RedStone is a multi-chain Oracle service that provides frequently updated, reliable, and diverse data feeds. ZeroLend utilizes price feeds from Redstone Oracles to calculate collateral value and liquidations.

RedStone protects all ZeroLend's markets on Zircuit, Manta, and Blast and also provides LRT feeds on ETH mainnet and Linea. ZeroLend also uses LBTC / BTC feed from RedStone on Base. You can find the exact contract addresses in RedStone Docs:

{% embed url="<https://docs.redstone.finance/docs/smart-contract-devs/price-feeds>" %}

### Asset-Specific Oracle Information

#### **$STONE**&#x20;

For $STONE on ZeroLend, RedStone provides oracle price feeds essential for market operations.

* Overview:[ $STONE on ZeroLend](https://app.zerolend.xyz/reserve-overview/?underlyingAsset=0xec901da9c68e90798bbbb74c11406a32a70652c3\&marketName=proto_manta_v3)
* Oracle Address:[ RedStone Oracle for $STONE](https://pacific-explorer.manta.network/address/0x36c44B353a340fbC5c7a6A0b8C56269CAC6967A3)

**$wUSDM**&#x20;

RedStone provides $wUSDM price feed for [ZeroLend's Manta Market](https://app.zerolend.xyz/?marketName=proto_manta_v3), ensuring reliable and up-to-date pricing information.

* Overview:[ $wUSDM on ZeroLend](https://app.zerolend.xyz/reserve-overview/?underlyingAsset=0xbdad407f77f44f7da6684b416b1951eca461fb07\&marketName=proto_manta_v3)
* Oracle address:[ RedStone Oracle for $wUSDM](https://pacific-explorer.manta.network/address/0x06D3ddB240A0848FF6d6952742fe814306F86356)


# API3 Oracles

dAPIs operate in a familiar push model, meaning the price is updated on-chain according to pre-determined Oracle specifications. These are 0.25%, 0.5%, 1% and 5% update thresholds, with all Oracles having a 24hr heartbeat.

{% hint style="info" %}
You can learn more about dAPIs in the API3 documentation: <https://docs.api3.org/reference/dapis/understand/>
{% endhint %}

### Oracles operated by API3&#x20;

API3 provides the following dAPIs for Zerolend to operate the correlating markets on the respective chain.

<table><thead><tr><th width="266">Data feed </th><th>Chain</th></tr></thead><tbody><tr><td>DAI/USD</td><td>X Layer </td></tr><tr><td>USDT/USD</td><td>X Layer </td></tr><tr><td>USDC/USD</td><td>X Layer </td></tr><tr><td>BTC/USD</td><td>X Layer </td></tr><tr><td>ETH/USD</td><td>X Layer</td></tr><tr><td>OKB/USD</td><td>X Layer </td></tr></tbody></table>


# Chainlink

## Using ChainLink Oracles

ZeroLend uses the industry standard [decentralized oracles](https://docs.chain.link/data-feeds) Chainlink as its **primary** oracle which provides highly secure and reliable, tamper-resistant data feeds.

Chainlink oracles are used across our Base, Linea and Ethereum instances.

| ETH / USD    | Base     |
| ------------ | -------- |
| AERO / USD   | Base     |
| USDC / USD   | Base     |
| CBETH / USD  | Base     |
| cbBTC / USD  | Base     |
| USDC / USD   | Linea    |
| ETH / USD    | Linea    |
| BTC / USD    | Linea    |
| WSTETH / USD | Linea    |
| DAI / USD    | Linea    |
| BTC / USD    | Ethereum |
| DAI / USD    | Ethereum |
| USDC / USD   | Ethereum |
| USDT / USD   | Ethereum |
| ETH / USD    | Ethereum |
| USDC / USD   | Ethereum |
| USDT / USD   | Ethereum |

#### List of Chainlink feeds being consumed by Zerolend

{% tabs %}
{% tab title="Base" %}

| Asset Address                              | Oracle Address                             | Consumer                                   |
| ------------------------------------------ | ------------------------------------------ | ------------------------------------------ |
| 0x4200000000000000000000000000000000000006 | 0x71041dddad3595F9CEd3DcCFBe3D1F4b0a16Bb70 | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| 0x940181a94A35A4569E4529A3CDfB74e38FD98631 | 0x4EC5970fC728C5f65ba413992CD5fF6FD70fcfF0 | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913 | 0x7e860098F58bBFC8648a4311b374B1D669a2bc6B | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| 0x0A27E060C0406f8Ab7B64e3BEE036a37e5a62853 | 0x78Ad3d53045b6582841e2a1a688C52Be2CA2A7a7 | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| 0x2Ae3F1Ec7F1F5012CFEab0185bfc7aa3cf0DEc22 | 0xd7818272B9e248357d13057AAb0B417aF31E817d | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| 0xcbB7C0000aB88B473b1f5aFd9ef808440eed33Bf | 0x07DA0E54543a844a80ABE69c8A12F22B3aA59f9D | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| 0x6cDcb1C4A4D1C3C6d054b27AC5B77e89eAFb971d | 0xbF8216841B3c3032381BD3f7233895Fe3b5BDCfB | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| 0x1097dFe9539350cb466dF9CA89A5e61195A520B0 | 0xA185cA8B2894B8D0c26448a7aC6902a96d13E580 | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| 0x04D5ddf5f3a8939889F11E97f8c4BB48317F1938 | 0x78Ad3d53045b6582841e2a1a688C52Be2CA2A7a7 | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| 0xe31eE12bDFDD0573D634124611e85338e2cBF0cF | 0x78Ad3d53045b6582841e2a1a688C52Be2CA2A7a7 | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| 0xDBFeFD2e8460a6Ee4955A68582F85708BAEA60A3 | 0x71041dddad3595F9CEd3DcCFBe3D1F4b0a16Bb70 | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| 0xF469fBD2abcd6B9de8E169d128226C0Fc90a012e | 0x07DA0E54543a844a80ABE69c8A12F22B3aA59f9D | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| 0x7FcD174E80f264448ebeE8c88a7C4476AAF58Ea6 | 0x71041dddad3595F9CEd3DcCFBe3D1F4b0a16Bb70 | 0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c |
| {% endtab %}                               |                                            |                                            |

{% tab title="Linea" %}

| Asset Address                              | Oracle Address                             | Consumer                                   |
| ------------------------------------------ | ------------------------------------------ | ------------------------------------------ |
| 0x176211869cA2b568f2A7D4EE941E073a821EE1ff | 0xAADAa473C1bDF7317ec07c915680Af29DeBfdCb5 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0xA219439258ca9da29E9Cc4cE5596924745e12B93 | 0x41B19217a5b5FD26a5482114d58478856c70D705 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0xe5D7C2a44FfDDf6b295A15c148167daaAf5Cf34f | 0x3c6Cd9Cc7c7a4c2Cf5a82734CD249D7D593354dA | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0xf3B001D64C656e30a62fbaacA003B1336b4ce12A | 0x458AD5B487F4442245E4C5eA7249009E607A5583 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0x894134a25a5faC1c2C26F1d8fBf05111a3CB9487 | 0x458AD5B487F4442245E4C5eA7249009E607A5583 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0x2416092f143378750bb29b79eD961ab195CcEea5 | 0x8053edF19352932F76Ea65FCEefbef9327B2619D | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0x3aAB2285ddcDdaD8edf438C1bAB47e1a9D05a9b4 | 0x7A99092816C8BD5ec8ba229e3a6E6Da1E628E1F9 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0xD2671165570f41BBB3B0097893300b6EB6101E6C | 0x5368218848A4b5412dAe4e6a4BD07a372A30D3f4 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0x1Bf74C010E6320bab11e2e5A532b5AC15e0b8aA6 | 0x68c889e2243AD454f6c8Bb6e3290B91f8f87AddA | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0x15EEfE5B297136b8712291B632404B66A8eF4D25 | 0xB6B41A40a6D059857f6D11Bd8d6b4598d504e420 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0x5d3a1Ff2b6BAb83b63cd9AD0787074081a52ef34 | 0xFc8734eBF4A56A7A6a47ad6D44F1330FD26307a8 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0x211Cc4DD073734dA055fbF44a2b4667d5E5fE5d2 | 0x86C1C97Bac53F903e0F1d9C7DA9390F14714413C | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0xB5beDd42000b71FddE22D3eE8a79Bd49A568fC8F | 0x8eCE1AbA32716FdDe8D6482bfd88E9a0ee01f565 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0x93F4d0ab6a8B4271f4a28Db399b5E30612D21116 | 0x12E9dAEBB90aa347d796d6B8A5cCb80e58cbfab3 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0xEcc68d0451E20292406967Fe7C04280E5238Ac7D | 0xC785a3a3df3CaFc11184A1aBdCE8327EbA4a9eCe | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0x4AF15ec2A0BD43Db75dd04E62FAA3B8EF36b00d5 | 0x5133D67c38AFbdd02997c14Abd8d83676B4e309A | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0x5A7a183B6B44Dc4EC2E3d2eF43F98C5152b1d76d | 0x3c6Cd9Cc7c7a4c2Cf5a82734CD249D7D593354dA | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0xb20116eE399f15647BB1eEf9A74f6ef3b58bc951 | 0x458AD5B487F4442245E4C5eA7249009E607A5583 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0x5FFcE65A40f6d3de5332766ffF6A28BF491C868c | 0x7A99092816C8BD5ec8ba229e3a6E6Da1E628E1F9 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| 0xe4D584ae9b753e549cAE66200A6475d2f00705f7 | 0x7A99092816C8BD5ec8ba229e3a6E6Da1E628E1F9 | 0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385 |
| {% endtab %}                               |                                            |                                            |

{% tab title="BTC LRT" %}

| Asset Address                              | Oracle Address                             | Consumer                                   |
| ------------------------------------------ | ------------------------------------------ | ------------------------------------------ |
| 0x2260FAC5E5542a773Aa44fBCfeDf7C193bc2C599 | 0xF4030086522a5bEEa4988F8cA5B36dbC97BeE88c | 0xad19a55354614913B373E01da768ab679ac4DA41 |
| 0x657e8C867D8B37dCC18fA4Caead9C45EB088C642 | 0xF4030086522a5bEEa4988F8cA5B36dbC97BeE88c | 0xad19a55354614913B373E01da768ab679ac4DA41 |
| 0xB997B3418935A1Df0F914Ee901ec83927c1509A0 | 0xa914840C0a23D7b692d1E94F88c01974De305aA1 | 0xad19a55354614913B373E01da768ab679ac4DA41 |
| 0x8236a87084f8B84306f72007F36F2618A5634494 | 0xF4030086522a5bEEa4988F8cA5B36dbC97BeE88c | 0xad19a55354614913B373E01da768ab679ac4DA41 |
| 0xcbB7C0000aB88B473b1f5aFd9ef808440eed33Bf | 0xF4030086522a5bEEa4988F8cA5B36dbC97BeE88c | 0xad19a55354614913B373E01da768ab679ac4DA41 |
| 0x332A8ee60EdFf0a11CF3994b1b846BBC27d3DcD6 | 0x802fc5ABC3c0e3428a833cF459c9EcF4673B4915 | 0xad19a55354614913B373E01da768ab679ac4DA41 |
| 0xd9D920AA40f578ab794426F5C90F6C731D159DEf | 0xF4030086522a5bEEa4988F8cA5B36dbC97BeE88c | 0xad19a55354614913B373E01da768ab679ac4DA41 |
| 0x2F913C820ed3bEb3a67391a6eFF64E70c4B20b19 | 0xF4030086522a5bEEa4988F8cA5B36dbC97BeE88c | 0xad19a55354614913B373E01da768ab679ac4DA41 |

{% endtab %}

{% tab title="ETH LRT" %}

| Asset Address                              | Oracle Address                             | Consumer                                   |
| ------------------------------------------ | ------------------------------------------ | ------------------------------------------ |
| 0x6B175474E89094C44Da98b954EedeAC495271d0F | 0xAed0c38402a5d19df6E4c03F4E2DceD6e29c1ee9 | 0x1cc993f2C8b6FbC43a9bafd2A44398E739733385 |
| 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48 | 0x8fFfFfd4AfB6115b954Bd326cbe7B4BA576818f6 | 0x1cc993f2C8b6FbC43a9bafd2A44398E739733385 |
| 0xdAC17F958D2ee523a2206206994597C13D831ec7 | 0x3E7d1eAB13ad0104d2750B8863b489D65364e32D | 0x1cc993f2C8b6FbC43a9bafd2A44398E739733385 |
| 0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2 | 0x5f4eC3Df9cbd43714FE2740f5E3616155c5b8419 | 0x1cc993f2C8b6FbC43a9bafd2A44398E739733385 |
| 0xCd5fE23C85820F7B72D0926FC9b05b43E359b7ee | 0xdDb6F90fFb4d3257dd666b69178e5B3c5Bf41136 | 0x1cc993f2C8b6FbC43a9bafd2A44398E739733385 |
| 0xbf5495Efe5DB9ce00f80364C8B423567e58d2110 | 0x643A256Fba667880c0FbdF2332652A83fd4B30E7 | 0x1cc993f2C8b6FbC43a9bafd2A44398E739733385 |
| 0xA1290d69c65A6Fe4DF752f95823fae25cB99e5A7 | 0x33B13F46a25D836CC0ce91B370305902aB6CF1Be | 0x1cc993f2C8b6FbC43a9bafd2A44398E739733385 |
| 0xD9A442856C234a39a81a089C06451EBAa4306a72 | 0x5f4eC3Df9cbd43714FE2740f5E3616155c5b8419 | 0x1cc993f2C8b6FbC43a9bafd2A44398E739733385 |
| 0xf951E335afb289353dc249e82926178EaC7DEd78 | 0x5f4eC3Df9cbd43714FE2740f5E3616155c5b8419 | 0x1cc993f2C8b6FbC43a9bafd2A44398E739733385 |
| 0x8c9532a60E0E7C6BbD2B2c1303F63aCE1c3E9811 | 0x01d3BB31F1948bA32Ee9C725435291e425c3E5FF | 0x1cc993f2C8b6FbC43a9bafd2A44398E739733385 |
| 0x7bAf258049cc8B9A78097723dc19a8b103D4098F | 0x90A2C1f9a91Bc1F9C8988D043e0E9DcbE38cBd47 | 0x1cc993f2C8b6FbC43a9bafd2A44398E739733385 |
| {% endtab %}                               |                                            |                                            |

{% tab title="RWA" %}

| Asset Address                              | Oracle Address                             | Consumer                                   |
| ------------------------------------------ | ------------------------------------------ | ------------------------------------------ |
| 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48 | 0x8fFfFfd4AfB6115b954Bd326cbe7B4BA576818f6 | 0x9a4BF8be3a363bd7fC50833c1C24e8076E2F762E |
| 0xdAC17F958D2ee523a2206206994597C13D831ec7 | 0x3E7d1eAB13ad0104d2750B8863b489D65364e32D | 0x9a4BF8be3a363bd7fC50833c1C24e8076E2F762E |
| 0xdC035D45d973E3EC169d2276DDab16f1e407384F | 0x08E8EC507968185eFB94EFD2d355F9932A0F7551 | 0x9a4BF8be3a363bd7fC50833c1C24e8076E2F762E |
| 0x69000405f9DcE69BD4Cbf4f2865b79144A69BFE0 | 0x08E8EC507968185eFB94EFD2d355F9932A0F7551 | 0x9a4BF8be3a363bd7fC50833c1C24e8076E2F762E |
| 0x939778D83b46B456224A33Fb59630B11DEC56663 | 0x08E8EC507968185eFB94EFD2d355F9932A0F7551 | 0x9a4BF8be3a363bd7fC50833c1C24e8076E2F762E |
| 0x73A15FeD60Bf67631dC6cd7Bc5B6e8da8190aCF5 | 0x08E8EC507968185eFB94EFD2d355F9932A0F7551 | 0x9a4BF8be3a363bd7fC50833c1C24e8076E2F762E |
| 0x35D8949372D46B7a3D5A56006AE77B215fc69bC0 | 0x08E8EC507968185eFB94EFD2d355F9932A0F7551 | 0x9a4BF8be3a363bd7fC50833c1C24e8076E2F762E |
| 0x270d664d2Fc7D962012a787Aec8661CA83DF24EB | 0x36169BAf1A7542b5029c8c257fC7eAF69D67dAAC | 0x9a4BF8be3a363bd7fC50833c1C24e8076E2F762E |
| 0x0022228a2cc5E7eF0274A7Baa600d44da5aB5776 | 0x08E8EC507968185eFB94EFD2d355F9932A0F7551 | 0x9a4BF8be3a363bd7fC50833c1C24e8076E2F762E |
| 0x5BaE9a5D67d1CA5b09B14c91935f635CFBF3b685 | 0xad55B868d30866457AaeDc65e1c3CdFa098F4AC2 | 0x9a4BF8be3a363bd7fC50833c1C24e8076E2F762E |
| {% endtab %}                               |                                            |                                            |
| {% endtabs %}                              |                                            |                                            |

**Referencing Chainlink Developer Resources**

For developers, detailed documentation on Chainlink integration can be found here:

* [Chainlink Data Feeds](<https://docs.chain.link/data-feeds&#xA;>)
* [Chainlink GitHub Documentation](https://github.com/smartcontractkit/documentation?tab=readme-ov-file#referencing-chainlink-documentation)
* [Chainlink Quick Links](https://docs.chain.link/builders-quick-links)

These resources provide guidance on fetching on-chain data, deploying price feeds, and testing integrations.


# eOracle

eOracle provides Zerolend with secure, real-time data feeds critical for powering safe and capital-efficient lending markets. Built by experts in cybersecurity and risk management, and backed by $6B in staked security with 140 validators globally, eOracle is the most secure and decentralized oracle network available today.

### **How Zerolend Integrates eOracle**

Zerolend and eOracle are aligned on core principles: security, transparency, and reliable data feeds. As Zerolend expands to support new asset types and deploys novel lending vaults, eOracle delivers robust oracle solutions purpose-built for DeFi markets.

**ePrice – Modular Oracle for Asset Price Feeds**

Zerolend integrates ePrice, eOracle’s modular price feed architecture, directly into its smart contracts. ePrice is built on restaked Ethereum security and combines reliable infrastructure with sophisticated price discovery. It supports permissionless integration, enabling accurate and secure pricing for various assets, including low-liquidity and emerging markets.

**Live Data Feeds**

eOracle’s supported feeds are continuously expanding. For the most up-to-date list of supported contract addresses, visit:

{% hint style="info" %}
🔗 [eOracle Feed Registry](https://docs.eo.app/docs/eprice/feed-addresses)
{% endhint %}


# Deployed Addresses

This page contains all our deployed addresses on zkSync, Manta, Linea, Blast, Ethereum mainnet, Base and X Layer.

## ZERO Token

The $ZERO token is native to the Linea blockchain. Users will be able to bridge it via a custom bridge available on [app.zerolend.xyz](https://app.zerolend.xyz/), which will become operational after the Token Generation Event (TGE).

{% hint style="success" %}
Contract address: <https://lineascan.build/token/0x78354f8dccb269a615a7e0a24f9b0718fdc3c7a7>
{% endhint %}

| Network             | Address                                                                                                                                   |
| ------------------- | ----------------------------------------------------------------------------------------------------------------------------------------- |
| Linea               | [0x78354f8dccb269a615a7e0a24f9b0718fdc3c7a7](https://lineascan.build/token/0x78354f8dccb269a615a7e0a24f9b0718fdc3c7a7)                    |
| Linea (OFT Adapter) | [0x1dad693787c5817ef3102f513025fa6a66039e8e](https://lineascan.build/address/0x1dad693787c5817ef3102f513025fa6a66039e8e)                  |
| Ethereum (OFT)      | [0x11dCc26d4bDAc03FFa8841f69313C38240FC429e](https://etherscan.io/address/0x11dcc26d4bdac03ffa8841f69313c38240fc429e)                     |
| Blast (OFT)         | [0x357f93E17FdabEcd3fEFc488a2d27dff8065d00f](https://blastscan.io/address/0x357f93E17FdabEcd3fEFc488a2d27dff8065d00f#code)                |
| Manta (OFT)         | [0x35a57eFB9b4ae833e9A200bb191ff69420caFa1D](https://pacific-explorer.manta.network/token/0x35a57eFB9b4ae833e9A200bb191ff69420caFa1D)     |
| zkSync (OFT)        | [0x27d0A2b5316b98088294378692F4EAbfB3222e36](https://explorer.zksync.io/address/0x27d0A2b5316b98088294378692F4EAbfB3222e36#contract)      |
| X Layer (OFT)       | [0x843D794eD4335b27d02184ca86787C14e6247074](https://www.okx.com/web3/explorer/xlayer/address/0x843D794eD4335b27d02184ca86787C14e6247074) |

## Core & Periphery Contracts & Pool Contracts

These are the addresses of the ZeroLend protocol on our supported chains.

{% tabs %}
{% tab title="zkSync" %}

| Contract Name                           | Address                                                                                                                     |
| --------------------------------------- | --------------------------------------------------------------------------------------------------------------------------- |
| AaveOracle-zkSync                       | [0x785765De3E9ac3D8eEb42B4724A7FEA8990142B8](https://era.zksync.network/address/0x785765De3E9ac3D8eEb42B4724A7FEA8990142B8) |
| ACLManager-zkSync                       | [0x9A60cce3da06d246b492931d2943A8F574e67389](https://era.zksync.network/address/0x9A60cce3da06d246b492931d2943A8F574e67389) |
| AToken-zkSync                           | [0xe8178fF950Ea1B69a51cE961C542a4CC6Cb6e38E](https://era.zksync.network/address/0xe8178fF950Ea1B69a51cE961C542a4CC6Cb6e38E) |
| DelegationAwareAToken-zkSync            | [0x102699803F4A2b02046C38C672401759af633510](https://era.zksync.network/address/0x102699803F4A2b02046C38C672401759af633510) |
| EmissionManager                         | [0x72D2aB433526d32e6Ee52c03d1562A9E79bf0F19](https://era.zksync.network/address/0x72D2aB433526d32e6Ee52c03d1562A9E79bf0F19) |
| IncentivesProxy                         | [0x54AB34aB3C723bD2674c7082aA6fFcdfd3A5BEdc](https://era.zksync.network/address/0x54AB34aB3C723bD2674c7082aA6fFcdfd3A5BEdc) |
| IncentivesV2-Implementation             | [0x86bd524C09508df7B4B9027464975351B1BC2c92](https://era.zksync.network/address/0x86bd524C09508df7B4B9027464975351B1BC2c92) |
| Pool-Implementation                     | [0x54d6F91bE4509826559ad12E1Ca6CA3A6C3811e0](https://era.zksync.network/address/0x54d6F91bE4509826559ad12E1Ca6CA3A6C3811e0) |
| Pool-Proxy-zkSync                       | [0x4d9429246EA989C9CeE203B43F6d1C7D83e3B8F8](https://era.zksync.network/address/0x4d9429246EA989C9CeE203B43F6d1C7D83e3B8F8) |
| PoolAddressesProvider-zkSync            | [0x4f285Ea117eF0067B59853D6d16a5dE8088bA259](https://era.zksync.network/address/0x4f285Ea117eF0067B59853D6d16a5dE8088bA259) |
| PoolAddressesProviderRegistry           | [0x78B93fBb35C97b32C7381C81Fa3A620b3fB7787B](https://era.zksync.network/address/0x78B93fBb35C97b32C7381C81Fa3A620b3fB7787B) |
| PoolConfigurator-Implementation         | [0x8FBC873afD2a23D0bDd79d8a8756a38adda40810](https://era.zksync.network/address/0x8FBC873afD2a23D0bDd79d8a8756a38adda40810) |
| PoolConfigurator-Proxy-zkSync           | [0x9C3058F7bfCA6139ac3013999F57D7aa6a3AB1Ed](https://era.zksync.network/address/0x9C3058F7bfCA6139ac3013999F57D7aa6a3AB1Ed) |
| PoolDataProvider-zkSync                 | [0xB73550bC1393207960A385fC8b34790e5133175E](https://era.zksync.network/address/0xB73550bC1393207960A385fC8b34790e5133175E) |
| ReservesSetupHelper                     | [0xe00d794744e763BeC67BdEdF6e852D4e0d958DFb](https://era.zksync.network/address/0xe00d794744e763BeC67BdEdF6e852D4e0d958DFb) |
| ReserveStrategy-rateStrategyStableOne   | [0x70cA80C5dE9fC8f080a494453dF1aA9180073031](https://era.zksync.network/address/0x70cA80C5dE9fC8f080a494453dF1aA9180073031) |
| ReserveStrategy-rateStrategyStableTwo   | [0xcaA502e289bFb924732f44f5E70bd08fc052aab8](https://era.zksync.network/address/0xcaA502e289bFb924732f44f5E70bd08fc052aab8) |
| ReserveStrategy-rateStrategyVolatileOne | [0xEdAc06D73DbdD3460B5728E4bBE9862b04Ac198a](https://era.zksync.network/address/0xEdAc06D73DbdD3460B5728E4bBE9862b04Ac198a) |
| StableDebtToken-zkSync                  | [0x3A8ea541597D74ACB33F94533D731940AF516031](https://era.zksync.network/address/0x3A8ea541597D74ACB33F94533D731940AF516031) |
| Treasury-Controller                     | [0x677C3Cae4F23142c6A8480694554751B462d7326](https://era.zksync.network/address/0x677C3Cae4F23142c6A8480694554751B462d7326) |
| Treasury-Implementation                 | [0xC59971Ff27806629D9935fbFBBFC2236961f82C8](https://era.zksync.network/address/0xC59971Ff27806629D9935fbFBBFC2236961f82C8) |
| TreasuryProxy                           | [0xE52540DBD350c611A1B9c51E97e2A6bc16c09133](https://era.zksync.network/address/0xE52540DBD350c611A1B9c51E97e2A6bc16c09133) |
| UiIncentiveDataProviderV3               | [0x91ccF57c1E9A7F5A9537eE59306faF8dA3b7e960](https://era.zksync.network/address/0x91ccF57c1E9A7F5A9537eE59306faF8dA3b7e960) |
| UiPoolDataProviderV3                    | [0x8FE0ac76b634B7D343Bd32282B98E9f271B43367](https://era.zksync.network/address/0x8FE0ac76b634B7D343Bd32282B98E9f271B43367) |
| VariableDebtToken-zkSync                | [0xA48aCc9847Cc1dD2caDA05151C9A78Ba47a305Cb](https://era.zksync.network/address/0xA48aCc9847Cc1dD2caDA05151C9A78Ba47a305Cb) |
| WalletBalanceProvider                   | [0xdeEa10da04D867e3303AB6E50FA26C2d8a5e9f70](https://era.zksync.network/address/0xdeEa10da04D867e3303AB6E50FA26C2d8a5e9f70) |
| WrappedTokenGatewayV3                   | [0x767b4A087c11d7581Ac95eaFfc1FeBFA26bad3d2](https://era.zksync.network/address/0x767b4A087c11d7581Ac95eaFfc1FeBFA26bad3d2) |
| {% endtab %}                            |                                                                                                                             |

{% tab title="Manta" %}

| Contract Name                           | Address                                                                                                                                 |
| --------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------- |
| AaveOracle                              | [0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385](https://pacific-explorer.manta.network/address/0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385) |
| ACLManager                              | [0xb2178109A414C3a869E5104283Fcf1a18923D0B8](https://pacific-explorer.manta.network/address/0xb2178109A414C3a869E5104283Fcf1a18923D0B8) |
| AToken                                  | [0xD2a2a567674E85Bedab9dcC402bCae6C4E0aaBb8](https://pacific-explorer.manta.network/address/0xD2a2a567674E85Bedab9dcC402bCae6C4E0aaBb8) |
| DelegationAwareAToken                   | [0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c](https://pacific-explorer.manta.network/address/0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c) |
| EmissionManager                         | [0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5](https://pacific-explorer.manta.network/address/0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5) |
| IncentivesProxy                         | [0x28F6899fF643261Ca9766ddc251b359A2d00b945](https://pacific-explorer.manta.network/address/0x28F6899fF643261Ca9766ddc251b359A2d00b945) |
| IncentivesV2-Implementation             | [0x6e9d0cE24d14fB1750Ba0369e300413B230CA947](https://pacific-explorer.manta.network/address/0x6e9d0cE24d14fB1750Ba0369e300413B230CA947) |
| Pool-Implementation                     | [0x8676e39B5D2f0d6E0d78a4208a0cCBc50504972e](https://pacific-explorer.manta.network/address/0x8676e39B5D2f0d6E0d78a4208a0cCBc50504972e) |
| Pool-Proxy                              | [0x2f9bB73a8e98793e26Cb2F6C4ad037BDf1C6B269](https://pacific-explorer.manta.network/address/0x2f9bB73a8e98793e26Cb2F6C4ad037BDf1C6B269) |
| PoolAddressesProvider                   | [0xC44827C51d00381ed4C52646aeAB45b455d200eB](https://pacific-explorer.manta.network/address/0xC44827C51d00381ed4C52646aeAB45b455d200eB) |
| PoolAddressesProviderRegistry           | [0xC3B6dDc1c9876a922754f1d01D18893C7956A74D](https://pacific-explorer.manta.network/address/0xC3B6dDc1c9876a922754f1d01D18893C7956A74D) |
| PoolConfigurator-Implementation         | [0x78Ad3d53045b6582841e2a1a688C52Be2CA2A7a7](https://pacific-explorer.manta.network/address/0x78Ad3d53045b6582841e2a1a688C52Be2CA2A7a7) |
| PoolConfigurator-Proxy                  | [0xf17218B09699d0F7145e40E771e72130FF616498](https://pacific-explorer.manta.network/address/0xf17218B09699d0F7145e40E771e72130FF616498) |
| PoolDataProvider                        | [0x67f93d36792c49a4493652B91ad4bD59f428AD15](https://pacific-explorer.manta.network/address/0x67f93d36792c49a4493652B91ad4bD59f428AD15) |
| PullRewardsTransferStrategy             | [0x2ACc2b9FC1123AB649895c9e825260f31348732B](https://pacific-explorer.manta.network/address/0x2ACc2b9FC1123AB649895c9e825260f31348732B) |
| ReservesSetupHelper                     | [0xb8634e0a320d0f4861062514a63B659E52A87E21](https://pacific-explorer.manta.network/address/0xb8634e0a320d0f4861062514a63B659E52A87E21) |
| ReserveStrategy-rateStrategyStableOne   | [0xaa999eA356F925BF1e856038c5D182Ae5E8A4973](https://pacific-explorer.manta.network/address/0xaa999eA356F925BF1e856038c5D182Ae5E8A4973) |
| ReserveStrategy-rateStrategyStableTwo   | [0xB7ED499e7570EE7691eeF4DF9D708d258DE2B512](https://pacific-explorer.manta.network/address/0xB7ED499e7570EE7691eeF4DF9D708d258DE2B512) |
| ReserveStrategy-rateStrategyVolatileOne | [0x0f9bfa294bE6e3CA8c39221Bb5DFB88032C8936E](https://pacific-explorer.manta.network/address/0x0f9bfa294bE6e3CA8c39221Bb5DFB88032C8936E) |
| StableDebtToken                         | [0x859C2ca97EAd2742a0758bc9dD889e9D0e7e84E8](https://pacific-explorer.manta.network/address/0x859C2ca97EAd2742a0758bc9dD889e9D0e7e84E8) |
| Treasury-Controller                     | [0x3fC90e521397b251D4aAA1FBeAC7cc32f25E78fa](https://pacific-explorer.manta.network/address/0x3fC90e521397b251D4aAA1FBeAC7cc32f25E78fa) |
| Treasury-Implementation                 | [0xAdC1eb4e8c72f03339638a7B43b2097FC1AFB6c8](https://pacific-explorer.manta.network/address/0xAdC1eb4e8c72f03339638a7B43b2097FC1AFB6c8) |
| TreasuryProxy                           | [0x97e59722318F1324008484ACA9C343863792cBf6](https://pacific-explorer.manta.network/address/0x97e59722318F1324008484ACA9C343863792cBf6) |
| UiIncentiveDataProviderV3               | [0x81b3184A3B5d4612F2c26A53Da8D99474B91B2D2](https://pacific-explorer.manta.network/address/0x81b3184A3B5d4612F2c26A53Da8D99474B91B2D2) |
| UiPoolDataProviderV3                    | [0xa32Eb787F2A3DC1F2c2da0E5d8caE7Ff74E6fD32](https://pacific-explorer.manta.network/address/0xa32Eb787F2A3DC1F2c2da0E5d8caE7Ff74E6fD32) |
| VariableDebtToken                       | [0x0a8058203387c15a711204908ed9efeD9f76e6A8](https://pacific-explorer.manta.network/address/0x0a8058203387c15a711204908ed9efeD9f76e6A8) |
| WalletBalanceProvider                   | [0xCbDc0aeD7CDf2472784068abEf23a902CafABb98](https://pacific-explorer.manta.network/address/0xCbDc0aeD7CDf2472784068abEf23a902CafABb98) |
| WrappedTokenGatewayV3                   | [0xE05361EA51E20118072aec0fB0FD178e8b09D69e](https://pacific-explorer.manta.network/address/0xE05361EA51E20118072aec0fB0FD178e8b09D69e) |
| {% endtab %}                            |                                                                                                                                         |

{% tab title="Blast" %}

| Contract Name                           | Address                                                                                                                    |
| --------------------------------------- | -------------------------------------------------------------------------------------------------------------------------- |
| Blast Points Operator                   | [0x5DE55B4Ac28D44CF3269a6E395B8340842e225aB](https://blastscan.io/address/0x5DE55B4Ac28D44CF3269a6E395B8340842e225aB)      |
| Blast Points Receiver                   | [0x53a3Aa617afE3C12550a93BA6262430010037B04](https://blastscan.io/address/0x53a3Aa617afE3C12550a93BA6262430010037B04#code) |
| ACLManager-blast                        | [0x7503A8823B523629E28587317901BA4C055791eb](https://blastscan.io/address/0x7503A8823B523629E28587317901BA4C055791eb)      |
| AToken-blast                            | [0xA754b2f1535287957933db6e2AEE2b2FE6f38588](https://blastscan.io/address/0xA754b2f1535287957933db6e2AEE2b2FE6f38588)      |
| AaveOracle-blast                        | [0xBE0ab675a478A759ECA580f0D6c9d399085547D8](https://blastscan.io/address/0xBE0ab675a478A759ECA580f0D6c9d399085547D8)      |
| Blast-AToken-blast                      | [0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5](https://blastscan.io/address/0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5)      |
| BlastAToken                             | [0xcfFe406e87ee9951696D910e63b0b22d7BC85401](https://blastscan.io/address/0xcfFe406e87ee9951696D910e63b0b22d7BC85401)      |
| DelegationAwareAToken-blast             | [0xcC8a5B5010C8A3832ecd2763E5b0e17811fBBD26](https://blastscan.io/address/0xcC8a5B5010C8A3832ecd2763E5b0e17811fBBD26)      |
| EmissionManager                         | [0xFD856E1a33225B86f70D686f9280435E3fF75FCF](https://blastscan.io/address/0xFD856E1a33225B86f70D686f9280435E3fF75FCF)      |
| IncentivesProxy                         | [0x94Dc19a5bd17E84d90E63ff3fBA9c3B76E5E4012](https://blastscan.io/address/0x94Dc19a5bd17E84d90E63ff3fBA9c3B76E5E4012)      |
| IncentivesV2-Implementation             | [0xb47d417F55080081c6Fad95C3A470fe98A97e603](https://blastscan.io/address/0xb47d417F55080081c6Fad95C3A470fe98A97e603)      |
| Pool-Implementation                     | [0x3fC90e521397b251D4aAA1FBeAC7cc32f25E78fa](https://blastscan.io/address/0x3fC90e521397b251D4aAA1FBeAC7cc32f25E78fa)      |
| Pool-Proxy-blast                        | [0xa70B0F3C2470AbBE104BdB3F3aaa9C7C54BEA7A8](https://blastscan.io/address/0xa70B0F3C2470AbBE104BdB3F3aaa9C7C54BEA7A8)      |
| PoolAddressesProvider-blast             | [0xb0811a1FC9Fb9972ee683Ba04c32Cb828Bcf587B](https://blastscan.io/address/0xb0811a1FC9Fb9972ee683Ba04c32Cb828Bcf587B)      |
| PoolAddressesProviderRegistry           | [0xBBaEF34D75e15C5d04A078fc2634245842EABdc7](https://blastscan.io/address/0xBBaEF34D75e15C5d04A078fc2634245842EABdc7)      |
| PoolConfigurator-Implementation         | [0x844bd3eEf0E454c6e273E2061E17308677E35FB4](https://blastscan.io/address/0x844bd3eEf0E454c6e273E2061E17308677E35FB4)      |
| PoolConfigurator-Proxy-blast            | [0x22d3cDb2fbD1528a0eBb047EC4DE369098EFcda1](https://blastscan.io/address/0x22d3cDb2fbD1528a0eBb047EC4DE369098EFcda1)      |
| PoolDataProvider-blast                  | [0xc6DF4ddDBFaCb866e78Dcc01b813A41C15A08C10](https://blastscan.io/address/0xc6DF4ddDBFaCb866e78Dcc01b813A41C15A08C10)      |
| PullRewardsTransferStrategy             | [0x72f7566116211Cd4940cB3452Df208C23297425A](https://blastscan.io/address/0x72f7566116211Cd4940cB3452Df208C23297425A)      |
| ReserveStrategy-rateStrategyStableOne   | [0x854138f891FE0A86270f6F153A06fBfabF69E0Ad](https://blastscan.io/address/0x854138f891FE0A86270f6F153A06fBfabF69E0Ad)      |
| ReserveStrategy-rateStrategyStableTwo   | [0x0a8058203387c15a711204908ed9efeD9f76e6A8](https://blastscan.io/address/0x0a8058203387c15a711204908ed9efeD9f76e6A8)      |
| ReserveStrategy-rateStrategyVolatileOne | [0x859C2ca97EAd2742a0758bc9dD889e9D0e7e84E8](https://blastscan.io/address/0x859C2ca97EAd2742a0758bc9dD889e9D0e7e84E8)      |
| ReservesSetupHelper                     | [0xC44827C51d00381ed4C52646aeAB45b455d200eB](https://blastscan.io/address/0xC44827C51d00381ed4C52646aeAB45b455d200eB)      |
| StableDebtToken-blast                   | [0x1cc993f2C8b6FbC43a9bafd2A44398E739733385](https://blastscan.io/address/0x1cc993f2C8b6FbC43a9bafd2A44398E739733385)      |
| Treasury-Controller                     | [0x89fEc31daD373922879bd6279ccDc3666c5D1b7a](https://blastscan.io/address/0x89fEc31daD373922879bd6279ccDc3666c5D1b7a)      |
| Treasury-Implementation                 | [0x59423CCeB710266520dB98034ff62dD1E2090E10](https://blastscan.io/address/0x59423CCeB710266520dB98034ff62dD1E2090E10)      |
| TreasuryProxy                           | [0x9698FdF843cbe4531610aC231B0047d9FFc13bC6](https://blastscan.io/address/0x9698FdF843cbe4531610aC231B0047d9FFc13bC6)      |
| UiIncentiveDataProviderV3               | [0x66f3015534fae808773422e32b74f5732668dD5b](https://blastscan.io/address/0x66f3015534fae808773422e32b74f5732668dD5b)      |
| UiPoolDataProviderV3                    | [0xE230cF9Cee7b299F69778EF950A61de0dE520ba7](https://blastscan.io/address/0xE230cF9Cee7b299F69778EF950A61de0dE520ba7)      |
| VariableDebtToken-blast                 | [0xD2a2a567674E85Bedab9dcC402bCae6C4E0aaBb8](https://blastscan.io/address/0xD2a2a567674E85Bedab9dcC402bCae6C4E0aaBb8)      |
| WalletBalanceProvider                   | [0x4Fcb7F18FA9255B52793dfd865d245bcec871468](https://blastscan.io/address/0x4Fcb7F18FA9255B52793dfd865d245bcec871468)      |
| WrappedTokenGatewayV3                   | [0xFaDFb0BC400427663020887e7c8073D03A35dc3c](https://blastscan.io/address/0xFaDFb0BC400427663020887e7c8073D03A35dc3c)      |
| {% endtab %}                            |                                                                                                                            |

{% tab title="Linea" %}

| Contract Name                           | Address                                                                                                                  |
| --------------------------------------- | ------------------------------------------------------------------------------------------------------------------------ |
| AaveOracle-linea                        | [0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385](https://lineascan.build/address/0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385) |
| ACLManager-linea                        | [0xb2178109A414C3a869E5104283Fcf1a18923D0B8](https://lineascan.build/address/0xb2178109A414C3a869E5104283Fcf1a18923D0B8) |
| AToken-linea                            | [0xD2a2a567674E85Bedab9dcC402bCae6C4E0aaBb8](https://lineascan.build/address/0xD2a2a567674E85Bedab9dcC402bCae6C4E0aaBb8) |
| DelegationAwareAToken-linea             | [0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c](https://lineascan.build/address/0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c) |
| EmissionManager                         | [0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5](https://lineascan.build/address/0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5) |
| IncentivesProxy                         | [0x28F6899fF643261Ca9766ddc251b359A2d00b945](https://lineascan.build/address/0x28F6899fF643261Ca9766ddc251b359A2d00b945) |
| IncentivesV2-Implementation             | [0x6e9d0cE24d14fB1750Ba0369e300413B230CA947](https://lineascan.build/address/0x6e9d0cE24d14fB1750Ba0369e300413B230CA947) |
| Pool-Implementation                     | [0x8676e39B5D2f0d6E0d78a4208a0cCBc50504972e](https://lineascan.build/address/0x8676e39B5D2f0d6E0d78a4208a0cCBc50504972e) |
| Pool-Proxy-linea                        | [0x2f9bB73a8e98793e26Cb2F6C4ad037BDf1C6B269](https://lineascan.build/address/0x2f9bB73a8e98793e26Cb2F6C4ad037BDf1C6B269) |
| PoolAddressesProvider-linea             | [0xC44827C51d00381ed4C52646aeAB45b455d200eB](https://lineascan.build/address/0xC44827C51d00381ed4C52646aeAB45b455d200eB) |
| PoolAddressesProviderRegistry           | [0x5046c3c0d7a362709df433D5431D64973c7f08CB](https://lineascan.build/address/0x5046c3c0d7a362709df433D5431D64973c7f08CB) |
| PoolConfigurator-Implementation         | [0x78Ad3d53045b6582841e2a1a688C52Be2CA2A7a7](https://lineascan.build/address/0x78Ad3d53045b6582841e2a1a688C52Be2CA2A7a7) |
| PoolConfigurator-Proxy-linea            | [0xf17218B09699d0F7145e40E771e72130FF616498](https://lineascan.build/address/0xf17218B09699d0F7145e40E771e72130FF616498) |
| PoolDataProvider-linea                  | [0x67f93d36792c49a4493652B91ad4bD59f428AD15](https://lineascan.build/address/0x67f93d36792c49a4493652B91ad4bD59f428AD15) |
| ReservesSetupHelper                     | [0xb8634e0a320d0f4861062514a63B659E52A87E21](https://lineascan.build/address/0xb8634e0a320d0f4861062514a63B659E52A87E21) |
| ReserveStrategy-rateStrategyStableOne   | [0xaa999eA356F925BF1e856038c5D182Ae5E8A4973](https://lineascan.build/address/0xaa999eA356F925BF1e856038c5D182Ae5E8A4973) |
| ReserveStrategy-rateStrategyStableTwo   | [0xB7ED499e7570EE7691eeF4DF9D708d258DE2B512](https://lineascan.build/address/0xB7ED499e7570EE7691eeF4DF9D708d258DE2B512) |
| ReserveStrategy-rateStrategyVolatileOne | [0x0f9bfa294bE6e3CA8c39221Bb5DFB88032C8936E](https://lineascan.build/address/0x0f9bfa294bE6e3CA8c39221Bb5DFB88032C8936E) |
| StableDebtToken-linea                   | [0x859C2ca97EAd2742a0758bc9dD889e9D0e7e84E8](https://lineascan.build/address/0x859C2ca97EAd2742a0758bc9dD889e9D0e7e84E8) |
| Treasury-Controller                     | [0x59423CCeB710266520dB98034ff62dD1E2090E10](https://lineascan.build/address/0x59423CCeB710266520dB98034ff62dD1E2090E10) |
| Treasury-Implementation                 | [0xCcCf56e2b6Ad4C06Af8214781b77Cd98446377Bf](https://lineascan.build/address/0xCcCf56e2b6Ad4C06Af8214781b77Cd98446377Bf) |
| TreasuryProxy                           | [0x89fEc31daD373922879bd6279ccDc3666c5D1b7a](https://lineascan.build/address/0x89fEc31daD373922879bd6279ccDc3666c5D1b7a) |
| UiIncentiveDataProviderV3               | [0xCbDc0aeD7CDf2472784068abEf23a902CafABb98](https://lineascan.build/address/0xCbDc0aeD7CDf2472784068abEf23a902CafABb98) |
| UiPoolDataProviderV3                    | [0x81b3184A3B5d4612F2c26A53Da8D99474B91B2D2](https://lineascan.build/address/0x81b3184A3B5d4612F2c26A53Da8D99474B91B2D2) |
| VariableDebtToken-linea                 | [0x0a8058203387c15a711204908ed9efeD9f76e6A8](https://lineascan.build/address/0x0a8058203387c15a711204908ed9efeD9f76e6A8) |
| WalletBalanceProvider                   | [0xE05361EA51E20118072aec0fB0FD178e8b09D69e](https://lineascan.build/address/0xE05361EA51E20118072aec0fB0FD178e8b09D69e) |
| WrappedTokenGatewayV3                   | [0x5d50bE703836C330Fc2d147a631CDd7bb8D7171c](https://lineascan.build/address/0x5d50bE703836C330Fc2d147a631CDd7bb8D7171c) |
| {% endtab %}                            |                                                                                                                          |

{% tab title="ETH Mainnet" %}

| Contract Name                           | Wallet Address                                                                                                        |
| --------------------------------------- | --------------------------------------------------------------------------------------------------------------------- |
| AaveOracle-mainnet-lrt                  | [0x1cc993f2C8b6FbC43a9bafd2A44398E739733385](https://etherscan.io/address/0x1cc993f2C8b6FbC43a9bafd2A44398E739733385) |
| ACLManager-mainnet-lrt                  | [0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5](https://etherscan.io/address/0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5) |
| EmissionManager                         | [0x859C2ca97EAd2742a0758bc9dD889e9D0e7e84E8](https://etherscan.io/address/0x859C2ca97EAd2742a0758bc9dD889e9D0e7e84E8) |
| IncentivesProxy                         | [0x5be89bB10E2234204A2607765714916Ed95a73a2](https://etherscan.io/address/0x5be89bB10E2234204A2607765714916Ed95a73a2) |
| IncentivesV2-Implementation             | [0x854138f891FE0A86270f6F153A06fBfabF69E0Ad](https://etherscan.io/address/0x854138f891FE0A86270f6F153A06fBfabF69E0Ad) |
| ParaSwapLiquiditySwapAdapter            | [0x189cfdb4d7a08D926CA209D84a713c4c629645aF](https://etherscan.io/address/0x189cfdb4d7a08D926CA209D84a713c4c629645aF) |
| ParaSwapRepayAdapter                    | [0x80Ce5A187E477663fcFE99A108eefd9FBf0acC18](https://etherscan.io/address/0x80Ce5A187E477663fcFE99A108eefd9FBf0acC18) |
| Pool-Implementation                     | [0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385](https://etherscan.io/address/0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385) |
| Pool-Proxy-mainnet-lrt                  | [0x3BC3D34C32cc98bf098D832364Df8A222bBaB4c0](https://etherscan.io/address/0x3BC3D34C32cc98bf098D832364Df8A222bBaB4c0) |
| PoolAddressesProvider-mainnet-lrt       | [0xFD856E1a33225B86f70D686f9280435E3fF75FCF](https://etherscan.io/address/0xFD856E1a33225B86f70D686f9280435E3fF75FCF) |
| PoolAddressesProviderRegistry           | [0x7503A8823B523629E28587317901BA4C055791eb](https://etherscan.io/address/0x7503A8823B523629E28587317901BA4C055791eb) |
| PoolConfigurator-Implementation         | [0x9C6F1367256bE65eE744740c72aD80dA5bc96cA6](https://etherscan.io/address/0x9C6F1367256bE65eE744740c72aD80dA5bc96cA6) |
| PoolConfigurator-Proxy-mainnet-lrt      | [0x09EdC8F101897AA693932c1966725E05d6D68B5f](https://etherscan.io/address/0x09EdC8F101897AA693932c1966725E05d6D68B5f) |
| PoolDataProvider-mainnet-lrt            | [0x47223D4eA966a93b2cC96FFB4D42c22651FADFcf](https://etherscan.io/address/0x47223D4eA966a93b2cC96FFB4D42c22651FADFcf) |
| ReservesSetupHelper                     | [0xc58715D0046bD873CEdcc70fA3656EE2523e8011](https://etherscan.io/address/0xc58715D0046bD873CEdcc70fA3656EE2523e8011) |
| ReserveStrategy-rateStrategyStableOne   | [0x81b3184A3B5d4612F2c26A53Da8D99474B91B2D2](https://etherscan.io/address/0x81b3184A3B5d4612F2c26A53Da8D99474B91B2D2) |
| ReserveStrategy-rateStrategyStableTwo   | [0xa32Eb787F2A3DC1F2c2da0E5d8caE7Ff74E6fD32](https://etherscan.io/address/0xa32Eb787F2A3DC1F2c2da0E5d8caE7Ff74E6fD32) |
| ReserveStrategy-rateStrategyVolatileOne | [0xCbDc0aeD7CDf2472784068abEf23a902CafABb98](https://etherscan.io/address/0xCbDc0aeD7CDf2472784068abEf23a902CafABb98) |
| Treasury-Controller                     | [0x5300A1a15135EA4dc7aD5a167152C01EFc9b192A](https://etherscan.io/address/0x5300A1a15135EA4dc7aD5a167152C01EFc9b192A) |
| Treasury-Implementation                 | [0x80f2c02224a2E548FC67c0bF705eBFA825dd5439](https://etherscan.io/address/0x80f2c02224a2E548FC67c0bF705eBFA825dd5439) |
| TreasuryProxy                           | [0x464c71f6c2f760dda6093dcb91c24c39e5d6e18c](https://etherscan.io/address/0x464c71f6c2f760dda6093dcb91c24c39e5d6e18c) |
| UiIncentiveDataProviderV3               | [0x0A1198DDb5247a283F76077Bb1E45e5858ee100b](https://etherscan.io/address/0x0A1198DDb5247a283F76077Bb1E45e5858ee100b) |
| UiPoolDataProviderV3                    | [0xa6EA08D16d47feE408505fda73520EbefC68Ef01](https://etherscan.io/address/0xa6EA08D16d47feE408505fda73520EbefC68Ef01) |
| WalletBalanceProvider                   | [0xa1e6BcDab01B9d7De83647d1Bbd4113c6c2B4e0d](https://etherscan.io/address/0xa1e6BcDab01B9d7De83647d1Bbd4113c6c2B4e0d) |
| AToken-mainnet-lrt                      | [0xB7ED499e7570EE7691eeF4DF9D708d258DE2B512](https://etherscan.io/address/0xB7ED499e7570EE7691eeF4DF9D708d258DE2B512) |
| DelegationAwareAToken-mainnet-lrt       | [0x4Fcb7F18FA9255B52793dfd865d245bcec871468](https://etherscan.io/address/0x4Fcb7F18FA9255B52793dfd865d245bcec871468) |
| WrappedTokenGatewayV3                   | [0x6eA9d99c6653DF987bDEa11ffcd56DFB4B5d38b4](https://etherscan.io/address/0x6eA9d99c6653DF987bDEa11ffcd56DFB4B5d38b4) |
| StableDebtToken-mainnet-lrt             | [0xE230cF9Cee7b299F69778EF950A61de0dE520ba7](https://etherscan.io/address/0xE230cF9Cee7b299F69778EF950A61de0dE520ba7) |
| {% endtab %}                            |                                                                                                                       |

{% tab title="X Layer" %}

| Contract Name                           | Address                                                                                                                              |
| --------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------ |
| ACLManager-x-layer                      | [0x67f93d36792c49a4493652B91ad4bD59f428AD15](https://www.okx.com/explorer/xlayer/address/0x67f93d36792c49a4493652B91ad4bD59f428AD15) |
| AaveOracle-x-layer                      | [0x78Ad3d53045b6582841e2a1a688C52Be2CA2A7a7](https://www.okx.com/explorer/xlayer/address/0x78Ad3d53045b6582841e2a1a688C52Be2CA2A7a7) |
| EmissionManager                         | [0xb47d417F55080081c6Fad95C3A470fe98A97e603](https://www.okx.com/explorer/xlayer/address/0xb47d417F55080081c6Fad95C3A470fe98A97e603) |
| IncentivesProxy                         | [0x6d0BCD00b3ecd8Cd15729beDBC88Be60F4a75543](https://www.okx.com/explorer/xlayer/address/0x6d0BCD00b3ecd8Cd15729beDBC88Be60F4a75543) |
| IncentivesV2-Implementation             | [0x91900E4ae0c7e8bFf1b537B10f7AD093b9F9Ed85](https://www.okx.com/explorer/xlayer/address/0x91900E4ae0c7e8bFf1b537B10f7AD093b9F9Ed85) |
| Pool-Implementation                     | [0xAdC1eb4e8c72f03339638a7B43b2097FC1AFB6c8](https://www.okx.com/explorer/xlayer/address/0xAdC1eb4e8c72f03339638a7B43b2097FC1AFB6c8) |
| Pool-Proxy-x-layer                      | [0xfFd79D05D5dc37E221ed7d3971E75ed5930c6580](https://www.okx.com/explorer/xlayer/address/0xfFd79D05D5dc37E221ed7d3971E75ed5930c6580) |
| PoolAddressesProvider-x-layer           | [0x2f7e54ff5d45f77bFfa11f2aee67bD7621Eb8a93](https://www.okx.com/explorer/xlayer/address/0x2f7e54ff5d45f77bFfa11f2aee67bD7621Eb8a93) |
| PoolAddressesProviderRegistry           | [0xBBaEF34D75e15C5d04A078fc2634245842EABdc7](https://www.okx.com/explorer/xlayer/address/0xBBaEF34D75e15C5d04A078fc2634245842EABdc7) |
| PoolConfigurator-Implementation         | [0x817A4FEd0A801C060c8627756b2f21077e80AA26](https://www.okx.com/explorer/xlayer/address/0x817A4FEd0A801C060c8627756b2f21077e80AA26) |
| PoolConfigurator-Proxy-x-layer          | [0x92eb7A4000Bd4A9045aa8a9d633718f8058FC2a7](https://www.okx.com/explorer/xlayer/address/0x92eb7A4000Bd4A9045aa8a9d633718f8058FC2a7) |
| PoolDataProvider-x-layer                | [0x97e59722318F1324008484ACA9C343863792cBf6](https://www.okx.com/explorer/xlayer/address/0x97e59722318F1324008484ACA9C343863792cBf6) |
| PullRewardsTransferStrategy             | [0x3eEa9015825784f4DD4D550C6e5E7ec4F2B4a343](https://www.okx.com/explorer/xlayer/address/0x3eEa9015825784f4DD4D550C6e5E7ec4F2B4a343) |
| ReserveStrategy-rateStrategyStableOne   | [0x48a4984290e1C580D835d0d8f083E163224f6DD5](https://www.okx.com/explorer/xlayer/address/0x48a4984290e1C580D835d0d8f083E163224f6DD5) |
| ReserveStrategy-rateStrategyStableTwo   | [0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c](https://www.okx.com/explorer/xlayer/address/0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c) |
| ReserveStrategy-rateStrategyVolatileOne | [0xD2a2a567674E85Bedab9dcC402bCae6C4E0aaBb8](https://www.okx.com/explorer/xlayer/address/0xD2a2a567674E85Bedab9dcC402bCae6C4E0aaBb8) |
| ReservesSetupHelper                     | [0x504B99a601b2c963628FD2565dAd530aD3C2Cfd6](https://www.okx.com/explorer/xlayer/address/0x504B99a601b2c963628FD2565dAd530aD3C2Cfd6) |
| Treasury-Controller                     | [0x9698FdF843cbe4531610aC231B0047d9FFc13bC6](https://www.okx.com/explorer/xlayer/address/0x9698FdF843cbe4531610aC231B0047d9FFc13bC6) |
| Treasury-Implementation                 | [0x89fEc31daD373922879bd6279ccDc3666c5D1b7a](https://www.okx.com/explorer/xlayer/address/0x89fEc31daD373922879bd6279ccDc3666c5D1b7a) |
| TreasuryProxy                           | [0x15785C5D383Fa33339CF5D5720546C24313BC66D](https://www.okx.com/explorer/xlayer/address/0x15785C5D383Fa33339CF5D5720546C24313BC66D) |
| UiIncentiveDataProviderV3               | [0xB7ED499e7570EE7691eeF4DF9D708d258DE2B512](https://www.okx.com/explorer/xlayer/address/0xB7ED499e7570EE7691eeF4DF9D708d258DE2B512) |
| UiIncentiveDataProviderV4               | [0x33B13F46a25D836CC0ce91B370305902aB6CF1Be](https://www.okx.com/explorer/xlayer/address/0x33B13F46a25D836CC0ce91B370305902aB6CF1Be) |
| UiPoolDataProviderV3                    | [0xFaDFb0BC400427663020887e7c8073D03A35dc3c](https://www.okx.com/explorer/xlayer/address/0xFaDFb0BC400427663020887e7c8073D03A35dc3c) |
| WalletBalanceProvider                   | [0xaa999eA356F925BF1e856038c5D182Ae5E8A4973](https://www.okx.com/explorer/xlayer/address/0xaa999eA356F925BF1e856038c5D182Ae5E8A4973) |
| WrappedTokenGatewayV3                   | [0x0f9bfa294bE6e3CA8c39221Bb5DFB88032C8936E](https://www.okx.com/explorer/xlayer/address/0x0f9bfa294bE6e3CA8c39221Bb5DFB88032C8936E) |
| {% endtab %}                            |                                                                                                                                      |

{% tab title="Base" %}

| Contract Name                                        | Contract Name                                                                                                         |
| ---------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------- |
| AToken-base-mainnet                                  | [0xE230cF9Cee7b299F69778EF950A61de0dE520ba7](https://basescan.org/address/0xe230cf9cee7b299f69778ef950a61de0de520ba7) |
| ACLManager-base-mainnet                              | [0x1cc993f2C8b6FbC43a9bafd2A44398E739733385](https://basescan.org/address/0x1cc993f2C8b6FbC43a9bafd2A44398E739733385) |
| AaveOracle-base-mainnet                              | [0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c](https://basescan.org/address/0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c) |
| TreasuryProxy                                        | [0x6F5Ae60d89dbbc4EeD4B08d08A68dD5679Ac61B4](https://basescan.org/address/0x6F5Ae60d89dbbc4EeD4B08d08A68dD5679Ac61B4) |
| EmissionManager-base-mainnet                         | [0x0f9bfa294bE6e3CA8c39221Bb5DFB88032C8936E](https://basescan.org/address/0x0f9bfa294bE6e3CA8c39221Bb5DFB88032C8936E) |
| IncentivesProxy-base-mainnet                         | [0x73a7a4B40f3FE11e0BcaB5538c75D3B984082CAE](https://basescan.org/address/0x73a7a4B40f3FE11e0BcaB5538c75D3B984082CAE) |
| IncentivesV2-Implementation                          | [0xaa999eA356F925BF1e856038c5D182Ae5E8A4973](https://basescan.org/address/0xaa999eA356F925BF1e856038c5D182Ae5E8A4973) |
| ReserveStrategy-rateStrategyStableOne-base-mainnet   | [0x65fc5280E838751eDafB6f171391FE0AC5C1d05a](https://basescan.org/address/0x65fc5280E838751eDafB6f171391FE0AC5C1d05a) |
| ReserveStrategy-rateStrategyStableTwo-base-mainnet   | [0x795B70FD08A538598E19a927f5400FEbFaEb92C7](https://basescan.org/address/0x795B70FD08A538598E19a927f5400FEbFaEb92C7) |
| ReserveStrategy-rateStrategyVolatileOne-base-mainnet | [0xa32Eb787F2A3DC1F2c2da0E5d8caE7Ff74E6fD32](https://basescan.org/address/0xa32Eb787F2A3DC1F2c2da0E5d8caE7Ff74E6fD32) |
| ReservesSetupHelper-base-mainnet                     | [0xcC8a5B5010C8A3832ecd2763E5b0e17811fBBD26](https://basescan.org/address/0xcC8a5B5010C8A3832ecd2763E5b0e17811fBBD26) |
| StableDebtToken-base-mainnet                         | [0x5d50bE703836C330Fc2d147a631CDd7bb8D7171c](https://basescan.org/address/0x5d50bE703836C330Fc2d147a631CDd7bb8D7171c) |
| Pool-Implementation-base-mainnet                     | [0x80102a3cbAcADa39560555340e1bC567B83C3A80](https://basescan.org/address/0x80102a3cbAcADa39560555340e1bC567B83C3A80) |
| Pool-Proxy-base-mainnet                              | [0x766f21277087E18967c1b10bF602d8Fe56d0c671](https://basescan.org/address/0x766f21277087E18967c1b10bF602d8Fe56d0c671) |
| PoolAddressesProvider-base-mainnet                   | [0x5213ab3997a596c75Ac6ebF81f8aEb9cf9A31007](https://basescan.org/address/0x5213ab3997a596c75Ac6ebF81f8aEb9cf9A31007) |
| PoolConfigurator-Implementation                      | [0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5](https://basescan.org/address/0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5) |
| PoolConfigurator-Proxy-base-mainnet                  | [0xB40e21D5cD8E9E192B0da3107883f8b0f4e4e6E3](https://basescan.org/address/0xB40e21D5cD8E9E192B0da3107883f8b0f4e4e6E3) |
| PoolDataProvider-base-mainnet                        | [0xA754b2f1535287957933db6e2AEE2b2FE6f38588](https://basescan.org/address/0xA754b2f1535287957933db6e2AEE2b2FE6f38588) |
| WalletBalanceProvider-base-mainnet                   | [0x6eA9d99c6653DF987bDEa11ffcd56DFB4B5d38b4](https://basescan.org/address/0x6eA9d99c6653DF987bDEa11ffcd56DFB4B5d38b4) |
| WrappedGateway-base-mainnet                          | [0x11CCDcFb19151FEb086ee6F1f62bfA0940C85612](https://basescan.org/address/0x11CCDcFb19151FEb086ee6F1f62bfA0940C85612) |
| UiIncentiveDataProviderV3-base-mainnet               | [0xa1e6BcDab01B9d7De83647d1Bbd4113c6c2B4e0d](https://basescan.org/address/0xa1e6BcDab01B9d7De83647d1Bbd4113c6c2B4e0d) |
| UiPoolDataProviderV3-base-mainnet                    | [0x0A1198DDb5247a283F76077Bb1E45e5858ee100b](https://basescan.org/address/0x0A1198DDb5247a283F76077Bb1E45e5858ee100b) |
| VariableDebtToken-base-mainnet                       | [0xCbDc0aeD7CDf2472784068abEf23a902CafABb98](https://basescan.org/address/0xCbDc0aeD7CDf2472784068abEf23a902CafABb98) |
| {% endtab %}                                         |                                                                                                                       |

{% tab title="RWA" %}

| Contract Name         | Address                                                                                                                                                   |
| --------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Pool address provider | [0xe3c3c5ead58fc2bed4e577e38985b8f7f1ddff00](https://etherscan.io/address/0xe3c3c5ead58fc2bed4e577e38985b8f7f1ddff00)                                     |
| Rewards Controller    | [0xbc2FDC58E3E06D265B46E32771442b7f5098725b#readProxyContract](https://etherscan.io/address/0xbc2FDC58E3E06D265B46E32771442b7f5098725b#readProxyContract) |
| {% endtab %}          |                                                                                                                                                           |

{% tab title="Corn" %}

| Contract Name                                        | Contract Address                                                                                                     |
| ---------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------- |
| ACLManager-corn-mainnet                              | [0x817A4FEd0A801C060c8627756b2f21077e80AA26](https://cornscan.io/address/0x817A4FEd0A801C060c8627756b2f21077e80AA26) |
| AToken-corn-mainnet                                  | [0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385](https://cornscan.io/token/0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385)   |
| AaveOracle-corn-mainnet                              | [0x67f93d36792c49a4493652B91ad4bD59f428AD15](https://cornscan.io/address/0x67f93d36792c49a4493652B91ad4bD59f428AD15) |
| EmissionManager-corn-mainnet                         | [0xb8634e0a320d0f4861062514a63B659E52A87E21](https://cornscan.io/address/0xb8634e0a320d0f4861062514a63B659E52A87E21) |
| Faucet-corn-mainnet                                  | [0x89fEc31daD373922879bd6279ccDc3666c5D1b7a](https://cornscan.io/address/0x89fEc31daD373922879bd6279ccDc3666c5D1b7a) |
| IncentivesProxy-corn-mainnet                         | [0xd9f43fa0ff772b806cbcDd36d0B264fCAd46d677](https://cornscan.io/address/0xd9f43fa0ff772b806cbcDd36d0B264fCAd46d677) |
| IncentivesV2-Implementation                          | [0x86B07C01b10545c7e093521cdeacf90D909db5a1](https://cornscan.io/address/0x86B07C01b10545c7e093521cdeacf90D909db5a1) |
| Pool-Implementation-corn-mainnet                     | [0xc6DF4ddDBFaCb866e78Dcc01b813A41C15A08C10](https://cornscan.io/address/0xc6DF4ddDBFaCb866e78Dcc01b813A41C15A08C10) |
| Pool-Proxy-corn-mainnet                              | [0x927b3A8e5068840C9758b0b88207b28aeeb7a3fd](https://cornscan.io/address/0x927b3A8e5068840C9758b0b88207b28aeeb7a3fd) |
| PoolAddressesProvider-corn-mainnet                   | [0x59423CCeB710266520dB98034ff62dD1E2090E10](https://cornscan.io/address/0x59423CCeB710266520dB98034ff62dD1E2090E10) |
| PoolConfigurator-Implementation                      | [0x97e59722318F1324008484ACA9C343863792cBf6](https://cornscan.io/address/0x97e59722318F1324008484ACA9C343863792cBf6) |
| PoolConfigurator-Proxy-corn-mainnet                  | [0x7E482A856AE4a8270B8CB0726d84441963eAef88](https://cornscan.io/address/0x7E482A856AE4a8270B8CB0726d84441963eAef88) |
| PoolDataProvider-corn-mainnet                        | [0x2f7e54ff5d45f77bFfa11f2aee67bD7621Eb8a93](https://cornscan.io/address/0x2f7e54ff5d45f77bFfa11f2aee67bD7621Eb8a93) |
| ReserveStrategy-rateStrategyStableOne-corn-mainnet   | [0x6e9d0cE24d14fB1750Ba0369e300413B230CA947](https://cornscan.io/address/0x6e9d0cE24d14fB1750Ba0369e300413B230CA947) |
| ReserveStrategy-rateStrategyStableTwo-corn-mainnet   | [0xcC8a5B5010C8A3832ecd2763E5b0e17811fBBD26](https://cornscan.io/address/0xcC8a5B5010C8A3832ecd2763E5b0e17811fBBD26) |
| ReserveStrategy-rateStrategyVolatileOne-corn-mainnet | [0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5](https://cornscan.io/address/0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5) |
| ReservesSetupHelper-corn-mainnet                     | [0xAdC1eb4e8c72f03339638a7B43b2097FC1AFB6c8](https://cornscan.io/address/0xAdC1eb4e8c72f03339638a7B43b2097FC1AFB6c8) |
| StableDebtToken-corn-mainnet                         | [0x9C6F1367256bE65eE744740c72aD80dA5bc96cA6](https://cornscan.io/address/0x9C6F1367256bE65eE744740c72aD80dA5bc96cA6) |
| Treasury-Controller                                  | [0xC3B6dDc1c9876a922754f1d01D18893C7956A74D](https://cornscan.io/address/0xC3B6dDc1c9876a922754f1d01D18893C7956A74D) |
| Treasury-Implementation                              | [0x9660b39d0e38BE0f7E09cc6C516bd335746262ee](https://cornscan.io/address/0x9660b39d0e38BE0f7E09cc6C516bd335746262ee) |
| TreasuryProxy                                        | [0xb0B0B1D3c0F9823C13D4e0481e86387BaFF452A2](https://cornscan.io/address/0xb0B0B1D3c0F9823C13D4e0481e86387BaFF452A2) |
| UiIncentiveDataProviderV3-corn-mainnet               | [0x2e43BC528F422fa9c7FFD25799B7424f8D5b1e67](https://cornscan.io/address/0x2e43BC528F422fa9c7FFD25799B7424f8D5b1e67) |
| UiPoolDataProviderV3-corn-mainnet                    | [0x859C2ca97EAd2742a0758bc9dD889e9D0e7e84E8](https://cornscan.io/address/0x859C2ca97EAd2742a0758bc9dD889e9D0e7e84E8) |
| VariableDebtToken-corn-mainnet                       | [0xc58715D0046bD873CEdcc70fA3656EE2523e8011](https://cornscan.io/address/0xc58715D0046bD873CEdcc70fA3656EE2523e8011) |
| WalletBalanceProvider-corn-mainnet                   | [0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c](https://cornscan.io/address/0xF49Ee3EA9C56D90627881d88004aaBDFc44Fd82c) |
| WrappedGateway-corn-mainnet                          | [0x0E4E529D61f977674bB86f10b9Da80Ce037D9013](https://cornscan.io/address/0x0E4E529D61f977674bB86f10b9Da80Ce037D9013) |
| {% endtab %}                                         |                                                                                                                      |

{% tab title="Berachain" %}

| Contract Name                                             | Address                                                                                                               |
| --------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------- |
| AaveOracle-berachain-mainnet                              | [0xA249579e05fC7E66B1dbC939AB9A81C1acB1933b](https://berascan.com/address/0xA249579e05fC7E66B1dbC939AB9A81C1acB1933b) |
| ACLManager-berachain-mainnet                              | [0xAB11E33C444cFCbc2f4826C2be2E5590722D87ff](https://berascan.com/address/0xAB11E33C444cFCbc2f4826C2be2E5590722D87ff) |
| AToken-berachain-mainnet                                  | [0x3dB28e471fa398bf2527135A1C559665941eE7a3](https://berascan.com/address/0x3dB28e471fa398bf2527135A1C559665941eE7a3) |
| EmissionManager-berachain-mainnet                         | [0xc34bA8158Ad45ab989c5Cb0aaE3d3EFc9246f0d5](https://berascan.com/address/0xc34bA8158Ad45ab989c5Cb0aaE3d3EFc9246f0d5) |
| IncentivesProxy-berachain-mainnet                         | [0xB3f2B69aC1755f6083B2f0a34D76e56bC7607c83](https://berascan.com/address/0xB3f2B69aC1755f6083B2f0a34D76e56bC7607c83) |
| IncentivesV2-Implementation                               | [0xaCD46d568a88676b1aC05457228eb242e7dd8402](https://berascan.com/address/0xaCD46d568a88676b1aC05457228eb242e7dd8402) |
| Pool-Implementation-berachain-mainnet                     | [0x642CE49f36f74FCC430ff79A76EB984737A7672d](https://berascan.com/address/0x642CE49f36f74FCC430ff79A76EB984737A7672d) |
| Pool-Proxy-berachain-mainnet                              | [0xE96Feed449e1E5442937812f97dB63874Cd7aB84](https://berascan.com/address/0xE96Feed449e1E5442937812f97dB63874Cd7aB84) |
| PoolAddressesProvider-berachain-mainnet                   | [0x33B13F46a25D836CC0ce91B370305902aB6CF1Be](https://berascan.com/address/0x33B13F46a25D836CC0ce91B370305902aB6CF1Be) |
| PoolConfigurator-Implementation                           | [0x2ACc2b9FC1123AB649895c9e825260f31348732B](https://berascan.com/address/0x2ACc2b9FC1123AB649895c9e825260f31348732B) |
| PoolConfigurator-Proxy-berachain-mainnet                  | [0x148C5E21A4FDc814ad831FbAbBdca62418EEEeC9](https://berascan.com/address/0x148C5E21A4FDc814ad831FbAbBdca62418EEEeC9) |
| AaveProtocolDataProvider-berachain-mainnet                | [0x26416E170aDb35B0d23800602cf98853dBDeB74F](https://berascan.com/address/0x26416E170aDb35B0d23800602cf98853dBDeB74F) |
| ReservesSetupHelper-berachain-mainnet                     | [0xb023823185c1C78F618bEf2671F7E235CcC6AD72](https://berascan.com/address/0xb023823185c1C78F618bEf2671F7E235CcC6AD72) |
| ReserveStrategy-rateStrategyStableOne-berachain-mainnet   | [0x19a3975D52fF04389aBA3fF4507ef12c06F67E6A](https://berascan.com/address/0x19a3975D52fF04389aBA3fF4507ef12c06F67E6A) |
| ReserveStrategy-rateStrategyStableTwo-berachain-mainnet   | [0x4b752c999760cE2d8cC8eb0b996f2CBAC76dD2FE](https://berascan.com/address/0x4b752c999760cE2d8cC8eb0b996f2CBAC76dD2FE) |
| ReserveStrategy-rateStrategyVolatileOne-berachain-mainnet | [0xCa428af6b25956889cdAefd55631dCd380D32A23](https://berascan.com/address/0xCa428af6b25956889cdAefd55631dCd380D32A23) |
| StableDebtToken-berachain-mainnet                         | [0x30835D74a15bE0e23bcF8f4A16563aC19d6EDa84](https://berascan.com/address/0x30835D74a15bE0e23bcF8f4A16563aC19d6EDa84) |
| Treasury-Controller                                       | [0xDc4F0a346C5a8aA3532AE5efDeEEA9AFD0592f89](https://berascan.com/address/0xDc4F0a346C5a8aA3532AE5efDeEEA9AFD0592f89) |
| Treasury-Implementation                                   | [0xb0990BD132DBB391205702F8CABe76D76fd2E197](https://berascan.com/address/0xb0990BD132DBB391205702F8CABe76D76fd2E197) |
| TreasuryProxy                                             | [0x26F2232cd83E5fC6789f2A1D36274753d161523a](https://berascan.com/address/0x26F2232cd83E5fC6789f2A1D36274753d161523a) |
| UiIncentiveDataProviderV3-berachain-mainnet               | [0x42cd5135b8e04eD2ea29b841a7DE11788d64BC2c](https://berascan.com/address/0x42cd5135b8e04eD2ea29b841a7DE11788d64BC2c) |
| UiPoolDataProviderV3-berachain-mainnet                    | [0xb518f444E19446E1A3c5225A5233B908941f8be4](https://berascan.com/address/0xb518f444E19446E1A3c5225A5233B908941f8be4) |
| VariableDebtToken-berachain-mainnet                       | [0x4B0a70b18C72eA56065d2eb8b483c11d1e8a5Bcb](https://berascan.com/address/0x4B0a70b18C72eA56065d2eb8b483c11d1e8a5Bcb) |
| WalletBalanceProvider-berachain-mainnet                   | [0x7f264249bB77F6543EeEEDd2d7F44aa01301777D](https://berascan.com/address/0x7f264249bB77F6543EeEEDd2d7F44aa01301777D) |
| WrappedGateway-berachain-mainnet                          | [0x411E975148DF0A06775caE46b829e07E15E076dD](https://berascan.com/address/0x411E975148DF0A06775caE46b829e07E15E076dD) |

{% endtab %}

{% tab title="Abstract" %}

| Contract Name                           | Address                                                                                                                           |
| --------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------- |
| AaveOracle-AbstractMainnet              | [0xFf2D78CB0db41a99863B05A16457D6316C405ddf](https://explorer.testnet.abs.xyz/address/0xFf2D78CB0db41a99863B05A16457D6316C405ddf) |
| ACLManager-AbstractMainnet              | [0x64E485863A66e2514454Bdfb5cFc2EA27fA23B48](https://explorer.testnet.abs.xyz/address/0x64E485863A66e2514454Bdfb5cFc2EA27fA23B48) |
| AToken-AbstractMainnet                  | [0xcb0c092ED13380cF90B9a88AF5607Ea6e339BC2C](https://explorer.testnet.abs.xyz/address/0xcb0c092ED13380cF90B9a88AF5607Ea6e339BC2C) |
| DelegationAwareAToken-AbstractMainnet   | [0x6e15c73F7a103296c055ECfB7e60E253b0339Bb6](https://explorer.testnet.abs.xyz/address/0x6e15c73F7a103296c055ECfB7e60E253b0339Bb6) |
| EmissionManager                         | [0xE7c422737B677a5F713F4c381b533a20A37FF630](https://explorer.testnet.abs.xyz/address/0xE7c422737B677a5F713F4c381b533a20A37FF630) |
| IncentivesProxy                         | [0xFec95196E0ec9FeCF3332D670Bb1b222A0143C62](https://explorer.testnet.abs.xyz/address/0xFec95196E0ec9FeCF3332D670Bb1b222A0143C62) |
| IncentivesV2-Implementation             | [0xA6321AD31AD7Bca836959ED3a91916dfB49aC3Fd](https://explorer.testnet.abs.xyz/address/0xA6321AD31AD7Bca836959ED3a91916dfB49aC3Fd) |
| Pool-Implementation                     | [0xFC1ef22b9458F112Ef4EB6BF1c537776f0341185](https://explorer.testnet.abs.xyz/address/0xFC1ef22b9458F112Ef4EB6BF1c537776f0341185) |
| Pool-Proxy-AbstractMainnet              | [0x7C4baE19949D77B7259Dc4A898e64DC5c2d10b02](https://explorer.testnet.abs.xyz/address/0x7C4baE19949D77B7259Dc4A898e64DC5c2d10b02) |
| PoolAddressesProvider-AbstractMainnet   | [0xde15Bc7060Eb299674D652f48b76BA18c1179028](https://explorer.testnet.abs.xyz/address/0xde15Bc7060Eb299674D652f48b76BA18c1179028) |
| PoolAddressesProviderRegistry           | [0x97F06FB189FF88d6e096d35362d3497f8AA1150d](https://explorer.testnet.abs.xyz/address/0x97F06FB189FF88d6e096d35362d3497f8AA1150d) |
| PoolConfigurator-Implementation         | [0x77343dc72625afE91eB5D388A886AEe77A4a7Ac7](https://explorer.testnet.abs.xyz/address/0x77343dc72625afE91eB5D388A886AEe77A4a7Ac7) |
| PoolConfigurator-Proxy-AbstractMainnet  | [0x3A857696A4b6D7C31D1F810996c0110198De388c](https://explorer.testnet.abs.xyz/address/0x3A857696A4b6D7C31D1F810996c0110198De388c) |
| PoolDataProvider-AbstractMainnet        | [0x8EEAE4dD40EBee7Bb6471c47d4d867539CF53ccF](https://explorer.testnet.abs.xyz/address/0x8EEAE4dD40EBee7Bb6471c47d4d867539CF53ccF) |
| PullRewardsTransferStrategy             | [0xc9815C1dd4CaAa873A285C26bAB939d0ADC213D5](https://explorer.testnet.abs.xyz/address/0xc9815C1dd4CaAa873A285C26bAB939d0ADC213D5) |
| ReservesSetupHelper                     | [0x66a99EE1cAeb774a8bCECa67D069A39E5cA4Ce52](https://explorer.testnet.abs.xyz/address/0x66a99EE1cAeb774a8bCECa67D069A39E5cA4Ce52) |
| ReserveStrategy-rateStrategyStableOne   | [0x603C0df8F04E8a12D4e503Cd1E46bb4145B66758](https://explorer.testnet.abs.xyz/address/0x603C0df8F04E8a12D4e503Cd1E46bb4145B66758) |
| ReserveStrategy-rateStrategyStableTwo   | [0xF6E5596228C4DEe3dE12ca88dbF4Ce1666a8cdE1](https://explorer.testnet.abs.xyz/address/0xF6E5596228C4DEe3dE12ca88dbF4Ce1666a8cdE1) |
| ReserveStrategy-rateStrategyVolatileOne | [0xbB17e5471c7056B3a63521CfAaee578158E8c5c4](https://explorer.testnet.abs.xyz/address/0xbB17e5471c7056B3a63521CfAaee578158E8c5c4) |
| StableDebtToken-AbstractMainnet         | [0xb93ECa66305fA3ec7EB6944f464ff5cbBa6C3c2b](https://explorer.testnet.abs.xyz/address/0xb93ECa66305fA3ec7EB6944f464ff5cbBa6C3c2b) |
| Treasury-Controller                     | [0xAeBb0F7f5c4C3E1819C9F982BB3561332EEC8632](https://explorer.testnet.abs.xyz/address/0xAeBb0F7f5c4C3E1819C9F982BB3561332EEC8632) |
| Treasury-Implementation                 | [0x933fd3F9F2d4a40d8B7EaF3F8D235B8E2ACa0aE1](https://explorer.testnet.abs.xyz/address/0x933fd3F9F2d4a40d8B7EaF3F8D235B8E2ACa0aE1) |
| TreasuryProxy                           | [0xb9AA3A426920E2CCa274414969C3C66Df6538541](https://explorer.testnet.abs.xyz/address/0xb9AA3A426920E2CCa274414969C3C66Df6538541) |
| UiIncentiveDataProviderV3               | [0x7AA9B563c1eC0aeaA900e6483FD01eEC4aCb2BCb](https://explorer.testnet.abs.xyz/address/0x7AA9B563c1eC0aeaA900e6483FD01eEC4aCb2BCb) |
| UiPoolDataProviderV3                    | [0xAD6CA4eFab43c51f0bDd09c2dBBAa321FD0E5d37](https://explorer.testnet.abs.xyz/address/0xAD6CA4eFab43c51f0bDd09c2dBBAa321FD0E5d37) |
| VariableDebtToken-AbstractMainnet       | [0x4B2C68975CC24930ceC401D1C5C6cb72f49bc433](https://explorer.testnet.abs.xyz/address/0x4B2C68975CC24930ceC401D1C5C6cb72f49bc433) |
| WalletBalanceProvider                   | [0xE67DCeeb392A5d3A8E205c2666d347B474291956](https://explorer.testnet.abs.xyz/address/0xE67DCeeb392A5d3A8E205c2666d347B474291956) |
| WrappedTokenGatewayV3                   | [0x2F6F0a4c07146B2AdF5c36951B130A52aeF284d7](https://explorer.testnet.abs.xyz/address/0x2F6F0a4c07146B2AdF5c36951B130A52aeF284d7) |
| {% endtab %}                            |                                                                                                                                   |

{% tab title="Hemi" %}

| Contract Name                                        | Address                                                                                                                    |
| ---------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------- |
| AaveOracle-hemi-mainnet                              | [0x817A4FEd0A801C060c8627756b2f21077e80AA26](https://explorer.hemi.xyz/address/0x817A4FEd0A801C060c8627756b2f21077e80AA26) |
| ACLManager-hemi-mainnet                              | [0x97e59722318F1324008484ACA9C343863792cBf6](https://explorer.hemi.xyz/address/0x97e59722318F1324008484ACA9C343863792cBf6) |
| AToken-hemi-mainnet                                  | [0xb2178109A414C3a869E5104283Fcf1a18923D0B8](https://explorer.hemi.xyz/address/0xb2178109A414C3a869E5104283Fcf1a18923D0B8) |
| EmissionManager-hemi-mainnet                         | [0x8676e39B5D2f0d6E0d78a4208a0cCBc50504972e](https://explorer.hemi.xyz/address/0x8676e39B5D2f0d6E0d78a4208a0cCBc50504972e) |
| IncentivesProxy-hemi-mainnet                         | [0xd22E65b84279b4CCEfb1d358f1f768303002604f](https://explorer.hemi.xyz/address/0xd22E65b84279b4CCEfb1d358f1f768303002604f) |
| IncentivesV2-Implementation                          | [0xBE0ab675a478A759ECA580f0D6c9d399085547D8](https://explorer.hemi.xyz/address/0xBE0ab675a478A759ECA580f0D6c9d399085547D8) |
| Pool-Proxy-hemi-mainnet                              | [0xdB7e029394a7cdbE27aBdAAf4D15e78baC34d6E8](https://explorer.hemi.xyz/address/0xdB7e029394a7cdbE27aBdAAf4D15e78baC34d6E8) |
| PoolAddressesProvider-hemi-mainnet                   | [0x9660b39d0e38BE0f7E09cc6C516bd335746262ee](https://explorer.hemi.xyz/address/0x9660b39d0e38BE0f7E09cc6C516bd335746262ee) |
| PoolConfigurator-Implementation                      | [0xCcCf56e2b6Ad4C06Af8214781b77Cd98446377Bf](https://explorer.hemi.xyz/address/0xCcCf56e2b6Ad4C06Af8214781b77Cd98446377Bf) |
| PoolConfigurator-Proxy-hemi-mainnet                  | [0x36bCDEdd4Eb46A5169F25af457582afA0584EDd9](https://explorer.hemi.xyz/address/0x36bCDEdd4Eb46A5169F25af457582afA0584EDd9) |
| PoolDataProvider-hemi-mainnet                        | [0x9698FdF843cbe4531610aC231B0047d9FFc13bC6](https://explorer.hemi.xyz/address/0x9698FdF843cbe4531610aC231B0047d9FFc13bC6) |
| ReservesSetupHelper-hemi-mainnet                     | [0xb0811a1FC9Fb9972ee683Ba04c32Cb828Bcf587B](https://explorer.hemi.xyz/address/0xb0811a1FC9Fb9972ee683Ba04c32Cb828Bcf587B) |
| ReserveStrategy-rateStrategyStableOne-hemi-mainnet   | [0xA754b2f1535287957933db6e2AEE2b2FE6f38588](https://explorer.hemi.xyz/address/0xA754b2f1535287957933db6e2AEE2b2FE6f38588) |
| ReserveStrategy-rateStrategyStableTwo-hemi-mainnet   | [0xc58715D0046bD873CEdcc70fA3656EE2523e8011](https://explorer.hemi.xyz/address/0xc58715D0046bD873CEdcc70fA3656EE2523e8011) |
| ReserveStrategy-rateStrategyVolatileOne-hemi-mainnet | [0x9C6F1367256bE65eE744740c72aD80dA5bc96cA6](https://explorer.hemi.xyz/address/0x9C6F1367256bE65eE744740c72aD80dA5bc96cA6) |
| StableDebtToken-hemi-mainnet                         | [0xb47d417F55080081c6Fad95C3A470fe98A97e603](https://explorer.hemi.xyz/address/0xb47d417F55080081c6Fad95C3A470fe98A97e603) |
| UiIncentiveDataProviderV3-hemi-mainnet               | [0x48a4984290e1C580D835d0d8f083E163224f6DD5](https://explorer.hemi.xyz/address/0x48a4984290e1C580D835d0d8f083E163224f6DD5) |
| UiPoolDataProviderV3-hemi-mainnet                    | [0x2e43BC528F422fa9c7FFD25799B7424f8D5b1e67](https://explorer.hemi.xyz/address/0x2e43BC528F422fa9c7FFD25799B7424f8D5b1e67) |
| VariableDebtToken-hemi-mainnet                       | [0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385](https://explorer.hemi.xyz/address/0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385) |
| WalletBalanceProvider-hemi-mainnet                   | [0xD2a2a567674E85Bedab9dcC402bCae6C4E0aaBb8](https://explorer.hemi.xyz/address/0xD2a2a567674E85Bedab9dcC402bCae6C4E0aaBb8) |
| WrappedGateway-hemi-mainnet                          | [0xc682D4e0cdde04fE003cF7283a51755a818ef5C8](https://explorer.hemi.xyz/address/0xc682D4e0cdde04fE003cF7283a51755a818ef5C8) |
| {% endtab %}                                         |                                                                                                                            |

{% tab title="Zircuit" %}

| Contract Name                             | Contract Address                                                                                                              |
| ----------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------- |
| ACLManager-zircuit-mainnet                | [0xc682D4e0cdde04fE003cF7283a51755a818ef5C8](https://explorer.zircuit.com/address/0xc682D4e0cdde04fE003cF7283a51755a818ef5C8) |
| AToken-zircuit-mainnet                    | [0xc77518B87d04d08b551F0e26DC6126eB3A0f5F37](https://explorer.zircuit.com/address/0xc77518B87d04d08b551F0e26DC6126eB3A0f5F37) |
| AaveOracle-zircuit-mainnet                | [0x2e43BC528F422fa9c7FFD25799B7424f8D5b1e67](https://explorer.zircuit.com/address/0x2e43BC528F422fa9c7FFD25799B7424f8D5b1e67) |
| DelegationAwareAToken-zircuit-mainnet     | [0xE05361EA51E20118072aec0fB0FD178e8b09D69e](https://explorer.zircuit.com/address/0xE05361EA51E20118072aec0fB0FD178e8b09D69e) |
| EmissionManager-zircuit-mainnet           | [0xaa999eA356F925BF1e856038c5D182Ae5E8A4973](https://explorer.zircuit.com/address/0xaa999eA356F925BF1e856038c5D182Ae5E8A4973) |
| IncentivesProxy-zircuit-mainnet           | [0xB0dE506215C35057f362456FeAFb3694b3E791D0](https://explorer.zircuit.com/address/0xB0dE506215C35057f362456FeAFb3694b3E791D0) |
| IncentivesV2-Implementation               | [0xB7ED499e7570EE7691eeF4DF9D708d258DE2B512](https://explorer.zircuit.com/address/0xB7ED499e7570EE7691eeF4DF9D708d258DE2B512) |
| Pool-Implementation                       | [0x80102a3cbAcADa39560555340e1bC567B83C3A80](https://explorer.zircuit.com/address/0x80102a3cbAcADa39560555340e1bC567B83C3A80) |
| Pool-Proxy-zircuit-mainnet                | [0x2774C8B95CaB474D0d21943d83b9322Fb1cE9cF5](https://explorer.zircuit.com/address/0x2774C8B95CaB474D0d21943d83b9322Fb1cE9cF5) |
| PoolAddressesProvider-zircuit-mainnet     | [0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385](https://explorer.zircuit.com/address/0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385) |
| PoolConfigurator-Implementation           | [0x6e9d0cE24d14fB1750Ba0369e300413B230CA947](https://explorer.zircuit.com/address/0x6e9d0cE24d14fB1750Ba0369e300413B230CA947) |
| PoolConfigurator-Proxy-zircuit-mainnet    | [0xeE84609d4D29cB559EdaE75855734d4e691a7Bc5](https://explorer.zircuit.com/address/0xeE84609d4D29cB559EdaE75855734d4e691a7Bc5) |
| PoolDataProvider-zircuit-mainnet          | [0xA754b2f1535287957933db6e2AEE2b2FE6f38588](https://explorer.zircuit.com/address/0xeE84609d4D29cB559EdaE75855734d4e691a7Bc5) |
| ReserveStrategy-rateStrategyStableOne     | [0x47223D4eA966a93b2cC96FFB4D42c22651FADFcf](https://explorer.zircuit.com/address/0x47223D4eA966a93b2cC96FFB4D42c22651FADFcf) |
| ReserveStrategy-rateStrategyStableTwo     | [0x72f7566116211Cd4940cB3452Df208C23297425A](https://explorer.zircuit.com/address/0x72f7566116211Cd4940cB3452Df208C23297425A) |
| ReserveStrategy-rateStrategyVolatileOne   | [0x429b2C12eA2a718AE5fC61f3Ad4A84D83704EB5b](https://explorer.zircuit.com/address/0x429b2C12eA2a718AE5fC61f3Ad4A84D83704EB5b) |
| ReservesSetupHelper-zircuit-mainnet       | [0x1518b71dEd8E82c40C63f65Ea8a5486a7acCc272](https://explorer.zircuit.com/address/0x1518b71dEd8E82c40C63f65Ea8a5486a7acCc272) |
| StableDebtToken-zircuit-mainnet           | [0x81b3184A3B5d4612F2c26A53Da8D99474B91B2D2](https://explorer.zircuit.com/address/0x81b3184A3B5d4612F2c26A53Da8D99474B91B2D2) |
| TreasuryProxy                             | [0x4208d11fEE26d32CF53a538080d0C1D8F1481b3A](https://explorer.zircuit.com/address/0x4208d11fEE26d32CF53a538080d0C1D8F1481b3A) |
| UiIncentiveDataProviderV3-zircuit-mainnet | [0xa6EA08D16d47feE408505fda73520EbefC68Ef01](https://explorer.zircuit.com/address/0xa6EA08D16d47feE408505fda73520EbefC68Ef01) |
| UiPoolDataProviderV3-zircuit-mainnet      | [0x189cfdb4d7a08D926CA209D84a713c4c629645aF](https://explorer.zircuit.com/address/0x189cfdb4d7a08D926CA209D84a713c4c629645aF) |
| VariableDebtToken-zircuit-mainnet         | [0x65fc5280E838751eDafB6f171391FE0AC5C1d05a](https://explorer.zircuit.com/address/0x65fc5280E838751eDafB6f171391FE0AC5C1d05a) |
| WalletBalanceProvider-zircuit-mainnet     | [0xa1e6BcDab01B9d7De83647d1Bbd4113c6c2B4e0d](https://explorer.zircuit.com/address/0xa1e6BcDab01B9d7De83647d1Bbd4113c6c2B4e0d) |
| WrappedTokenGatewayV3                     | [0x6eA9d99c6653DF987bDEa11ffcd56DFB4B5d38b4](https://explorer.zircuit.com/address/0x6eA9d99c6653DF987bDEa11ffcd56DFB4B5d38b4) |
| {% endtab %}                              |                                                                                                                               |
| {% endtabs %}                             |                                                                                                                               |

## Libraries

Libraries are where most of our lending pool's business logic exists.

{% tabs %}
{% tab title="zkSync" %}

| Contract Name     | Address                                                                                                                              |
| ----------------- | ------------------------------------------------------------------------------------------------------------------------------------ |
| BridgeLogic       | [0x6CDe8a8cEE9771A30dE4fEAB8eaccb58cb0d30aF](https://era.zksync.network/address/0x6CDe8a8cEE9771A30dE4fEAB8eaccb58cb0d30aF#contract) |
| ConfiguratorLogic | [0x8731d4E5b990025143609F4A40eC80Fb482E46A0](https://era.zksync.network/address/0x8731d4E5b990025143609F4A40eC80Fb482E46A0#contract) |
| PoolLogic         | [0xA8D16FB0620E3376093cb89e2cD9dEF9fE47Daaa](https://era.zksync.network/address/0xA8D16FB0620E3376093cb89e2cD9dEF9fE47Daaa#contract) |
| EModeLogic        | [0xD84E953a621bb9D81Dc998E0b1482D2916153c23](https://era.zksync.network/address/0xD84E953a621bb9D81Dc998E0b1482D2916153c23#contract) |
| LiquidationLogic  | [0x8855Fd7d577A05d04Cea2E026c5BAa4Bb47feAf9](https://era.zksync.network/address/0x8855Fd7d577A05d04Cea2E026c5BAa4Bb47feAf9#contract) |
| SupplyLogic       | [0x9223dC9205Cf8336CA59bA0bD390647E62D487E5](https://era.zksync.network/address/0x9223dC9205Cf8336CA59bA0bD390647E62D487E5#contract) |
| FlashLoanLogic    | [0x424C0995114a614c12506D9A994d3eE140742f12](https://era.zksync.network/address/0x424C0995114a614c12506D9A994d3eE140742f12#contract) |
| BorrowLogic       | [0x81D6b98Beb0A4288dCFab724FDeaE52E5Aa2F7b1](https://era.zksync.network/address/0x81D6b98Beb0A4288dCFab724FDeaE52E5Aa2F7b1#contract) |
| {% endtab %}      |                                                                                                                                      |

{% tab title="Manta" %}

| Contract Name     | Address                                                                                                                                 |
| ----------------- | --------------------------------------------------------------------------------------------------------------------------------------- |
| BorrowLogic       | [0x9698FdF843cbe4531610aC231B0047d9FFc13bC6](https://pacific-explorer.manta.network/address/0x9698FdF843cbe4531610aC231B0047d9FFc13bC6) |
| BridgeLogic       | [0xCcCf56e2b6Ad4C06Af8214781b77Cd98446377Bf](https://pacific-explorer.manta.network/address/0xCcCf56e2b6Ad4C06Af8214781b77Cd98446377Bf) |
| ConfiguratorLogic | [0x2f7e54ff5d45f77bFfa11f2aee67bD7621Eb8a93](https://pacific-explorer.manta.network/address/0x2f7e54ff5d45f77bFfa11f2aee67bD7621Eb8a93) |
| EModeLogic        | [0x59423CCeB710266520dB98034ff62dD1E2090E10](https://pacific-explorer.manta.network/address/0x59423CCeB710266520dB98034ff62dD1E2090E10) |
| FlashLoanLogic    | [0xb0811a1FC9Fb9972ee683Ba04c32Cb828Bcf587B](https://pacific-explorer.manta.network/address/0xb0811a1FC9Fb9972ee683Ba04c32Cb828Bcf587B) |
| LiquidationLogic  | [0x89fEc31daD373922879bd6279ccDc3666c5D1b7a](https://pacific-explorer.manta.network/address/0x89fEc31daD373922879bd6279ccDc3666c5D1b7a) |
| PoolLogic         | [0xc6DF4ddDBFaCb866e78Dcc01b813A41C15A08C10](https://pacific-explorer.manta.network/address/0xc6DF4ddDBFaCb866e78Dcc01b813A41C15A08C10) |
| SupplyLogic       | [0x15785C5D383Fa33339CF5D5720546C24313BC66D](https://pacific-explorer.manta.network/address/0x15785C5D383Fa33339CF5D5720546C24313BC66D) |
| {% endtab %}      |                                                                                                                                         |

{% tab title="Blast" %}

| Contract Name     | Address                                                                                                               |
| ----------------- | --------------------------------------------------------------------------------------------------------------------- |
| BlastLogic        | [0x1615eA4Be9a29B62e59B58d02B7549d954F5b1D8](https://blastscan.io/address/0x1615eA4Be9a29B62e59B58d02B7549d954F5b1D8) |
| BorrowLogic       | [0x5e35D90DB7118C2Ae96A8dE458401986879Bb0EF](https://blastscan.io/address/0x5e35D90DB7118C2Ae96A8dE458401986879Bb0EF) |
| BridgeLogic       | [0xb0B0B1D3c0F9823C13D4e0481e86387BaFF452A2](https://blastscan.io/address/0xb0B0B1D3c0F9823C13D4e0481e86387BaFF452A2) |
| ConfiguratorLogic | [0xC3B6dDc1c9876a922754f1d01D18893C7956A74D](https://blastscan.io/address/0xC3B6dDc1c9876a922754f1d01D18893C7956A74D) |
| EModeLogic        | [0x7fab93AF49ce663DBC2F94Bc4DEF5C84D6605663](https://blastscan.io/address/0x7fab93AF49ce663DBC2F94Bc4DEF5C84D6605663) |
| FlashLoanLogic    | [0x9660b39d0e38BE0f7E09cc6C516bd335746262ee](https://blastscan.io/address/0x9660b39d0e38BE0f7E09cc6C516bd335746262ee) |
| LiquidationLogic  | [0xd85BbD487b957857D10d7D96F3a08f6BAb55F7E3](https://blastscan.io/address/0xd85BbD487b957857D10d7D96F3a08f6BAb55F7E3) |
| PoolLogic         | [0x15785C5D383Fa33339CF5D5720546C24313BC66D](https://blastscan.io/address/0x15785C5D383Fa33339CF5D5720546C24313BC66D) |
| SupplyLogic       | [0x5046c3c0d7a362709df433D5431D64973c7f08CB](https://blastscan.io/address/0x5046c3c0d7a362709df433D5431D64973c7f08CB) |
| {% endtab %}      |                                                                                                                       |

{% tab title="Linea" %}

| Contract Name     | Address                                                                                                                  |
| ----------------- | ------------------------------------------------------------------------------------------------------------------------ |
| BorrowLogic       | [0xd85BbD487b957857D10d7D96F3a08f6BAb55F7E3](https://lineascan.build/address/0xd85BbD487b957857D10d7D96F3a08f6BAb55F7E3) |
| BridgeLogic       | [0xC3B6dDc1c9876a922754f1d01D18893C7956A74D](https://lineascan.build/address/0xC3B6dDc1c9876a922754f1d01D18893C7956A74D) |
| ConfiguratorLogic | [0x9660b39d0e38BE0f7E09cc6C516bd335746262ee](https://lineascan.build/address/0x9660b39d0e38BE0f7E09cc6C516bd335746262ee) |
| EModeLogic        | [0xb0B0B1D3c0F9823C13D4e0481e86387BaFF452A2](https://lineascan.build/address/0xb0B0B1D3c0F9823C13D4e0481e86387BaFF452A2) |
| FlashLoanLogic    | [0x15785C5D383Fa33339CF5D5720546C24313BC66D](https://lineascan.build/address/0x15785C5D383Fa33339CF5D5720546C24313BC66D) |
| LiquidationLogic  | [0x7fab93AF49ce663DBC2F94Bc4DEF5C84D6605663](https://lineascan.build/address/0x7fab93AF49ce663DBC2F94Bc4DEF5C84D6605663) |
| PoolLogic         | [0x9698FdF843cbe4531610aC231B0047d9FFc13bC6](https://lineascan.build/address/0x9698FdF843cbe4531610aC231B0047d9FFc13bC6) |
| SupplyLogic       | [0x5e35D90DB7118C2Ae96A8dE458401986879Bb0EF](https://lineascan.build/address/0x5e35D90DB7118C2Ae96A8dE458401986879Bb0EF) |
| {% endtab %}      |                                                                                                                          |

{% tab title="ETH Mainnet" %}

| Contract Name     | Address                                                                                                               |
| ----------------- | --------------------------------------------------------------------------------------------------------------------- |
| BorrowLogic       | [0x8676e39B5D2f0d6E0d78a4208a0cCBc50504972e](https://etherscan.io/address/0x8676e39B5D2f0d6E0d78a4208a0cCBc50504972e) |
| BridgeLogic       | [0x3365D8691cD54313Fa3dF201BB33Bd1eC37B9F9D](https://etherscan.io/address/0x3365D8691cD54313Fa3dF201BB33Bd1eC37B9F9D) |
| ConfiguratorLogic | [0xb8634e0a320d0f4861062514a63B659E52A87E21](https://etherscan.io/address/0xb8634e0a320d0f4861062514a63B659E52A87E21) |
| EModeLogic        | [0x78Ad3d53045b6582841e2a1a688C52Be2CA2A7a7](https://etherscan.io/address/0x78Ad3d53045b6582841e2a1a688C52Be2CA2A7a7) |
| FlashLoanLogic    | [0x86B07C01b10545c7e093521cdeacf90D909db5a1](https://etherscan.io/address/0x86B07C01b10545c7e093521cdeacf90D909db5a1) |
| LiquidationLogic  | [0xBE0ab675a478A759ECA580f0D6c9d399085547D8](https://etherscan.io/address/0xBE0ab675a478A759ECA580f0D6c9d399085547D8) |
| PoolLogic         | [0xb2178109A414C3a869E5104283Fcf1a18923D0B8](https://etherscan.io/address/0xb2178109A414C3a869E5104283Fcf1a18923D0B8) |
| SupplyLogic       | [0x4DB095Bd39Bde10a4b9BE6Ff63d98FcEB2381fDC](https://etherscan.io/address/0x4DB095Bd39Bde10a4b9BE6Ff63d98FcEB2381fDC) |
| {% endtab %}      |                                                                                                                       |

{% tab title="X Layer" %}

| Contract Name     | Address                                                                                                                              |
| ----------------- | ------------------------------------------------------------------------------------------------------------------------------------ |
| BorrowLogic       | [0x1615eA4Be9a29B62e59B58d02B7549d954F5b1D8](https://www.okx.com/explorer/xlayer/address/0x1615eA4Be9a29B62e59B58d02B7549d954F5b1D8) |
| BridgeLogic       | [0x7fab93AF49ce663DBC2F94Bc4DEF5C84D6605663](https://www.okx.com/explorer/xlayer/address/0x7fab93AF49ce663DBC2F94Bc4DEF5C84D6605663) |
| ConfiguratorLogic | [0xb0B0B1D3c0F9823C13D4e0481e86387BaFF452A2](https://www.okx.com/explorer/xlayer/address/0xb0B0B1D3c0F9823C13D4e0481e86387BaFF452A2) |
| EModeLogic        | [0xd85BbD487b957857D10d7D96F3a08f6BAb55F7E3](https://www.okx.com/explorer/xlayer/address/0xd85BbD487b957857D10d7D96F3a08f6BAb55F7E3) |
| FlashLoanLogic    | [0xC3B6dDc1c9876a922754f1d01D18893C7956A74D](https://www.okx.com/explorer/xlayer/address/0xC3B6dDc1c9876a922754f1d01D18893C7956A74D) |
| LiquidationLogic  | [0x5e35D90DB7118C2Ae96A8dE458401986879Bb0EF](https://www.okx.com/explorer/xlayer/address/0x5e35D90DB7118C2Ae96A8dE458401986879Bb0EF) |
| PoolLogic         | [0x9660b39d0e38BE0f7E09cc6C516bd335746262ee](https://www.okx.com/explorer/xlayer/address/0x9660b39d0e38BE0f7E09cc6C516bd335746262ee) |
| SupplyLogic       | [0x5046c3c0d7a362709df433D5431D64973c7f08CB](https://www.okx.com/explorer/xlayer/address/0x5046c3c0d7a362709df433D5431D64973c7f08CB) |
| {% endtab %}      |                                                                                                                                      |

{% tab title="Base" %}

| Contract Name     | Contract Address                                                                                                      |
| ----------------- | --------------------------------------------------------------------------------------------------------------------- |
| BorrowLogic       | [0xb8634e0a320d0f4861062514a63B659E52A87E21](https://basescan.org/address/0xb8634e0a320d0f4861062514a63B659E52A87E21) |
| BridgeLogic       | [0xFD856E1a33225B86f70D686f9280435E3fF75FCF](https://basescan.org/address/0xFD856E1a33225B86f70D686f9280435E3fF75FCF) |
| ConfiguratorLogic | [0xb47d417F55080081c6Fad95C3A470fe98A97e603](https://basescan.org/address/0xb47d417F55080081c6Fad95C3A470fe98A97e603) |
| EModeLogic        | [0xb2178109A414C3a869E5104283Fcf1a18923D0B8](https://basescan.org/address/0xb2178109A414C3a869E5104283Fcf1a18923D0B8) |
| SupplyLogic       | [0x3365D8691cD54313Fa3dF201BB33Bd1eC37B9F9D](https://basescan.org/address/0x3365D8691cD54313Fa3dF201BB33Bd1eC37B9F9D) |
| FlashLoanLogic    | [0x91900E4ae0c7e8bFf1b537B10f7AD093b9F9Ed85](https://basescan.org/address/0x91900E4ae0c7e8bFf1b537B10f7AD093b9F9Ed85) |
| LiquidationLogic  | [0x86B07C01b10545c7e093521cdeacf90D909db5a1](https://basescan.org/address/0x86B07C01b10545c7e093521cdeacf90D909db5a1) |
| PoolLogic         | [0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385](https://basescan.org/address/0xFF679e5B4178A2f74A56f0e2c0e1FA1C80579385) |
| {% endtab %}      |                                                                                                                       |

{% tab title="Corn" %}

| Contract Name     | Contract Address                                                                                                     |
| ----------------- | -------------------------------------------------------------------------------------------------------------------- |
| BorrowLogic       | [0xBBaEF34D75e15C5d04A078fc2634245842EABdc7](https://cornscan.io/address/0xBBaEF34D75e15C5d04A078fc2634245842EABdc7) |
| BridgeLogic       | [0x1615eA4Be9a29B62e59B58d02B7549d954F5b1D8](https://cornscan.io/address/0x1615eA4Be9a29B62e59B58d02B7549d954F5b1D8) |
| ConfiguratorLogic | [0x5e35D90DB7118C2Ae96A8dE458401986879Bb0EF](https://cornscan.io/address/0x5e35D90DB7118C2Ae96A8dE458401986879Bb0EF) |
| EModeLogic        | [0x5046c3c0d7a362709df433D5431D64973c7f08CB](https://cornscan.io/address/0x5046c3c0d7a362709df433D5431D64973c7f08CB) |
| FlashLoanLogic    | [0xd85BbD487b957857D10d7D96F3a08f6BAb55F7E3](https://cornscan.io/address/0xd85BbD487b957857D10d7D96F3a08f6BAb55F7E3) |
| LiquidationLogic  | [0x41B19217a5b5FD26a5482114d58478856c70D705](https://cornscan.io/address/0x41B19217a5b5FD26a5482114d58478856c70D705) |
| PoolLogic         | [0x7fab93AF49ce663DBC2F94Bc4DEF5C84D6605663](https://cornscan.io/address/0x7fab93AF49ce663DBC2F94Bc4DEF5C84D6605663) |
| SupplyLogic       | [0x0Bd27617E20F09a8E7FFdaE281E383b4b2f7A742](https://cornscan.io/address/0x0Bd27617E20F09a8E7FFdaE281E383b4b2f7A742) |
| {% endtab %}      |                                                                                                                      |

{% tab title="Berachain" %}

| Contract Name     | Address                                                                                                               |
| ----------------- | --------------------------------------------------------------------------------------------------------------------- |
| BorrowLogic       | [0x5452C0aa1778daB28760D05D6835D89F711e0794](https://berascan.com/address/0x5452C0aa1778daB28760D05D6835D89F711e0794) |
| BridgeLogic       | [0x666aa380632fC7EA72ce2f0de288ac25520d8aC2](https://berascan.com/address/0x666aa380632fC7EA72ce2f0de288ac25520d8aC2) |
| ConfiguratorLogic | [0x1F8C525dca90Ca30D2F9d476355Eb5bcc425A600](https://berascan.com/address/0x1F8C525dca90Ca30D2F9d476355Eb5bcc425A600) |
| EModeLogic        | [0x147fB1C36f4E0A579C69A54522D4730567880336](https://berascan.com/address/0x147fB1C36f4E0A579C69A54522D4730567880336) |
| FlashLoanLogic    | [0xF48Ba4FA715175E2FeC2c9F0dd6681BDE2cF6b7c](https://berascan.com/address/0xF48Ba4FA715175E2FeC2c9F0dd6681BDE2cF6b7c) |
| LiquidationLogic  | [0x957aFcfe44C123E6ED5EBc9A4170CB839F712c28](https://berascan.com/address/0x957aFcfe44C123E6ED5EBc9A4170CB839F712c28) |
| PoolLogic         | [0x4C692e28a4D4ab9c8DE1F4afC52Baf13B94b84Ac](https://berascan.com/address/0x4C692e28a4D4ab9c8DE1F4afC52Baf13B94b84Ac) |
| SupplyLogic       | [0x58b628547102A3153A65A86b84b1Bc501013034F](https://berascan.com/address/0x58b628547102A3153A65A86b84b1Bc501013034F) |

{% endtab %}

{% tab title="Abstract" %}

| Contract Name     | Address                                                                                                                           |
| ----------------- | --------------------------------------------------------------------------------------------------------------------------------- |
| BorrowLogic       | [0x7aE492691C4436d6fe298513B667275312400F7F](https://explorer.testnet.abs.xyz/address/0x7aE492691C4436d6fe298513B667275312400F7F) |
| BridgeLogic       | [0xbA996943Db633971e0976D4b03524156e041c3de](https://explorer.testnet.abs.xyz/address/0xbA996943Db633971e0976D4b03524156e041c3de) |
| ConfiguratorLogic | [0xdf36F50522b6e7D1Fd3F2E4A7027c3485488df8d](https://explorer.testnet.abs.xyz/address/0xdf36F50522b6e7D1Fd3F2E4A7027c3485488df8d) |
| EModeLogic        | [0x627B8A8A532E9Af8bBE2e2C1FA9652C3EE39eF3b](https://explorer.testnet.abs.xyz/address/0x627B8A8A532E9Af8bBE2e2C1FA9652C3EE39eF3b) |
| FlashLoanLogic    | [0x7d3b3A3cD43139307f9b226D7C88d45F28aBb9Cd](https://explorer.testnet.abs.xyz/address/0x7d3b3A3cD43139307f9b226D7C88d45F28aBb9Cd) |
| LiquidationLogic  | [0x9993C01C9d3d9122B829DEaB7B737aD8EC50F7C3](https://explorer.testnet.abs.xyz/address/0x9993C01C9d3d9122B829DEaB7B737aD8EC50F7C3) |
| PoolLogic         | [0xfcE579123b23f8EF240274Ba0b03b54AC749b553](https://explorer.testnet.abs.xyz/address/0xfcE579123b23f8EF240274Ba0b03b54AC749b553) |
| SupplyLogic       | [0x431Df508d6320D5c64A8114A756D96972FCf977C](https://explorer.testnet.abs.xyz/address/0x431Df508d6320D5c64A8114A756D96972FCf977C) |
| {% endtab %}      |                                                                                                                                   |

{% tab title="Hemi" %}

| Contract Name     | Address                                                                                                                    |
| ----------------- | -------------------------------------------------------------------------------------------------------------------------- |
| BorrowLogic       | [0x0Bd27617E20F09a8E7FFdaE281E383b4b2f7A742](https://explorer.hemi.xyz/address/0x0Bd27617E20F09a8E7FFdaE281E383b4b2f7A742) |
| BridgeLogic       | [0x5046c3c0d7a362709df433D5431D64973c7f08CB](https://explorer.hemi.xyz/address/0x5046c3c0d7a362709df433D5431D64973c7f08CB) |
| ConfiguratorLogic | [0x1615eA4Be9a29B62e59B58d02B7549d954F5b1D8](https://explorer.hemi.xyz/address/0x1615eA4Be9a29B62e59B58d02B7549d954F5b1D8) |
| EModeLogic        | [0x41B19217a5b5FD26a5482114d58478856c70D705](https://explorer.hemi.xyz/address/0x41B19217a5b5FD26a5482114d58478856c70D705) |
| FlashLoanLogic    | [0x5e35D90DB7118C2Ae96A8dE458401986879Bb0EF](https://explorer.hemi.xyz/address/0x5e35D90DB7118C2Ae96A8dE458401986879Bb0EF) |
| LiquidationLogic  | [0xBBaEF34D75e15C5d04A078fc2634245842EABdc7](https://explorer.hemi.xyz/address/0xBBaEF34D75e15C5d04A078fc2634245842EABdc7) |
| PoolLogic         | [0xd85BbD487b957857D10d7D96F3a08f6BAb55F7E3](https://explorer.hemi.xyz/address/0xd85BbD487b957857D10d7D96F3a08f6BAb55F7E3) |
| SupplyLogic       | [0x458AD5B487F4442245E4C5eA7249009E607A5583](https://explorer.hemi.xyz/address/0x458AD5B487F4442245E4C5eA7249009E607A5583) |
| {% endtab %}      |                                                                                                                            |

{% tab title="Zircuit" %}

| Contract Name     | Contract Address                                                                                                              |
| ----------------- | ----------------------------------------------------------------------------------------------------------------------------- |
| BorrowLogic       | [0x8676e39B5D2f0d6E0d78a4208a0cCBc50504972e](https://explorer.zircuit.com/address/0x8676e39B5D2f0d6E0d78a4208a0cCBc50504972e) |
| BridgeLogic       | [0xb8634e0a320d0f4861062514a63B659E52A87E21](https://explorer.zircuit.com/address/0xb8634e0a320d0f4861062514a63B659E52A87E21) |
| ConfiguratorLogic | [0x86B07C01b10545c7e093521cdeacf90D909db5a1](https://explorer.zircuit.com/address/0x86B07C01b10545c7e093521cdeacf90D909db5a1) |
| EModeLogic        | [0x3365D8691cD54313Fa3dF201BB33Bd1eC37B9F9D](https://explorer.zircuit.com/address/0x3365D8691cD54313Fa3dF201BB33Bd1eC37B9F9D) |
| FlashLoanLogic    | [0xb2178109A414C3a869E5104283Fcf1a18923D0B8](https://explorer.zircuit.com/address/0xb2178109A414C3a869E5104283Fcf1a18923D0B8) |
| LiquidationLogic  | [0xBE0ab675a478A759ECA580f0D6c9d399085547D8](https://explorer.zircuit.com/address/0xBE0ab675a478A759ECA580f0D6c9d399085547D8) |
| PoolLogic         | [0xFD856E1a33225B86f70D686f9280435E3fF75FCF](https://explorer.zircuit.com/address/0xFD856E1a33225B86f70D686f9280435E3fF75FCF) |
| SupplyLogic       | [0x504B99a601b2c963628FD2565dAd530aD3C2Cfd6](https://explorer.zircuit.com/address/0x504B99a601b2c963628FD2565dAd530aD3C2Cfd6) |
| {% endtab %}      |                                                                                                                               |
| {% endtabs %}     |                                                                                                                               |

## ATokens

These are the addresses of ZeroLend's supported debt tokens on various chains.

{% tabs %}
{% tab title="zkSync" %}

| Contract Name                 | Address                                                                                                                     |
| ----------------------------- | --------------------------------------------------------------------------------------------------------------------------- |
| WETH-AToken-zkSync            | [0x9002ecb8a06060e3b56669c6B8F18E1c3b119914](https://era.zksync.network/address/0x9002ecb8a06060e3b56669c6B8F18E1c3b119914) |
| WETH-StableDebtToken-zkSync   | [0x9c9158BFF47342A20b7D2Ac09F89e96F3A209b9B](https://era.zksync.network/address/0x9c9158BFF47342A20b7D2Ac09F89e96F3A209b9B) |
| WETH-VariableDebtToken-zkSync | [0x56f58d9BE10929CdA709c4134eF7343D73B080Cf](https://era.zksync.network/address/0x56f58d9BE10929CdA709c4134eF7343D73B080Cf) |
| USDC-AToken-zkSync            | [0x016341e6Da8da66b33Fd32189328c102f32Da7CC](https://era.zksync.network/address/0x016341e6Da8da66b33Fd32189328c102f32Da7CC) |
| USDC-StableDebtToken-zkSync   | [0x5faC4FD2e4bCE392d34600d94Aa1114274e54Dff](https://era.zksync.network/address/0x5faC4FD2e4bCE392d34600d94Aa1114274e54Dff) |
| USDC-VariableDebtToken-zkSync | [0xE60E1953aF56Db378184997cab20731d17c65004](https://era.zksync.network/address/0xE60E1953aF56Db378184997cab20731d17c65004) |
| USDT-AToken-zkSync            | [0x9ca4806fa54984Bf5dA4E280b7AA8bB821D21505](https://era.zksync.network/address/0x9ca4806fa54984Bf5dA4E280b7AA8bB821D21505) |
| USDT-StableDebtToken-zkSync   | [0x6F977fD05962d67Eb7B16b15684fbEa0462F442d](https://era.zksync.network/address/0x6F977fD05962d67Eb7B16b15684fbEa0462F442d) |
| USDT-VariableDebtToken-zkSync | [0xa333c6FF89525939271E796FbDe2a2D9A970F831](https://era.zksync.network/address/0xa333c6FF89525939271E796FbDe2a2D9A970F831) |
| {% endtab %}                  |                                                                                                                             |

{% tab title="Manta" %}

| Contract Name            | Address                                                                                                                                 |
| ------------------------ | --------------------------------------------------------------------------------------------------------------------------------------- |
| MATIC-AToken             | [0x2E207ecA8B6Bf77a6ac82763EEEd2A94de4f081d](https://pacific-explorer.manta.network/address/0x2E207ecA8B6Bf77a6ac82763EEEd2A94de4f081d) |
| MATIC-StableDebtToken    | [0xd07e6A4da4e360ba6EdDE42ce7867051ea4BE024](https://pacific-explorer.manta.network/address/0xd07e6A4da4e360ba6EdDE42ce7867051ea4BE024) |
| MATIC-VariableDebtToken  | [0xa2703Dc9FbACCD6eC2e4CBfa700989D0238133f6](https://pacific-explorer.manta.network/address/0xa2703Dc9FbACCD6eC2e4CBfa700989D0238133f6) |
| TIA-AToken               | [0x508C39Cd02736535d5cB85f3925218E5e0e8F07A](https://pacific-explorer.manta.network/address/0x508C39Cd02736535d5cB85f3925218E5e0e8F07A) |
| TIA-StableDebtToken      | [0x607f422f2e2de0FD1b084223ED16AE51c2453b06](https://pacific-explorer.manta.network/address/0x607f422f2e2de0FD1b084223ED16AE51c2453b06) |
| TIA-VariableDebtToken    | [0x476F206511a18C9956fc79726108a03E647A1817](https://pacific-explorer.manta.network/address/0x476F206511a18C9956fc79726108a03E647A1817) |
| USDC-AToken              | [0xB4FFEf15daf4C02787bC5332580b838cE39805f5](https://pacific-explorer.manta.network/address/0xB4FFEf15daf4C02787bC5332580b838cE39805f5) |
| USDC-StableDebtToken     | [0x27C7733D7A0F142720Af777E70eBc33CA485d014](https://pacific-explorer.manta.network/address/0x27C7733D7A0F142720Af777E70eBc33CA485d014) |
| USDC-VariableDebtToken   | [0xCb2dA0F5aEce616e2Cbf29576CFc795fb15c6133](https://pacific-explorer.manta.network/address/0xCb2dA0F5aEce616e2Cbf29576CFc795fb15c6133) |
| USDT-AToken              | [0x759cb97fbc452BAFD49992BA88d3C5dA4Dd9B0e7](https://pacific-explorer.manta.network/address/0x759cb97fbc452BAFD49992BA88d3C5dA4Dd9B0e7) |
| USDT-StableDebtToken     | [0xB8E26F3C4AFb4f56f430a390Dc3f3b12f8A50B26](https://pacific-explorer.manta.network/address/0xB8E26F3C4AFb4f56f430a390Dc3f3b12f8A50B26) |
| USDT-VariableDebtToken   | [0xc1d9ca73f57930D4303D380C5DC668C40B38598B](https://pacific-explorer.manta.network/address/0xc1d9ca73f57930D4303D380C5DC668C40B38598B) |
| WBTC-AToken              | [0xE7e54ca3D6F8a5561f8cee361260E537BDc5bE48](https://pacific-explorer.manta.network/address/0xE7e54ca3D6F8a5561f8cee361260E537BDc5bE48) |
| WBTC-StableDebtToken     | [0x7C2e57764eC33292fE098636AaA5D0357d814d16](https://pacific-explorer.manta.network/address/0x7C2e57764eC33292fE098636AaA5D0357d814d16) |
| WBTC-VariableDebtToken   | [0xe6B9b00d42fA5831ccE4E44D9d6D8C51ba17cd1E](https://pacific-explorer.manta.network/address/0xe6B9b00d42fA5831ccE4E44D9d6D8C51ba17cd1E) |
| WETH-AToken              | [0x0684FC172a0B8e6A65cF4684eDb2082272fe9050](https://pacific-explorer.manta.network/address/0x0684FC172a0B8e6A65cF4684eDb2082272fe9050) |
| WETH-StableDebtToken     | [0xFFa256Ad2487c4D989C3DFA6A6e9C13Fe33beba4](https://pacific-explorer.manta.network/address/0xFFa256Ad2487c4D989C3DFA6A6e9C13Fe33beba4) |
| WETH-VariableDebtToken   | [0xcC7b5Fd2F290a61587352343b7Cf77bB35cB6f00](https://pacific-explorer.manta.network/address/0xcC7b5Fd2F290a61587352343b7Cf77bB35cB6f00) |
| wstETH-AToken            | [0x0ab214F127998a36Ce7aB0087a9B0D20adc2d5AD](https://pacific-explorer.manta.network/address/0x0ab214F127998a36Ce7aB0087a9B0D20adc2d5AD) |
| wstETH-StableDebtToken   | [0x28D7246cd9da102c75FAa7d4Cf1c5399B323F084](https://pacific-explorer.manta.network/address/0x28D7246cd9da102c75FAa7d4Cf1c5399B323F084) |
| wstETH-VariableDebtToken | [0xb5EEf4Df2e48Fb41E6eaE6778c14787bAAa181F1](https://pacific-explorer.manta.network/address/0xb5EEf4Df2e48Fb41E6eaE6778c14787bAAa181F1) |
| {% endtab %}             |                                                                                                                                         |

{% tab title="Blast" %}

| Contract Name                | Address                                                                                                               |
| ---------------------------- | --------------------------------------------------------------------------------------------------------------------- |
| WETH-AToken-blast            | [0x53a3Aa617afE3C12550a93BA6262430010037B04](https://blastscan.io/address/0x53a3Aa617afE3C12550a93BA6262430010037B04) |
| WETH-StableDebtToken-blast   | [0x045D5602FAF1abB4c3f3c62FA70293450d9d5106](https://blastscan.io/address/0x045D5602FAF1abB4c3f3c62FA70293450d9d5106) |
| WETH-VariableDebtToken-blast | [0x29c2Bc372728dacB472A7E90e5fc8Aa0F203C8CD](https://blastscan.io/address/0x29c2Bc372728dacB472A7E90e5fc8Aa0F203C8CD) |
| USDB-AToken-blast            | [0x23A58cbe25E36e26639bdD969B0531d3aD5F9c34](https://blastscan.io/address/0x23A58cbe25E36e26639bdD969B0531d3aD5F9c34) |
| USDB-StableDebtToken-blast   | [0xBc83DcBc06876B463EFdE74a0539D78c586F90e8](https://blastscan.io/address/0xBc83DcBc06876B463EFdE74a0539D78c586F90e8) |
| USDB-VariableDebtToken-blast | [0x0e914b7669E97fd0c2644Af60E90EA7ddb4F91d1](https://blastscan.io/address/0x0e914b7669E97fd0c2644Af60E90EA7ddb4F91d1) |
| {% endtab %}                 |                                                                                                                       |

{% tab title="Linea" %}

| Contract Name                | Address                                                                                                                  |
| ---------------------------- | ------------------------------------------------------------------------------------------------------------------------ |
| GRAI-AToken-linea            | [0xE7e54ca3D6F8a5561f8cee361260E537BDc5bE48](https://lineascan.build/address/0xE7e54ca3D6F8a5561f8cee361260E537BDc5bE48) |
| GRAI-StableDebtToken-linea   | [0x7C2e57764eC33292fE098636AaA5D0357d814d16](https://lineascan.build/address/0x7C2e57764eC33292fE098636AaA5D0357d814d16) |
| GRAI-VariableDebtToken-linea | [0xe6B9b00d42fA5831ccE4E44D9d6D8C51ba17cd1E](https://lineascan.build/address/0xe6B9b00d42fA5831ccE4E44D9d6D8C51ba17cd1E) |
| MAI-AToken-linea             | [0x759cb97fbc452BAFD49992BA88d3C5dA4Dd9B0e7](https://lineascan.build/address/0x759cb97fbc452BAFD49992BA88d3C5dA4Dd9B0e7) |
| MAI-StableDebtToken-linea    | [0xB8E26F3C4AFb4f56f430a390Dc3f3b12f8A50B26](https://lineascan.build/address/0xB8E26F3C4AFb4f56f430a390Dc3f3b12f8A50B26) |
| MAI-VariableDebtToken-linea  | [0xc1d9ca73f57930D4303D380C5DC668C40B38598B](https://lineascan.build/address/0xc1d9ca73f57930D4303D380C5DC668C40B38598B) |
| USDC-AToken-linea            | [0x2E207ecA8B6Bf77a6ac82763EEEd2A94de4f081d](https://lineascan.build/address/0x2E207ecA8B6Bf77a6ac82763EEEd2A94de4f081d) |
| USDC-StableDebtToken-linea   | [0xd07e6A4da4e360ba6EdDE42ce7867051ea4BE024](https://lineascan.build/address/0xd07e6A4da4e360ba6EdDE42ce7867051ea4BE024) |
| USDC-VariableDebtToken-linea | [0xa2703Dc9FbACCD6eC2e4CBfa700989D0238133f6](https://lineascan.build/address/0xa2703Dc9FbACCD6eC2e4CBfa700989D0238133f6) |
| USDT-AToken-linea            | [0x508C39Cd02736535d5cB85f3925218E5e0e8F07A](https://lineascan.build/address/0x508C39Cd02736535d5cB85f3925218E5e0e8F07A) |
| USDT-StableDebtToken-linea   | [0x607f422f2e2de0FD1b084223ED16AE51c2453b06](https://lineascan.build/address/0x607f422f2e2de0FD1b084223ED16AE51c2453b06) |
| USDT-VariableDebtToken-linea | [0x476F206511a18C9956fc79726108a03E647A1817](https://lineascan.build/address/0x476F206511a18C9956fc79726108a03E647A1817) |
| WETH-AToken-linea            | [0xB4FFEf15daf4C02787bC5332580b838cE39805f5](https://lineascan.build/address/0xB4FFEf15daf4C02787bC5332580b838cE39805f5) |
| WETH-StableDebtToken-linea   | [0x27C7733D7A0F142720Af777E70eBc33CA485d014](https://lineascan.build/address/0x27C7733D7A0F142720Af777E70eBc33CA485d014) |
| WETH-VariableDebtToken-linea | [0xCb2dA0F5aEce616e2Cbf29576CFc795fb15c6133](https://lineascan.build/address/0xCb2dA0F5aEce616e2Cbf29576CFc795fb15c6133) |
| {% endtab %}                 |                                                                                                                          |

{% tab title="ETH Mainnet" %}

| Contract Name                       | Address                                                                                                               |
| ----------------------------------- | --------------------------------------------------------------------------------------------------------------------- |
| DAI-AToken-mainnet-lrt              | [0x29a3a6Af690942A3b7665bb2839a3f563C6F987b](https://etherscan.io/address/0x29a3a6Af690942A3b7665bb2839a3f563C6F987b) |
| DAI-StableDebtToken-mainnet-lrt     | [0x8569052157069eD81F603001596Ee8ae1c85E049](https://etherscan.io/address/0x8569052157069eD81F603001596Ee8ae1c85E049) |
| DAI-VariableDebtToken-mainnet-lrt   | [0x0047cAC82cf5Fb36954de1B9D86d657915ab3b47](https://etherscan.io/address/0x0047cAC82cf5Fb36954de1B9D86d657915ab3b47) |
| ezETH-AToken-mainnet-lrt            | [0x68fD75cF5a91F49EFfAd0E857ef2E97e5d1f35e7](https://etherscan.io/address/0x68fD75cF5a91F49EFfAd0E857ef2E97e5d1f35e7) |
| ezETH-StableDebtToken-mainnet-lrt   | [0x1e7f2AfD1d534077656A0cFA7871358Cb346f578](https://etherscan.io/address/0x1e7f2AfD1d534077656A0cFA7871358Cb346f578) |
| ezETH-VariableDebtToken-mainnet-lrt | [0x27C1706ddd2467622CA63aaEc03332127919A690](https://etherscan.io/address/0x27C1706ddd2467622CA63aaEc03332127919A690) |
| rsETH-AToken-mainnet-lrt            | [0xeF4A41E692319aE4AA596314D282B3F2a3830bED](https://etherscan.io/address/0xeF4A41E692319aE4AA596314D282B3F2a3830bED) |
| rsETH-StableDebtToken-mainnet-lrt   | [0x3aF8BAd4CA56AFAE60FA3a2F116cDEA803c80fbc](https://etherscan.io/address/0x3aF8BAd4CA56AFAE60FA3a2F116cDEA803c80fbc) |
| rsETH-VariableDebtToken-mainnet-lrt | [0xE4fe2d282DEAD5759199Df364F3F419DFaC17339](https://etherscan.io/address/0xE4fe2d282DEAD5759199Df364F3F419DFaC17339) |
| USDC-AToken-mainnet-lrt             | [0xb2feb2c46305329a340E6188532f31FcE9347a5c](https://etherscan.io/address/0xb2feb2c46305329a340E6188532f31FcE9347a5c) |
| USDC-StableDebtToken-mainnet-lrt    | [0x7Fae822dC0A2ae436Ec10B83AE5686C008fCA718](https://etherscan.io/address/0x7Fae822dC0A2ae436Ec10B83AE5686C008fCA718) |
| USDC-VariableDebtToken-mainnet-lrt  | [0x227f86FbfCCB5664403B62a5b6D4e0e593968275](https://etherscan.io/address/0x227f86FbfCCB5664403B62a5b6D4e0e593968275) |
| USDT-AToken-mainnet-lrt             | [0x6c735966bC965BD4066c14fcA3Df443496CE14fb](https://etherscan.io/address/0x6c735966bC965BD4066c14fcA3Df443496CE14fb) |
| USDT-StableDebtToken-mainnet-lrt    | [0x14b0F7eDb2471350DEE88B1C423E0Df25C37B638](https://etherscan.io/address/0x14b0F7eDb2471350DEE88B1C423E0Df25C37B638) |
| USDT-VariableDebtToken-mainnet-lrt  | [0xdAccF47046aE4FEE3F9f3bcFe68696A95dB6ccB7](https://etherscan.io/address/0xdAccF47046aE4FEE3F9f3bcFe68696A95dB6ccB7) |
| VariableDebtToken-mainnet-lrt       | [0x5d50bE703836C330Fc2d147a631CDd7bb8D7171c](https://etherscan.io/address/0x5d50bE703836C330Fc2d147a631CDd7bb8D7171c) |
| weETH-AToken-mainnet-lrt            | [0x84E55c6Bc5B7e9505d87b3Df6Ceff7753e15A0c5](https://etherscan.io/address/0x84E55c6Bc5B7e9505d87b3Df6Ceff7753e15A0c5) |
| weETH-StableDebtToken-mainnet-lrt   | [0x4931DAE3F419649931918D9E545D0F52cAE0dbEc](https://etherscan.io/address/0x4931DAE3F419649931918D9E545D0F52cAE0dbEc) |
| weETH-VariableDebtToken-mainnet-lrt | [0x53C94fd63Ef4001d45744c311d6BBe2171D4a11e](https://etherscan.io/address/0x53C94fd63Ef4001d45744c311d6BBe2171D4a11e) |
| WETH-AToken-mainnet-lrt             | [0xFb932A75c5F69d03B0F6e59573FDe6976aF0D88C](https://etherscan.io/address/0xFb932A75c5F69d03B0F6e59573FDe6976aF0D88C) |
| WETH-StableDebtToken-mainnet-lrt    | [0x346623fAf3cd1dBE9024c1D160cd40E6a90092ed](https://etherscan.io/address/0x346623fAf3cd1dBE9024c1D160cd40E6a90092ed) |
| WETH-VariableDebtToken-mainnet-lrt  | [0x7EF98CD28902Ce57b7aEeC66DFB06B454CdA1941](https://etherscan.io/address/0x7EF98CD28902Ce57b7aEeC66DFB06B454CdA1941) |
| {% endtab %}                        |                                                                                                                       |

{% tab title="X Layer" %}

| Contract Name                  | Address                                                                                                                              |
| ------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------ |
| AToken-x-layer                 | [0xc58715D0046bD873CEdcc70fA3656EE2523e8011](https://www.okx.com/explorer/xlayer/address/0xc58715D0046bD873CEdcc70fA3656EE2523e8011) |
| DAI-AToken-x-layer             | [0xA8184C63fD78EBaEd24e8f9d1c3D322357B4Aedc](https://www.okx.com/explorer/xlayer/address/0xA8184C63fD78EBaEd24e8f9d1c3D322357B4Aedc) |
| DelegationAwareAToken-x-layer  | [0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5](https://www.okx.com/explorer/xlayer/address/0x749dF84Fd6DE7c0A67db3827e5118259ed3aBBa5) |
| USDC-AToken-x-layer            | [0x8C2399B1B6CdeEE1Dce3D211660536aBB6A19eae](https://www.okx.com/explorer/xlayer/address/0x8C2399B1B6CdeEE1Dce3D211660536aBB6A19eae) |
| USDT-AToken-x-layer            | [0x6D7dF47e72891C0217761b7f9a636FDbB7AD28CB](https://www.okx.com/explorer/xlayer/address/0x6D7dF47e72891C0217761b7f9a636FDbB7AD28CB) |
| WBTC-AToken-x-layer            | [0x11F1e8AD126D19f58947Cf4555118c456AFF2A41](https://www.okx.com/explorer/xlayer/address/0x11F1e8AD126D19f58947Cf4555118c456AFF2A41) |
| WETH-AToken-x-layer            | [0xb85018b38030E51745b97e4D1F7814AD724C932A](https://www.okx.com/explorer/xlayer/address/0xb85018b38030E51745b97e4D1F7814AD724C932A) |
| WOKB-AToken-x-layer            | [0xDB32FcF62fc0f8720944F136A72c47C17929C877](https://www.okx.com/explorer/xlayer/address/0xDB32FcF62fc0f8720944F136A72c47C17929C877) |
| DAI-StableDebtToken-x-layer    | [0xD9DD8C0Df3CcDC87d0C24AfE9a5d94C68e6Eb9F8](https://www.okx.com/explorer/xlayer/address/0xD9DD8C0Df3CcDC87d0C24AfE9a5d94C68e6Eb9F8) |
| StableDebtToken-x-layer        | [0xcC8a5B5010C8A3832ecd2763E5b0e17811fBBD26](https://www.okx.com/explorer/xlayer/address/0xcC8a5B5010C8A3832ecd2763E5b0e17811fBBD26) |
| USDC-StableDebtToken-x-layer   | [0xa316d2A934c2eD41d3F2D8A5ee99adaE92008263](https://www.okx.com/explorer/xlayer/address/0xa316d2A934c2eD41d3F2D8A5ee99adaE92008263) |
| USDT-StableDebtToken-x-layer   | [0x19796424b4AF33460294Ffd616F6c422Fc61410a](https://www.okx.com/explorer/xlayer/address/0x19796424b4AF33460294Ffd616F6c422Fc61410a) |
| WBTC-StableDebtToken-x-layer   | [0x9A01FF3A7459A75C46F8C407ba50031f830516C0](https://www.okx.com/explorer/xlayer/address/0x9A01FF3A7459A75C46F8C407ba50031f830516C0) |
| WETH-StableDebtToken-x-layer   | [0xE1b1167655b52782E8660Bb04bc93Ce3FA6F241f](https://www.okx.com/explorer/xlayer/address/0xE1b1167655b52782E8660Bb04bc93Ce3FA6F241f) |
| WOKB-StableDebtToken-x-layer   | [0x9E5a96adeED6f94adBf76f0e50F630a62769D1e1](https://www.okx.com/explorer/xlayer/address/0x9E5a96adeED6f94adBf76f0e50F630a62769D1e1) |
| DAI-VariableDebtToken-x-layer  | [0xa0E48Fe416fF74AE711b01540FF2144E3a1A9171](https://www.okx.com/explorer/xlayer/address/0xa0E48Fe416fF74AE711b01540FF2144E3a1A9171) |
| USDC-VariableDebtToken-x-layer | [0xE6C189b3F6cdf47184DC6DD59b28fEF0D0862b39](https://www.okx.com/explorer/xlayer/address/0xE6C189b3F6cdf47184DC6DD59b28fEF0D0862b39) |
| USDT-VariableDebtToken-x-layer | [0xCa63175F32aB1962eeeFD80734Ad2dc360292c3c](https://www.okx.com/explorer/xlayer/address/0xCa63175F32aB1962eeeFD80734Ad2dc360292c3c) |
| VariableDebtToken-x-layer      | [0x1cc993f2C8b6FbC43a9bafd2A44398E739733385](https://www.okx.com/explorer/xlayer/address/0x1cc993f2C8b6FbC43a9bafd2A44398E739733385) |
| WBTC-VariableDebtToken-x-layer | [0x0c87Ca5de4b9313D15337CDC0dbDE5f835558bDE](https://www.okx.com/explorer/xlayer/address/0x0c87Ca5de4b9313D15337CDC0dbDE5f835558bDE) |
| WETH-VariableDebtToken-x-layer | [0x0D78fac08b5DC929219ed534dF28ce3616d8b9de](https://www.okx.com/explorer/xlayer/address/0x0D78fac08b5DC929219ed534dF28ce3616d8b9de) |
| WOKB-VariableDebtToken-x-layer | 0x099963068180E0f616A0040f31144b4F6218A1FC                                                                                           |
| {% endtab %}                   |                                                                                                                                      |

{% tab title="Base" %}

| Contract Name                               | Contract Address                                                                                                      |
| ------------------------------------------- | --------------------------------------------------------------------------------------------------------------------- |
| AERO-AToken-base-mainnet                    | [0x3c2b86d6308c24632Bb8716ED013567C952b53AE](https://basescan.org/address/0x3c2b86d6308c24632Bb8716ED013567C952b53AE) |
| AERO-StableDebtToken-base-mainnet           | [0xE37b9Dd1cDF9F411A9F6BB8D0c1Fa2af6B960A47](https://basescan.org/address/0xE37b9Dd1cDF9F411A9F6BB8D0c1Fa2af6B960A47) |
| AERO-VariableDebtToken-base-mainnet         | [0x98Ef767a6184323Bf2788a0936706432698D3400](https://basescan.org/address/0x98Ef767a6184323Bf2788a0936706432698D3400) |
| AEROUSDC\_LP-AToken-base-mainnet            | [0xB6ccD85f92FB9a8bBC99b55091855714aAeEBFEE](https://basescan.org/address/0xB6ccD85f92FB9a8bBC99b55091855714aAeEBFEE) |
| AEROUSDC\_LP-StableDebtToken-base-mainnet   | [0xCD18e7d74d8aE9228c3405149725d7813363fcde](https://basescan.org/address/0xCD18e7d74d8aE9228c3405149725d7813363fcde) |
| AEROUSDC\_LP-VariableDebtToken-base-mainnet | [0x80E898E5AD81940fE094AC3159b08a3494198570](https://basescan.org/address/0x80E898E5AD81940fE094AC3159b08a3494198570) |
| USDC-AToken-base-mainnet                    | [0xd09600475435CaB0E40DabDb161Fb5A3311EFcB3](https://basescan.org/address/0xd09600475435CaB0E40DabDb161Fb5A3311EFcB3) |
| USDC-StableDebtToken-base-mainnet           | [0x1d32fD6F0dDa3F3ef74E5BC3Da3166FEBdd698B5](https://basescan.org/address/0x1d32fD6F0dDa3F3ef74E5BC3Da3166FEBdd698B5) |
| USDC-VariableDebtToken-base-mainnet         | [0xA397391B718f3c7F21c63E8bEb09b66607419C38](https://basescan.org/address/0xA397391B718f3c7F21c63E8bEb09b66607419C38) |
| USDz-AToken-base-mainnet                    | [0x2e1f66d89a95a88AFe594f6ED936B1ca76Efb74C](https://basescan.org/address/0x2e1f66d89a95a88AFe594f6ED936B1ca76Efb74C) |
| USDz-StableDebtToken-base-mainnet           | [0x6017B28d5b8a46474673aD7a4914318Ad5E6dB5E](https://basescan.org/address/0x6017B28d5b8a46474673aD7a4914318Ad5E6dB5E) |
| USDz-VariableDebtToken-base-mainnet         | [0x5E4043a302a827bfA4cb51Fa18C66109683D08eE](https://basescan.org/address/0x5E4043a302a827bfA4cb51Fa18C66109683D08eE) |
| WETH-AToken-base-mainnet                    | [0x4677201DbB575D485ad69E5c5B1e7e7888c3Ab29](https://basescan.org/address/0x4677201DbB575D485ad69E5c5B1e7e7888c3Ab29) |
| WETH-StableDebtToken-base-mainnet           | [0xb375197dC09E06382A05bE306df6a551F08a3B7B](https://basescan.org/address/0xb375197dC09E06382A05bE306df6a551F08a3B7B) |
| WETH-VariableDebtToken-base-mainnet         | [0xfec889b48d8cb51BFd988bF211d4CfE854AF085C](https://basescan.org/address/0xfec889b48d8cb51BFd988bF211d4CfE854AF085C) |
| cbBTC-AToken-base-mainnet                   | [0x0a9de6A7f62754C94b8C98D2e19786CE16E52E2F](https://basescan.org/address/0x0a9de6A7f62754C94b8C98D2e19786CE16E52E2F) |
| cbBTC-StableDebtToken-base-mainnet          | [0x421b63D457466Bb1376Bc5b9d4832790C796FB6a](https://basescan.org/address/0x421b63D457466Bb1376Bc5b9d4832790C796FB6a) |
| cbBTC-VariableDebtToken-base-mainnet        | [0xf71DAd0D9113Ebf3021fDfE2f9d69A77e8ea2bF7](https://basescan.org/address/0xf71DAd0D9113Ebf3021fDfE2f9d69A77e8ea2bF7) |
| cbETH-AToken-base-mainnet                   | [0x033F5d67d4262D53C300A90c01cC2686AD08E3d4](https://basescan.org/address/0x033F5d67d4262D53C300A90c01cC2686AD08E3d4) |
| cbETH-StableDebtToken-base-mainnet          | [0x3b225e017180fd328598d8822D932837716C4802](https://basescan.org/address/0x3b225e017180fd328598d8822D932837716C4802) |
| cbETH-VariableDebtToken-base-mainnet        | [0x316a441f8aD92153807124bB617FAe60dBdDD1c5](https://basescan.org/address/0x316a441f8aD92153807124bB617FAe60dBdDD1c5) |
| {% endtab %}                                |                                                                                                                       |

{% tab title="Corn" %}

| Contract Name                           | Contract Address                                                                                                     |
| --------------------------------------- | -------------------------------------------------------------------------------------------------------------------- |
| LBTC-AToken-corn-mainnet                | [0xBc596C5794C12ea9d41922a5d13Cc1FAdbE4B37f](https://cornscan.io/address/0xBc596C5794C12ea9d41922a5d13Cc1FAdbE4B37f) |
| LBTC-StableDebtToken-corn-mainnet       | [0xd26710c7A18ea0E572aAceF285373fa1C4C9ce45](https://cornscan.io/address/0xd26710c7A18ea0E572aAceF285373fa1C4C9ce45) |
| LBTC-TestnetMintableERC20-corn-mainnet  | [0xecAc9C5F704e954931349Da37F60E39f515c11c1](https://cornscan.io/address/0xecAc9C5F704e954931349Da37F60E39f515c11c1) |
| LBTC-VariableDebtToken-corn-mainnet     | [0xc27Af31Dc029aBC7FE57cdD3f038335074bec2fE](https://cornscan.io/address/0xc27Af31Dc029aBC7FE57cdD3f038335074bec2fE) |
| WBTCN-AToken-corn-mainnet               | [0x126D09B159b8b07985F279f93A55c4c65Af9A1Cb](https://cornscan.io/address/0x126D09B159b8b07985F279f93A55c4c65Af9A1Cb) |
| WBTCN-StableDebtToken-corn-mainnet      | [0x936e510D448054E4a05920d5e92436127f0E1bEa](https://cornscan.io/address/0x936e510D448054E4a05920d5e92436127f0E1bEa) |
| WBTCN-TestnetMintableERC20-corn-mainnet | [0x386E7A3a0c0919c9d53c3b04FF67E73Ff9e45Fb6](https://cornscan.io/address/0x386E7A3a0c0919c9d53c3b04FF67E73Ff9e45Fb6) |
| WBTCN-VariableDebtToken-corn-mainnet    | [0x1624E9561DFB170EF48A5b6974c98Dcf35d63DD2](https://cornscan.io/address/0x1624E9561DFB170EF48A5b6974c98Dcf35d63DD2) |
| eBTC-AToken-corn-mainnet                | [0xfad13D1CDcFBB9042fBec263194D7F48f870e35A](https://cornscan.io/address/0xfad13D1CDcFBB9042fBec263194D7F48f870e35A) |
| eBTC-StableDebtToken-corn-mainnet       | [0x37EAD94959A4f3a44a9a1086af4e364db0854412](https://cornscan.io/address/0x37EAD94959A4f3a44a9a1086af4e364db0854412) |
| eBTC-TestnetMintableERC20-corn-mainnet  | [0x657e8C867D8B37dCC18fA4Caead9C45EB088C642](https://cornscan.io/address/0x657e8C867D8B37dCC18fA4Caead9C45EB088C642) |
| eBTC-VariableDebtToken-corn-mainnet     | [0x967916D3B842944caFd0Ef4A03BFE3Fbeef87f09](https://cornscan.io/address/0x967916D3B842944caFd0Ef4A03BFE3Fbeef87f09) |
| pumpBTC-AToken-corn-mainnet             | [0xCE23e3b746d1425D01df06134680753166b3d02F](https://cornscan.io/address/0xCE23e3b746d1425D01df06134680753166b3d02F) |
| pumpBTC-StableDebtToken-corn-mainnet    | [0xA4A0aED915e563bACcB54D2191cA677475236eD4](https://cornscan.io/address/0xA4A0aED915e563bACcB54D2191cA677475236eD4) |
| pumpBTC-VariableDebtToken-corn-mainnet  | [0x37744f56f31778dBBF5f61d137dB939F5A1e55c4](https://cornscan.io/address/0x37744f56f31778dBBF5f61d137dB939F5A1e55c4) |
| {% endtab %}                            |                                                                                                                      |

{% tab title="Berachain" %}

| Contract Name                              | Address                                                                                                               |
| ------------------------------------------ | --------------------------------------------------------------------------------------------------------------------- |
| eBTC-AToken-berachain-mainnet              | [0xA1346360c5B5b05C379957329AD553a823040a9c](https://berascan.com/address/0xA1346360c5B5b05C379957329AD553a823040a9c) |
| eBTC-StableDebtToken-berachain-mainnet     | [0x802c1e2ec2960BC1a20B072684231849a8c37202](https://berascan.com/address/0x802c1e2ec2960BC1a20B072684231849a8c37202) |
| eBTC-VariableDebtToken-berachain-mainnet   | [0xe70E300D0b06697606C5E733eB2d0Ceb9CDdA05c](https://berascan.com/address/0xe70E300D0b06697606C5E733eB2d0Ceb9CDdA05c) |
| ETH-AToken-berachain-mainnet               | [0x893Dbf4E886488f85B0Ba4B5Ac8e45AC6f3a4f75](https://berascan.com/address/0x893Dbf4E886488f85B0Ba4B5Ac8e45AC6f3a4f75) |
| ETH-StableDebtToken-berachain-mainnet      | [0x047db0362fa8AfC275417Fb87aD4514ff6ADF9D7](https://berascan.com/address/0x047db0362fa8AfC275417Fb87aD4514ff6ADF9D7) |
| ETH-VariableDebtToken-berachain-mainnet    | [0x4ff3Fd28797C3bbd2BA4a13253623df756905dbb](https://berascan.com/address/0x4ff3Fd28797C3bbd2BA4a13253623df756905dbb) |
| HONEY-AToken-berachain-mainnet             | [0x6C8362c4237717a6A1DA87DC933781d2fa002608](https://berascan.com/address/0x6c8362c4237717a6a1da87dc933781d2fa002608) |
| HONEY-StableDebtToken-berachain-mainnet    | [0x292f55e2e753260ac1D48Ea84b37587B2231b30B](https://berascan.com/address/0x292f55e2e753260ac1D48Ea84b37587B2231b30B) |
| HONEY-VariableDebtToken-berachain-mainnet  | [0xCa19a7D43fdB6f2Be9af3970d5E1393D094a5bb6](https://berascan.com/address/0xCa19a7D43fdB6f2Be9af3970d5E1393D094a5bb6) |
| iBGT-AToken-berachain-mainnet              | [0x14a1Ec80053bae6469d97cb5B3fedfAa1d8a6789](https://berascan.com/address/0x14a1Ec80053bae6469d97cb5B3fedfAa1d8a6789) |
| iBGT-StableDebtToken-berachain-mainnet     | [0x8805aC99517816B9336b63C701dF25CbFAA8dBF9](https://berascan.com/address/0x8805aC99517816B9336b63C701dF25CbFAA8dBF9) |
| iBGT-VariableDebtToken-berachain-mainnet   | [0xc8f4FE78375515b6849BE367C411458f6c25A2D3](https://berascan.com/address/0xc8f4FE78375515b6849BE367C411458f6c25A2D3) |
| LBTC-AToken-berachain-mainnet              | [0xB2B4A2886B9E790A6eB8068F544364c589B8205B](https://berascan.com/address/0xB2B4A2886B9E790A6eB8068F544364c589B8205B) |
| LBTC-StableDebtToken-berachain-mainnet     | [0x12ec8Cf95732D534CA3970fdd9cc25f178854757](https://berascan.com/address/0x12ec8Cf95732D534CA3970fdd9cc25f178854757) |
| LBTC-VariableDebtToken-berachain-mainnet   | [0x7E29E47989820477877Ee64F92f55C024A28B3F7](https://berascan.com/address/0x7E29E47989820477877Ee64F92f55C024A28B3F7) |
| NECT-AToken-berachain-mainnet              | [0xa494d58D9fF0165073B81D290c22F6B6f68e1D31](https://berascan.com/address/0xa494d58D9fF0165073B81D290c22F6B6f68e1D31) |
| NECT-StableDebtToken-berachain-mainnet     | [0x67321F550B41E9976D1B2a99a62269Fe11a07888](https://berascan.com/address/0x67321F550B41E9976D1B2a99a62269Fe11a07888) |
| NECT-VariableDebtToken-berachain-mainnet   | [0x51C0a5BFf0b17a5D907B75dD2f61EC3B6BC42806](https://berascan.com/address/0x51C0a5BFf0b17a5D907B75dD2f61EC3B6BC42806) |
| rsETH-AToken-berachain-mainnet             | [0x966473CCa4803725201CCB343fd6dfa027e53Cd3](https://berascan.com/address/0x966473CCa4803725201CCB343fd6dfa027e53Cd3) |
| rsETH-StableDebtToken-berachain-mainnet    | [0x2e9aC4523A9187Bf17b5B91e961C314bded4693A](https://berascan.com/address/0x2e9aC4523A9187Bf17b5B91e961C314bded4693A) |
| rsETH-VariableDebtToken-berachain-mainnet  | [0xe208B81F98E3264249050F2Ba8d21Adf1AF62454](https://berascan.com/address/0xe208B81F98E3264249050F2Ba8d21Adf1AF62454) |
| rswETH-AToken-berachain-mainnet            | [0xf228DC73B2E2906e717365F8897B9fFafb6a8697](https://berascan.com/address/0xf228DC73B2E2906e717365F8897B9fFafb6a8697) |
| rswETH-StableDebtToken-berachain-mainnet   | [0xCD6D03156e03933352B4B292d83165255dDad6A4](https://berascan.com/address/0xCD6D03156e03933352B4B292d83165255dDad6A4) |
| rswETH-VariableDebtToken-berachain-mainnet | [0x8f2f7B3637C52378806af676da2e42F4e7F32c99](https://berascan.com/address/0x8f2f7B3637C52378806af676da2e42F4e7F32c99) |
| sUSDe-AToken-berachain-mainnet             | [0x385867d0742E4855F6391AA778CdC737fE773139](https://berascan.com/address/0x385867d0742E4855F6391AA778CdC737fE773139) |
| sUSDe-StableDebtToken-berachain-mainnet    | [0x621D217BD88ec06cb82F6Fb801e97FA4D63484b3](https://berascan.com/address/0x621D217BD88ec06cb82F6Fb801e97FA4D63484b3) |
| sUSDe-VariableDebtToken-berachain-mainnet  | [0xE479D88d5186D9F1FdBf7b89a7122D733c3EdE8E](https://berascan.com/address/0xE479D88d5186D9F1FdBf7b89a7122D733c3EdE8E) |
| USDC-AToken-berachain-mainnet              | [0x89BEFE1253e6452aEA08Ae297DA9401816B39Cd4](https://berascan.com/address/0x89BEFE1253e6452aEA08Ae297DA9401816B39Cd4) |
| USDC-StableDebtToken-berachain-mainnet     | [0x0c0e63a3A4877f6bf0e3Ce5e7DF7D7C0A896735b](https://berascan.com/address/0x0c0e63a3A4877f6bf0e3Ce5e7DF7D7C0A896735b) |
| USDC-VariableDebtToken-berachain-mainnet   | [0xee9635eC44699264C1074eE18156b22A0E73e76B](https://berascan.com/address/0xee9635eC44699264C1074eE18156b22A0E73e76B) |
| USDe-AToken-berachain-mainnet              | [0x194e899DC8CD36c8BC19613d52130f6b08695773](https://berascan.com/address/0x194e899DC8CD36c8BC19613d52130f6b08695773) |
| USDe-StableDebtToken-berachain-mainnet     | [0x62dC405C88794A82D546a0626Ae8b984EB2d785E](https://berascan.com/address/0x62dC405C88794A82D546a0626Ae8b984EB2d785E) |
| USDe-VariableDebtToken-berachain-mainnet   | [0xda41c182029fb899B9Af1735D3ecCF5bef2F3750](https://berascan.com/address/0xda41c182029fb899B9Af1735D3ecCF5bef2F3750) |
| USDT-AToken-berachain-mainnet              | [0xCa47be2f687E1811a623593752994C74C190b52E](https://berascan.com/address/0xCa47be2f687E1811a623593752994C74C190b52E) |
| USDT-StableDebtToken-berachain-mainnet     | [0x65aDc9081B68954Ae95763D0c0a7a285Bde68B1F](https://berascan.com/address/0x65aDc9081B68954Ae95763D0c0a7a285Bde68B1F) |
| USDT-VariableDebtToken-berachain-mainnet   | [0x5d3Fb96A3707c52D2127342Ab6E73E50917B70cF](https://berascan.com/address/0x5d3Fb96A3707c52D2127342Ab6E73E50917B70cF) |
| WBERA-AToken-berachain-mainnet             | [0x710184c3639e0aBC94f4bd5a59a16B4F5BEDcec6](https://berascan.com/address/0x710184c3639e0aBC94f4bd5a59a16B4F5BEDcec6) |
| WBERA-StableDebtToken-berachain-mainnet    | [0xaEcE9740584F0577D156d64402FD3580B1E6C039](https://berascan.com/address/0xaEcE9740584F0577D156d64402FD3580B1E6C039) |
| WBERA-VariableDebtToken-berachain-mainnet  | [0x7e61e42202A835aa8968A3A5A75AC16b29b77944](https://berascan.com/address/0x7e61e42202A835aa8968A3A5A75AC16b29b77944) |
| weETH-AToken-berachain-mainnet             | [0x6aD5726d6B151f95E1622cf3c1e895C4854aC9ba](https://berascan.com/address/0x6aD5726d6B151f95E1622cf3c1e895C4854aC9ba) |
| weETH-StableDebtToken-berachain-mainnet    | [0x2eaA299c9bF59FF35e9B29bE8f9b8FC0A39Ec64a](https://berascan.com/address/0x2eaA299c9bF59FF35e9B29bE8f9b8FC0A39Ec64a) |
| weETH-VariableDebtToken-berachain-mainnet  | [0x574e5a73eA36b886b0B3b0A461a6dDdEee59C168](https://berascan.com/address/0x574e5a73eA36b886b0B3b0A461a6dDdEee59C168) |
| {% endtab %}                               |                                                                                                                       |

{% tab title="Abstract" %}

| Contract Name                           | Address                                                                                                                           |
| --------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------- |
| PENGU-AToken-AbstractMainnet            | [0x7E952211Bb02Cdb10FCa14e9F67c5FAc108b7E35](https://explorer.testnet.abs.xyz/address/0x7E952211Bb02Cdb10FCa14e9F67c5FAc108b7E35) |
| PENGU-StableDebtToken-AbstractMainnet   | [0xD4152Caa26237260fDf3C4229d8dc290b1e77109](https://explorer.testnet.abs.xyz/address/0xD4152Caa26237260fDf3C4229d8dc290b1e77109) |
| PENGU-VariableDebtToken-AbstractMainnet | [0xFb05B822c938a62CAA4149f4233bCB078F6304b9](https://explorer.testnet.abs.xyz/address/0xFb05B822c938a62CAA4149f4233bCB078F6304b9) |
| USDC-AToken-AbstractMainnet             | [0xD0fd640b85fAa220CD9A992661F0743F9bD515c5](https://explorer.testnet.abs.xyz/address/0xD0fd640b85fAa220CD9A992661F0743F9bD515c5) |
| USDC-StableDebtToken-AbstractMainnet    | [0xef6990A959B54Ca5B3bc4A0137debbC2B08C566d](https://explorer.testnet.abs.xyz/address/0xef6990A959B54Ca5B3bc4A0137debbC2B08C566d) |
| USDC-VariableDebtToken-AbstractMainnet  | [0x5bEb1241bBc5280dde2c7b779fb522aaC3c1F679](https://explorer.testnet.abs.xyz/address/0x5bEb1241bBc5280dde2c7b779fb522aaC3c1F679) |
| USDT-AToken-AbstractMainnet             | [0x4F74bd977f39c7EB8D4cF3DE2245efB62508dA8d](https://explorer.testnet.abs.xyz/address/0x4F74bd977f39c7EB8D4cF3DE2245efB62508dA8d) |
| USDT-StableDebtToken-AbstractMainnet    | [0x9550d0b932A1d472197BFf56B3B443bD99C88772](https://explorer.testnet.abs.xyz/address/0x9550d0b932A1d472197BFf56B3B443bD99C88772) |
| USDT-VariableDebtToken-AbstractMainnet  | [0xBdD550494FA193ae5fD784A5dF32898A5BD6089C](https://explorer.testnet.abs.xyz/address/0xBdD550494FA193ae5fD784A5dF32898A5BD6089C) |
| WETH-AToken-AbstractMainnet             | [0x6935064718C6C1bc3806c130F91EeD71A5a98be0](https://explorer.testnet.abs.xyz/address/0x6935064718C6C1bc3806c130F91EeD71A5a98be0) |
| WETH-StableDebtToken-AbstractMainnet    | [0x73B62Aa3e6445208Fe05E02E2d5c8990aDecD00c](https://explorer.testnet.abs.xyz/address/0x73B62Aa3e6445208Fe05E02E2d5c8990aDecD00c) |
| WETH-VariableDebtToken-AbstractMainnet  | [0xFa9FbB26c7B89893047C07D5BCe2CE849949F91F](https://explorer.testnet.abs.xyz/address/0xFa9FbB26c7B89893047C07D5BCe2CE849949F91F) |
| {% endtab %}                            |                                                                                                                                   |

{% tab title="Hemi" %}

| Contract Name                          | Address                                                                                                                    |
| -------------------------------------- | -------------------------------------------------------------------------------------------------------------------------- |
| hemiBTC-AToken-hemi-mainnet            | [0x0300FAE55cEE71a38fd80dF46Ed005Dbb40b11D7](https://explorer.hemi.xyz/address/0x0300FAE55cEE71a38fd80dF46Ed005Dbb40b11D7) |
| hemiBTC-StableDebtToken-hemi-mainnet   | [0x65c2Dd0Af6C8FC10B2cA7D228c024c718E5eFB83](https://explorer.hemi.xyz/address/0x65c2Dd0Af6C8FC10B2cA7D228c024c718E5eFB83) |
| hemiBTC-VariableDebtToken-hemi-mainnet | [0xAb3a8aEeaFcfAEEe357dB1A92f44587d70A7AD60](https://explorer.hemi.xyz/address/0xAb3a8aEeaFcfAEEe357dB1A92f44587d70A7AD60) |
| MBTC-AToken-hemi-mainnet               | [0x65394234796c6df1F1749cc86959162faBA3c9ff](https://explorer.hemi.xyz/address/0x65394234796c6df1F1749cc86959162faBA3c9ff) |
| MBTC-StableDebtToken-hemi-mainnet      | [0x57576485BEf9683c0Bcd1714401B57Ade6629E72](https://explorer.hemi.xyz/address/0x57576485BEf9683c0Bcd1714401B57Ade6629E72) |
| MBTC-VariableDebtToken-hemi-mainnet    | [0x5f9d238DbADeabfc4300D7086F7C9FEfad1301bd](https://explorer.hemi.xyz/address/0x5f9d238DbADeabfc4300D7086F7C9FEfad1301bd) |
| pumpBTC-AToken-hemi-mainnet            | [0x341f4b7F8Ef76d7d8fF024cCa0AA4eA16371DfeF](https://explorer.hemi.xyz/address/0x341f4b7F8Ef76d7d8fF024cCa0AA4eA16371DfeF) |
| pumpBTC-StableDebtToken-hemi-mainnet   | [0xf4CEB2416f2d028CAA0aa3F01B11FC6bD7774f13](https://explorer.hemi.xyz/address/0xf4CEB2416f2d028CAA0aa3F01B11FC6bD7774f13) |
| pumpBTC-VariableDebtToken-hemi-mainnet | [0xdc44c343824798f57fa294Cf521a864b04Dd1BeE](https://explorer.hemi.xyz/address/0xdc44c343824798f57fa294Cf521a864b04Dd1BeE) |
| rsETH-AToken-hemi-mainnet              | [0x93101C75Ba01877d5719Bf1063129995fd552982](https://explorer.hemi.xyz/address/0x93101C75Ba01877d5719Bf1063129995fd552982) |
| rsETH-StableDebtToken-hemi-mainnet     | [0xb6FF6beE848c1de0651Ee838F16eC63A78b061f4](https://explorer.hemi.xyz/address/0xb6FF6beE848c1de0651Ee838F16eC63A78b061f4) |
| rsETH-VariableDebtToken-hemi-mainnet   | [0x961a14Baa7110939eda43ceBC61197087D26fE75](https://explorer.hemi.xyz/address/0x961a14Baa7110939eda43ceBC61197087D26fE75) |
| USDC-AToken-hemi-mainnet               | [0x9D6256c132EdE5CEf0C0F2041E81831ae1eA5838](https://explorer.hemi.xyz/address/0x9D6256c132EdE5CEf0C0F2041E81831ae1eA5838) |
| USDC-StableDebtToken-hemi-mainnet      | [0xa7c5eAe8042564dF81518bD1F994AC84B53BaBe3](https://explorer.hemi.xyz/address/0xa7c5eAe8042564dF81518bD1F994AC84B53BaBe3) |
| USDC-VariableDebtToken-hemi-mainnet    | [0x9076292c7203ba41A03dC59758aC4321eA54Cc03](https://explorer.hemi.xyz/address/0x9076292c7203ba41A03dC59758aC4321eA54Cc03) |
| USDT-AToken-hemi-mainnet               | [0xA9D26645559c765190d6D72370fd68C084BC56d3](https://explorer.hemi.xyz/address/0xA9D26645559c765190d6D72370fd68C084BC56d3) |
| USDT-StableDebtToken-hemi-mainnet      | [0x62eb4696Ba6Bc9978B36C7Dad4Eed2a1E518C871](https://explorer.hemi.xyz/address/0x62eb4696Ba6Bc9978B36C7Dad4Eed2a1E518C871) |
| USDT-VariableDebtToken-hemi-mainnet    | [0x4852f3d4986F25e71379db7Cd41dB7D6C44ecfA9](https://explorer.hemi.xyz/address/0x4852f3d4986F25e71379db7Cd41dB7D6C44ecfA9) |
| VUSD-AToken-hemi-mainnet               | [0x007a47d8e27Cd142e300737296121aD11FfEFD8e](https://explorer.hemi.xyz/address/0x007a47d8e27Cd142e300737296121aD11FfEFD8e) |
| VUSD-StableDebtToken-hemi-mainnet      | [0x8F3E2C8C4c66Fb473227fF4679BC6E2E398995A5](https://explorer.hemi.xyz/address/0x8F3E2C8C4c66Fb473227fF4679BC6E2E398995A5) |
| VUSD-VariableDebtToken-hemi-mainnet    | [0x02c20e02b8f5FB96FF975e0Fc3f5E852e8936638](https://explorer.hemi.xyz/address/0x02c20e02b8f5FB96FF975e0Fc3f5E852e8936638) |
| WBTC-AToken-hemi-mainnet               | [0x4Cd05D0B76E0bd902494Ac41f76970b0516FE284](https://explorer.hemi.xyz/address/0x4Cd05D0B76E0bd902494Ac41f76970b0516FE284) |
| WBTC-StableDebtToken-hemi-mainnet      | [0xa27eBaAD7A92E5579DD248f6b6b1F8D2CF415007](https://explorer.hemi.xyz/address/0xa27eBaAD7A92E5579DD248f6b6b1F8D2CF415007) |
| WBTC-VariableDebtToken-hemi-mainnet    | [0x15f1Ffa884Dd3635972B963DB9ca6c00F60b2Ed8](https://explorer.hemi.xyz/address/0x15f1Ffa884Dd3635972B963DB9ca6c00F60b2Ed8) |
| WETH-AToken-hemi-mainnet               | [0x568059251E0FC2DF2558671507eF5d7A59dcc6C3](https://explorer.hemi.xyz/address/0x568059251E0FC2DF2558671507eF5d7A59dcc6C3) |
| WETH-StableDebtToken-hemi-mainnet      | [0x2d861763d7416B0D693BaDc1A358f727E99C9E88](https://explorer.hemi.xyz/address/0x2d861763d7416B0D693BaDc1A358f727E99C9E88) |
| WETH-VariableDebtToken-hemi-mainnet    | [0x0c5e1E5d86C208CC3A6282bEF3859CedFBCb65C1](https://explorer.hemi.xyz/address/0x0c5e1E5d86C208CC3A6282bEF3859CedFBCb65C1) |

{% endtab %}

{% tab title="Zircuit" %}

| Contract Name                          | Contract Address                                                                                                              |
| -------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------- |
| WETH-AToken-zircuit-mainnet            | [0xE4D979A39AAf84757c06a6843F549aaF93921498](https://explorer.zircuit.com/address/0xE4D979A39AAf84757c06a6843F549aaF93921498) |
| WETH-StableDebtToken-zircuit-mainnet   | [0xA7698fd08d5CF5A4E8113BF5F54CEE35FF70C035](https://explorer.zircuit.com/address/0xA7698fd08d5CF5A4E8113BF5F54CEE35FF70C035) |
| WETH-VariableDebtToken-zircuit-mainnet | [0xc669e9570014A8139504E300f7308F172AF06124](https://explorer.zircuit.com/address/0xc669e9570014A8139504E300f7308F172AF06124) |
| {% endtab %}                           |                                                                                                                               |
| {% endtabs %}                          |                                                                                                                               |


# Timelocked Multisig Admin

This page discusses the timelock admin contract that governs ZeroLend’s administrative functions.

ZeroLend uses a time lock mechanism on all administrative functions, including proxy contracts, to strengthen our protocol’s security. A multi-signature contract oversees our timelock mechanism.

A time-locked multi-sig admin will secure our protocol until we introduce decentralized governance to govern ZeroLend. Any transaction proposal requires a consensus of at least three out of five authorized parties (previously, from two out of three). The proposed transaction becomes executable only after a designated 5-day waiting period (from a 24-hour waiting period previously), which can be extended if necessary.

Here are the contract addresses for your reference:

* Timelock Contract: [0x861cC6724D0aA7Ec7a868887643e682b1c16aeeC](https://era.zksync.network/address/0x861cC6724D0aA7Ec7a868887643e682b1c16aeeC) (Old) [0x00000ab6ee5a6c1a7ac819b01190b020f7c6599d](https://lineascan.build/address/0x00000ab6ee5a6c1a7ac819b01190b020f7c6599d) (New)
* Safe Contract (Multisig): [0x1890F9204882dfa1B8f0AEaF56ae9b2ed149D18d](https://app.safe.global/transactions/history?safe=zksync:0x1890F9204882dfa1B8f0AEaF56ae9b2ed149D18d) (Old) [0x14aAD4668de2115e30A5FeeE42CFa436899CCD8A](https://safe.linea.build/settings/setup?safe=linea:0x14aAD4668de2115e30A5FeeE42CFa436899CCD8A) (New)

These wallet addresses have the authority to sign transactions within the multi-sig contract:

* ZeroLend Team #1: [0x09869dF9b616b3e60E7782f6a675d135f17051FD](https://era.zksync.network/address/0x09869df9b616b3e60e7782f6a675d135f17051fd)
* ZeroLend Team #2: [0xb76F765A785eCa438e1d95f594490088aFAF9acc](https://era.zksync.network/address/0xb76F765A785eCa438e1d95f594490088aFAF9acc)
* ZeroLend Cold Wallet: [0x6aac0942B8147BffAB73789a82EE12fDA7735BAc](https://era.zksync.network/address/0x6aac0942b8147bffab73789a82ee12fda7735bac)

The source code for the various contracts, including their deployment scripts, can be found here: <https://github.com/zerolend/governance>[governance](https://github.com/zerolend/governance)

{% embed url="<https://github.com/zerolend/governance>" %}


# Insurance Fund

This section talks about our unique approach to add another safety layer for our users.

Our Insurance Fund is a reserve of funds set aside to cover unexpected losses or events within the ZeroLend ecosystem. A percentage of fees generated by the platform is allocated to this fund, ensuring it grows over time. The primary purpose of the Insurance Fund is to safeguard user assets and provide compensation in the event of unforeseen circumstances.&#x20;

In traditional finance, banks often insure their customers' deposits. This insurance acts as a safety net, ensuring that depositors' funds are protected up to a certain limit even if the bank faces financial difficulties. Similarly, at ZeroLend, we are committed to building a safety net for our users.

## ZeroLend is the only protocol with an Insurance Fund &#x20;

ZeroLend is the only lending protocol on zkSync that has a native insurance fund. Our insurance fund is our commitment to providing a secure and reliable platform for our users. We aim to create a financial cushion to protect user assets in unexpected events by setting aside some fees to fund the insurance fund.

## How the Insurance Fund Works?

In the event of issues like smart contract vulnerability or system failure, the insurance fund can be utilized to compensate affected users. This compensation will cover losses and secure users from financial harm.&#x20;


# Basic Tutorials

{% content-ref url="/pages/lQ5jH2HcLZQNNjpwwUjm" %}
[Supply Assets](/tutorials/basic-tutorials/supply-assets)
{% endcontent-ref %}

{% content-ref url="/pages/Xf0MegjjkugTEsQfY0cl" %}
[Borrow Collateral](/tutorials/basic-tutorials/borrow-collateral)
{% endcontent-ref %}


# Supply Assets

This page discusses how you can supply assets on ZeroLend.

ZeroLend’s lending and borrowing are currently live on [Ethereum](https://app.zerolend.xyz/?marketName=proto_mainnet_lrt_v3), [Linea](https://app.zerolend.xyz/?marketName=proto_linea_v3), [Blast](https://app.zerolend.xyz/?marketName=proto_blast_v3), [zkSync](https://app.zerolend.xyz/?marketName=proto_zksync_era_v3),  [Manta Network](https://app.zerolend.xyz/?marketName=proto_manta_v3), [Base](https://app.zerolend.xyz/rewards/?marketName=proto_base_v3), [Corn](https://app.zerolend.xyz/?marketName=proto_corn_v3), [Berachain](https://app.zerolend.xyz/?marketName=proto_barito_v3) (Coming Soon...). We are also live on our [ETH LRT](https://app.zerolend.xyz/?marketName=proto_mainnet_lrt_v3), [BTC LRT](https://app.zerolend.xyz/?marketName=proto_mainnet_btc_v3), and [RWA markets](https://app.zerolend.xyz/?marketName=proto_mainnet_rwa_v3).

For this tutorial, we will deposit $ETH on our [Linea Market](https://app.zerolend.xyz/?marketName=proto_linea_v3).&#x20;

{% hint style="info" %}
Please note that depositing assets across all our markets will follow a similar process.&#x20;
{% endhint %}

By supplying assets on ZeroLend, you will earn a competitive supply APY, Zero Gravity points, and points from our partner projects, if any. You can also borrow our supported assets against your deposited collateral.&#x20;

Here’s how to deposit/supply assets on ZeroLend:

### Step 1: Select your preferred ZeroLend Market

1. Go to <https://app.zerolend.xyz/> and select your preferred market from the dropdown menu. For this tutorial, we have selected 'Linea.'&#x20;

<figure><img src="/files/zGA8h4L7gMipw6OquWOB" alt=""><figcaption></figcaption></figure>

2. Once you select a market, connect your wallet using the ‘Connect wallet’ option at the top right of your ZeroLend homepage.&#x20;

<figure><img src="/files/Uyl9TPc69f1xOmtvjfSE" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
Ensure you have switched to the appropriate chain on your wallet before connecting to ZeroLend. For example, if you have selected the Linea Market, switch to the Linea mainnet on your wallet before connecting to ZeroLend.
{% endhint %}

### Step 2: Select the asset you wish to deposit or supply&#x20;

1. Once you have connected your wallet, use the search bar to find the asset. Simply scroll down our supported asset list.
2. After finding your preferred asset, click the ‘Details’ button to know the supply and borrow details.&#x20;

<figure><img src="/files/ewlVB8qAH9hRgIhtqseJ" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/GyjVGN6YlnPzc6xjo5kV" alt=""><figcaption></figcaption></figure>

3. If you are satisfied with the supply terms, navigate to the ‘Your Info’ section on the right and click ‘Supply’ to proceed with the deposit.

<figure><img src="/files/zN14NlvLoAbAMWrJytS1" alt=""><figcaption></figcaption></figure>

### Step 3: Enter the amount and complete the deposit&#x20;

1. Enter the amount of $ETH you wish to deposit and click on ‘Supply ETH’ to complete the transaction. Then, approve the deposit transaction in your wallet.

<figure><img src="/files/PjaULxEQSGPzQDvLJeHQ" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/UgeD4uFRSVTbtj02oTxR" alt=""><figcaption></figcaption></figure>

2. Now, add the z0token to your wallet and close the deposit window.

<figure><img src="/files/T9z5ID9mAOlWYJMMv9qU" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/s5sjdGFvsO08HvqLaXsB" alt=""><figcaption></figcaption></figure>

3. You have successfully deposited $ETH on ZeroLend’s Linea Market.&#x20;

Go to your ZeroLend ‘Dashboard’ from the top navigation bar to check the assets you supply. On the ZeroLend dashboard, you will see all the details, including supplied assets, assets available to borrow, available rewards, etc.<br>

<figure><img src="/files/3RiDEPiNCoMscAzxLL0H" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/ZwXKqzS1LrPSDRQ9oqT6" alt=""><figcaption></figcaption></figure>


# Borrow Collateral

This page discusses how to borrow assets on ZeroLend.

ZeroLend’s lending and borrowing are currently live on [Ethereum](https://app.zerolend.xyz/?marketName=proto_mainnet_lrt_v3), [Linea](https://app.zerolend.xyz/?marketName=proto_linea_v3), [Blast](https://app.zerolend.xyz/?marketName=proto_blast_v3), [zkSync](https://app.zerolend.xyz/?marketName=proto_zksync_era_v3), and [Manta Network ](https://app.zerolend.xyz/?marketName=proto_manta_v3)(this is an evolving list).&#x20;

For this step-by-step guide, we will borrow $ETH on our [Linea Market](https://app.zerolend.xyz/?marketName=proto_linea_v3).&#x20;

{% hint style="info" %}
Please note that borrowing assets across all our supported markets will follow a similar process.&#x20;
{% endhint %}

By depositing assets on ZeroLend, you will earn attractive borrow APY, Zero Gravity points, and points from our partner projects, if any. &#x20;

You can borrow assets on ZeroLend in 3 simple steps:

### Step 1: Supply the required collateral

1. If you haven’t supplied any assets on ZeroLend yet. Follow this [guide](/tutorials/basic-tutorials/supply-assets) and deposit any of our supported assets on ZeroLend.&#x20;
2. If collateralization is not enabled by default, enable it. To do so, visit the ZeroLend dashboard and enable the collateralization option for the asset you wish to pledge under the ‘Your supplies’ tab.

<figure><img src="/files/sdeQ9ABOz05Eb7XvafnN" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/IExF3pDYr6ImMmlysoKs" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/TguFJGu6WfE0Zx7d3anH" alt=""><figcaption></figcaption></figure>

### Step 2: Borrow your preferred asset&#x20;

1. Once you have connected your wallet on ZeroLend, go to your dashboard: <https://app.zerolend.xyz/dashboard/>

You will see the assets you can borrow under the ‘Assets to borrow’ section on the right.&#x20;

<figure><img src="/files/75OKeEbrCF4sIHzo5uAr" alt=""><figcaption></figcaption></figure>

2. Select the asset you want to borrow and click ‘Details’ to check the borrow terms. For this tutorial, we have selected $ETH.&#x20;

   <figure><img src="/files/RXLHSnwwtMPFJwvjLQ3b" alt=""><figcaption></figcaption></figure>
3. Please carefully read all the borrowed info. If you agree with the terms, click ‘Borrow’ to borrow $ETH. We provide both $WETH and $ETH borrowing options. Select one before you click 'Borrow.'

<figure><img src="/files/4dYn2julsifrr8bZX1Fv" alt=""><figcaption></figcaption></figure>

### Step 3: Enter the amount and confirm the loan&#x20;

1. Specify the $ETH amount you wish to borrow. Ensure the borrowed amount is significantly under your borrowing power based on your deposited collateral.
2. Click ‘Borrow ETH’ and approve the transaction in your wallet to take the loan.&#x20;

<figure><img src="/files/vbgbqNoS7mcLiSGgN7Pt" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/pV4c39r9whUZToWXPYG1" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/zdGrPXotvP5G5lSXWOA2" alt=""><figcaption></figcaption></figure>

You have now successfully borrowed $ETH on ZeroLend.&#x20;

To get a complete overview of your supplied and borrowed assets, navigate to ‘Dashboard’ from the top navigation bar. You will also see the available rewards on your ZeroLend dashboard.

<figure><img src="/files/KC27uFdP3Hzcjoc2Axn1" alt=""><figcaption></figcaption></figure>

<br>


# Claim ZERO

This page explains how ZeroLend users and investors can claim their $ZERO tokens on launch.

{% hint style="info" %}
$ZERO allocation for users who redeem their Zero Gravity points or $earlyZERO tokens for $ZERO follows the same vesting schedule:&#x20;

* 40% of the airdrop allocation will be distributed upfront to users.&#x20;
* The remaining 60% will have a 6-month cliff and 3-month linear vesting schedule
  {% endhint %}

ZeroLend users and investors can claim the upfront $ZERO tokens and stake the remaining tokens.&#x20;

Let's dive into the 2 categories of users and the step-by-step guide for both:&#x20;

* Airdrop users
* Investors&#x20;

***

### Airdrop Users&#x20;

All eligible airdrop users can claim $ZERO against their $earlyZERO tokens and Zero Gravity points.&#x20;

Your $ZERO allocation will depend on the $earlyZERO tokens and Zero Gravity points you have accumulated. It will be automatically converted to ZERO on launch, and users will only be able to see their final ZERO airdrop.&#x20;

<figure><img src="/files/En0FoL2ag64koR7h1OIL" alt=""><figcaption></figcaption></figure>

Please note that we have allocated a major portion of the $ZERO airdrop to the liquidity providers on our lending markets.&#x20;

{% hint style="info" %}
Tokens earned are vested with 40% unlock, 6 months cliff, followed by 3 months linear vesting.
{% endhint %}

Users can claim upfront tokens and stake vested tokens without waiting for the vesting period to end, and they will receive staking benefits.

#### Here's a simple guide that users can refer to for claiming:&#x20;

Step 1: Go to the rewards tab on app.zerolend.xyz and connect your wallet.

Step 2: Your accumulated ZERO will show under the airdrop section.

Step 3: Click on the **Claim** button. This will open up a claim modal.&#x20;

<figure><img src="/files/wYKKUZqm68NL6pXbyDxx" alt=""><figcaption></figcaption></figure>

Step 5: After confirming the details on this screen, you can click on the claim ZERO button &#x20;

<figure><img src="/files/YonDJ8f4O2ZkF2DSAeiZ" alt=""><figcaption></figcaption></figure>

Step 6: Confirm the transactions on your wallet. &#x20;

After claiming, you will receive the claimed ZERO tokens in your wallet, and the rest of the vested tokens will be converted into a vest and be visible on the same rewards tab.&#x20;

{% hint style="warning" %}
[If you fail to claim your airdrop tokens for 30 days from May 06, 2024 (TGE), your tokens will be returned to the treasury. ](#user-content-fn-1)[^1]
{% endhint %}

***

### Private Sale Investors

Investors, advisors, and all individuals can claim their tokens via vests on the Rewards tab.&#x20;

<figure><img src="/files/yyYBhKshxSKVtSovuBGf" alt=""><figcaption></figcaption></figure>

Investors will receive a vest showing their allocation with the cliff duration, vesting period, and all the other details here before TGE.

Similar to airdrop users, investors can claim upfront tokens and stake vested tokens without waiting for the vesting period to end and receive staking benefits.

#### Here's a simple guide that investors can refer to:&#x20;

Step 1: Go to the rewards tab on app.zerolend.xyz and connect your wallet.

Step 2: Your vest will show up here:

<figure><img src="/files/kRwPcgZNrD7r9Yfq96HP" alt=""><figcaption></figcaption></figure>

Step 3: Investors have an option to:

**Claim - this will claim your upfront tokens in your wallet.**

<figure><img src="/files/tvYFuXI4Ruflcda5FPkx" alt=""><figcaption></figcaption></figure>

Step 4a: Click on the **claim** button.

Step 4b: Confirm transactions on your wallet.

OR&#x20;

**Stake—This will stake any unclaimed upfront tokens and the rest of the vested tokens that have yet to be unlocked.**

<figure><img src="/files/Xxa6JMZzwINYSvMU6ijn" alt=""><figcaption></figcaption></figure>

Step 4a: Click on the **Stake Vest** button

Step 4b: Confirm transactions on your wallet.

Once you staked, your positions will be visible under the stake page as an NFT.&#x20;

[^1]:


# Stake ZERO

Here you can stake ZERO for veZERO and enjoy staking benefits.

$ZERO stakers receive voting power, staking rewards, and potential future airdrops from other protocols based on their voting power.&#x20;

Your veZERO or voting power is based on the number of tokens you stake and for the period you stake it.&#x20;

You receive a staking bonus of 5-20% if you stake for longer than 1 year. &#x20;

There are two ways you can stake:&#x20;

* Stake tokens&#x20;
* Stake vests&#x20;

After staking, your active staking position will show as NFTs on the same page.&#x20;

***

### Stake your Tokens&#x20;

If you have ZERO tokens in your wallet you can stake it through this section.&#x20;

<figure><img src="/files/VWQJRDPDSzI8mtWUd95N" alt=""><figcaption></figcaption></figure>

#### Here's the step-by-step guide on how you can stake your tokens&#x20;

Step 1: Connect your wallet to app.zerolend.xyz&#x20;

If you don't have ZERO tokens, you can buy them from a CEX or DEX like Lynex on Linea (CA: <https://lineascan.build/address/0x78354f8dccb269a615a7e0a24f9b0718fdc3c7a7>)

Step 2: Go to the Stake page on the app&#x20;

<figure><img src="/files/4oc7lfQjraz6RwYxMg1v" alt=""><figcaption></figcaption></figure>

Step 3: Input the number of tokens you would like to stake.

Step 4: Click on **Stake.**

Step 5: Click on **Approve ZERO.**

<figure><img src="/files/62bO8derX7rV8WI774XN" alt=""><figcaption></figcaption></figure>

Step 6: Confirm the transactions on your wallet&#x20;

***

### Stake your Vest&#x20;

Vest holders can stake their vested tokens and enjoy staking benefits without having to wait for the vested tokens to become claimable.&#x20;

Your vests will show on the Rewards tab. Here are the steps you need to take to stake your vest:&#x20;

<figure><img src="/files/iEjJ6UEEJjZbEP0rkDbi" alt=""><figcaption></figcaption></figure>

Step 1: Go to the rewards tab on app.zerolend.xyz&#x20;

Step 2: If you have an active vest (tokens that are in vesting), they will show here:

<figure><img src="/files/Z864AZV4cxLGfgnF1OAN" alt=""><figcaption></figcaption></figure>

Step 3: Click on **Stake**, and it will open a modal&#x20;

<figure><img src="/files/erDmPaUW1e1rMXpUaz4R" alt=""><figcaption></figcaption></figure>

Step 4: Click on **Stake Vest.**

Step 5: Confirm the transactions on your wallet.

***

### Your Staking Positions

Your staking positions will be visible as NFTs here. You can withdraw your staked tokens after the lock period is over.

<figure><img src="/files/8HsTCXoGTQFRUtazCgEC" alt=""><figcaption></figcaption></figure>


# Yield Strategies

{% content-ref url="/pages/yIsdNHPdXwIu9WYX8SuW" %}
[Passive LRT Strategies](/tutorials/yield-strategies/passive-lrt-strategies)
{% endcontent-ref %}

{% content-ref url="/pages/miTwdYDpiJcAsO0oJufm" %}
[Leverage Exposure](/tutorials/yield-strategies/how-to-leverage-yield-farm)
{% endcontent-ref %}


# Passive LRT Strategies

This page will discuss how to earn boosted yields on LRT assets.

ZeroLend supports a wide range of LRTs across multiple networks—including Ethereum and Bitcoin—to help you leverage the growing LRT ecosystem. By supplying LRTs on ZeroLend, you can access:

* **Competitive Supply APY**
* **Zero Gravity Points**
* **EigenLayer Points**
* **Points from Our LRT Partner Protocols**

{% hint style="info" %}
**Note**: LRT reward points can change based on evolving partnership terms, supply/borrow conditions, and other factors.
{% endhint %}

***

## BTC LRT Market

ZeroLend has expanded to support **Bitcoin** Liquid Restaking Tokens **(BTC LRTs)** on the mainnet, which enables Bitcoin holders to benefit from staking/locking rewards while engaging with DeFi. Some examples include **cbBTC**, **eBTC**, **LBTC**, **MBTC**, **SolvBTC**, and **WBTC**.

#### How to Earn BTC LRT Yields on ZeroLend

1. **Acquire BTC LRT Tokens:** Obtain BTC LRT (e.g., cbBTC, eBTC) from its issuing protocol or a supporting exchange.
2. **Navigate to ZeroLend:** Visit <https://app.zerolend.xyz> and switch to the **Bitcoin LRTs Market** from the dropdown menu.
3. **Select Your BTC LRT:** From the list of supported assets (e.g., cbBTC, eBTC, LBTC), review the supply APY and any additional rewards.
4. **Supply BTC LRT:**
   * Click “Details” to confirm APY and other terms.
   * Enter the amount of BTC LRT you’d like to deposit and complete the supply transaction.

{% hint style="info" %}
**Tip**: If you do not hold any BTC LRT, refer to the issuing protocol’s documentation to convert your BTC into an LRT token.
{% endhint %}

***

## ETH LRT Market

Similar to BTC LRT markets, ZeroLend also supports **Ethereum-based LRTs**, which represent staked or restaked ETH via protocols leveraging EigenLayer or other infrastructures. Below are examples of how to supply specific Ethereum LRTs for boosted yields on ZeroLend.

### How to supply $ezETH on ZeroLend?

Renzo Protocol is a Liquid Restaking Token (LRT) with EigenLayer as a backend infrastructure. Its liquid restaking token, $ezETH, offers a higher yield than you’d get from just staking your ETH.

Start accumulating boosted yields on $ezETH in just 4 simple steps:

**Step 1:** If you don’t hold $ezETH, navigate to [Renzo Protocol](https://www.renzoprotocol.com/) and mint $ezETH by staking $ETH.&#x20;

**Step 2:** Visit <https://app.zerolend.xyz> and select Ethereum LRTs Market from the dropdown menu.&#x20;

**Step 3:** Select $ezETH from the supported assets and review the supply terms, including APY.&#x20;

**Step 4:** If you agree with the terms, enter the $ezETH amount you wish to supply and complete the deposit.&#x20;

Check our guide on How to Supply on ZeroLend for a detailed walkthrough

{% content-ref url="/pages/lQ5jH2HcLZQNNjpwwUjm" %}
[Supply Assets](/tutorials/basic-tutorials/supply-assets)
{% endcontent-ref %}

### How to supply $pufETH on ZeroLend?

Puffer Finance is a decentralized native liquid restaking protocol (nLRP) deployed on EigenLayer. &#x20;

**Step 1:** You can get $pufETH by staking $ETH on [Puffer Finance](https://www.puffer.fi/).&#x20;

**Step 2:** Once you receive $pufETH, go to <https://app.zerolend.xyz> and switch to our Ethereum LRTs Market.&#x20;

**Step 3:** Select $pufETH from the supported assets and click ‘Details’ to review the supply APY.&#x20;

**Step 4:** Once you agree with the terms, supply $pufETH and complete the deposit.&#x20;

### How to supply $rsETH on ZeroLend?

Kelp's liquid restaked token, $rsETH, offers liquidity to illiquid assets deposited into staking platforms, such as EigenLayer.&#x20;

Supply $rsETH on ZeroLend to earn yields:&#x20;

**Step 1:** To mint $rsETH, stake your $ETH on [KelpDAO](https://www.kelpdao.xyz/).&#x20;

**Step 2:** Navigate to our website - <https://app.zerolend.xyz> and select Ethereum LRTs Market.&#x20;

**Step 3:** Select $rsETH from the supported assets and review the supply terms.&#x20;

**Step 4:** After thoroughly reading the supply terms and agreeing to them, click ‘Supply’ to proceed with the deposit.&#x20;

### How to supply $weETH on ZeroLend?&#x20;

$weETH is EtherFi's restaked token.&#x20;

**Step 1:** Connect your wallet on[ EtherFi ](https://app.ether.fi/eeth)and stake your Ethereum on their dAPP to receive $eETH

**Step 2:** Wrap your $eETH to $weETH on the same tab.

**Step 3:** Visit our website <https://app.zerolend.xyz> and connect your wallet to our Ethereum LRTs Market. &#x20;

**Step 4:** Now select $weETH and click ‘Details’ to review the supply APY and other terms. &#x20;

**Step 5:** If you agree to the supply terms, click ‘Supply,’ enter the $weETH amount you wish to supply, and complete the deposit.&#x20;

***

Please find the list of supported LRTs and chains [here](/features/lrt-lending-market#lrts-on-zerolend).&#x20;

**Disclaimer:**&#x20;

*Our tutorials and guides are only for educational purposes. Any information mentioned in this guide is not an endorsement, buy/sell recommendation, or investment advice. We shall have no liability regarding your use of our partner protocols, such as Rezno Protocol, Puffer Finance, KelpDAO, ether.fi, or third-party applications.*&#x20;


# Leverage Exposure

This page explains how to leverage your exposure to a particular crypto asset on ZeroLend.

## What is leveraging?

In decentralized lending platforms like ZeroLend, leveraging or yield farming involves utilizing borrowed assets to increase your holdings of a particular cryptocurrency or token. This approach is used by traders and investors to potentially generate greater returns from market movements. However, it's important to approach leveraging cautiously, as it increases both profits and the risk of losses.&#x20;

In the following sections, we'll guide you through the process of leveraging the ZeroLend platform. On this platform, you can deposit collateral, borrow funds, and strategically increase your exposure to a selected asset. <br>

{% hint style="warning" %}
Remember that leveraging requires a solid understanding of the risks and a detailed strategy tailored to your investment goals.
{% endhint %}

## How does it work?

Yield farming is one of ZeroLend's major use cases. Users can deposit their assets and borrow stablecoins ($USDC/$USDT) or $ETH against the deposited asset.

<figure><img src="/files/o1Ax40UoAKhWg2MrXS8g" alt=""><figcaption></figcaption></figure>

Here's a step-by-step explanation of how you can take such a leverage position on the ZeroLend protocol:

1. **Deposit collateral:** Start by depositing an asset (let's say, Token A) into the ZeroLend platform. This asset will serve as collateral for the borrowing process.
2. **Borrow funds:** After depositing Token A as collateral, you can borrow a certain amount of a different asset, such as $ETH or $USDC. This borrowed asset can be used to increase the exposure to Token A.
3. **Trade borrowed asset for the underlying asset:** Once you have borrowed the desired amount of $ETH or $USDC, trade those borrowed funds for Token A on a decentralized exchange or any other platform where Token A is traded. This effectively increases the amount of Token A you hold. You can also purchase any other token instead of Token A if you wish to further diversify.
4. **Increase Exposure:** By leveraging borrowed funds, you have more Token A than the initial deposit. This increases your exposure to Token A's price movements. If the price of Token A goes up, the potential gains are amplified due to the increased position size.&#x20;
5. **Monitoring and management:** As with any investment, you must actively monitor the price of Token A and the borrowed funds. The leveraged position can result in higher profits if the price of Token A rises, but it can also lead to significant losses if the price goes down.
6. **Repaying the Loan:** You might close the leveraged position at some point. To do so, you must sell enough of Token A to repay the borrowed $ETH or $USDC, plus any accrued interest. Once the borrowed funds are repaid, your collateral is released, and you can decide whether to continue holding Token A or withdraw your initial collateral.


# Guidebook: Farm on Linea Market

1. **Set Up Your Wallet**

   Download and install a crypto wallet (e.g., MetaMask). Alternatively, create or import a wallet.
2. **Connect to Linea**
   * Go to the Linea Market on the ZeroLend website or [click here](https://app.zerolend.xyz/?marketName=proto_linea_v3).
   * Connect your wallet by clicking "Connect Wallet".
   * Select your wallet provider (e.g., MetaMask) and approve the connection.
3. **Deposit Assets**
   * Ensure you have sufficient assets (e.g., ETH, stablecoins) in your wallet.
   * Select the asset you want to deposit.
   * Enter the amount you wish to deposit.
   * Approve the transaction in your wallet.
4. **Choose a Farm**
   * Explore available farms on the Linea Market.
   * Compare yields and other metrics.
   * Select the farm that fits your strategy.

### Tips for Maximizing Yields

* Diversify your assets across multiple farms to reduce risk.
* Stay informed about market trends.
* Reinvest rewards to compound gains.
* Monitor gas fees and optimize transaction timings.

### Troubleshooting

* **Wallet connection problems**: Ensure your wallet is connected and has enough funds for gas fees.
* **Transaction failures**: Double-check amounts and try again.
* **Low yield**: Switch to a different farm with higher returns.

### Support

* Join the [ZeroLend Discord](https://discord.com/invite/zerolend) community.

### Additional Resources

* [ZeroLend Documentation](https://docs.zerolend.xyz/): Learn more about ZeroLend.
* [Community Forums](https://discuss.zerolend.xyz/): Engage with other farmers and share tips.


# Stake ZERO (zLP) Tokens

The zLP (ZeroLend Liquidity Provider) functionality allows users to stake their ZERO/ETH LP.

This tutorial will guide you through the process of staking via Zap and provide information on staking your LP tokens directly.

But before that, let's cover the benefits of zLP staking and its distributions.

## **About zLP Staking and its Distribution**

* **LXP-L from Linea:** As $ZERO is a whitelisted asset on Linea Surge, users who supply liquidity or stake it is eligible for LXP-L and, therefore, the Linea airdrop.
* **Revenue:** All revenue from borrowing and lending is distributed to LP stakers 50% in $ETH and the other 50% in Gravity Points.
* **Voting Power:** Staked LP tokens provide voting power in the ZeroLend ecosystem.

## **Stake via Zap Functionality**

The Zap functionality is designed to simplify the staking process by allowing users to stake their ETH directly into ZeroLend LP with just one click.

You just need ETH with this method.

1. **Go to the Staking Page:**

   * Visit [ZeroLend Staking](https://app.zerolend.xyz/stake/?marketName=proto_linea_v3).
   * Click on the "Zap and Stake" button.

   <figure><img src="/files/WiRNSVaP7taOJzfw021E" alt=""><figcaption></figcaption></figure>
2. **Input the Amount:**

   * Enter the amount of ETH you wish to stake.
   * The system will prompt a transaction for you to sign and confirm.

   <figure><img src="/files/5jIlVaHrfXLFyUjWy9KJ" alt=""><figcaption></figcaption></figure>
3. **One-Click Conversion:**
   * In one click, your ETH will be converted into LP tokens and staked for the duration you choose.
   * For example, if you Zap and stake 0.1 ETH (\~$380 USD), it splits into $180 USD of ZERO and $180 of ETH. These amounts are added to liquidity on the DEX (Nile), and the LP tokens are staked and converted into voting power.

## **Staking after providing liquidity on a DEX**

With this method, you will have to provide liquidity for ZERO / ETH on Nile.

1. Get $ZERO tokens from a DEX like Nile if you don't have them already
2. Provide $ZERO / ETH liquidity on the Nile pool - <https://www.nile.build/manage/v1/0x0040f36784dda0821e74ba67f86e084d70d67a3a>

<figure><img src="/files/HnPOcXx6iJ8jAuwdkZkA" alt=""><figcaption></figcaption></figure>

3. **Stake LP Tokens**

* Once you have LPed on Nile, go to the [staking page](https://app.zerolend.xyz/stake/?marketName=proto_linea_v3) on ZeroLend
* Click on the Stake ZERO/ETH LP button

<figure><img src="/files/m3E1CtttZdkxgZOnqEVG" alt=""><figcaption></figcaption></figure>

* Select the duration you would like to stake it for

<figure><img src="/files/Wzck3GKg6RHHKXZhfprl" alt=""><figcaption></figcaption></figure>

* Approve and confirm the transactions

{% hint style="info" %}
Your specific staked shares, as well as your personal locked positions (LP Locks and Token Locks), will appear in the “Your LP Locks” and “Your Token Locks” sections as NFTs. You can unlock them once the lock period is over.
{% endhint %}


