pledgestocks
Pre-launch · Robinhood Chain

Borrow Against Your Stocks
Keep Every Share

Pledgestocks lets you post tokenized NVDA, AAPL, SPY and 12 more as collateral and draw USDG without selling. Every asset gets its own isolated market on Morpho Blue, so a drop in one stock never touches your other positions.

Start BorrowingSee How It Works
Launch markets1510 stocks · 4 ETFs · ETH
Liquidation LTV62.5%86% T-bill fund · 77% ETH
Cap timelock48hEvery increase waits in public
OracleChainlinkNo pool prices
CollateralPriceLiq. LTVPlanned cap
NVDA/ USDG$215.2662.5%$2,000
TSLA/ USDG$360.3462.5%$1,000
AAPL/ USDG$333.8462.5%$2,000
MSFT/ USDG$492.6162.5%$2,000
AMZN/ USDG$248.4362.5%$2,000
NVDA$215.26+1.04%TSLA$360.34+0.64%AAPL$333.84+0.61%MSFT$492.61−1.07%AMZN$248.43−0.05%GOOGL$344.58−0.06%META$678.61+1.25%AMD$518.24+1.64%ORCL$146.54+3.76%TSM$422.09+1.50%SPY$758.93−0.02%QQQ$709.33+0.43%SGOV$101.06+0.01%EWY$177.36−0.57%ETH$2,438.66+1.83%

Built with

  • Morpho Bluelending
  • Chainlinkoracles
  • Robinhood Chainnetwork
  • Global DollarUSDG
  • Safemultisig · next
How it works

Five Steps, No Surprises

Pledgestocks does not run its own lending contracts. Deposits, collateral, interest and liquidations live in Morpho Blue; Pledgestocks chooses the markets, their oracles, and how much the vault may lend into each.

What can you post?

Tokenized stocks and ETFs on Robinhood Chain, plus ETH, each priced by its own Chainlink feed.

Collateral

MarketOracle priceLiq. LTV
NVDA$215.2662.5%
AAPL$333.8462.5%
SPY$758.9362.5%
SGOV$101.0686.0%

What do you borrow?

USDG, supplied by a vault of lenders, at a rate that follows how much is borrowed.

Loan terms

TermStocks & ETFsSGOVETH
Borrow limit57.5%81.0%70.0%
Liquidation LTV62.5%86.0%77.0%
Rate modelAdaptive Curve IRM
Repaymentany time, no schedule

What happens, in order?

Five steps from deposit to withdrawal. Nothing moves until you sign it with your own wallet.

Steps

ActionAssetWhat it means
01 SupplyUSDGLenders deposit into one curated vault
02 PostCollateralA stock, ETF or ETH token, each in its own market
03 BorrowUSDGUp to the market's borrow limit, priced by Chainlink
04 RepayAny timeInterest accrues by the second; no schedule
05 WithdrawIn fullTake the collateral back once the debt is gone

What keeps it safe?

Market rules are fixed at creation, cap increases wait in public, and no custom price code.

Parameters

ParameterSettingWhat it means
Launch markets1510 stocks, 4 ETFs and ETH
Cap timelock48hEvery increase waits in public first, and a guardian can cancel
OraclesChainlinkChainlink feeds only, never pool prices or custom code
Market rulesImmutableOracle and liquidation LTV fixed at creation
Vault fee0% → 10%No fee for 90 days, then only on interest
Borrow

Size A Loan Before You Take One

Pick any of the 15 launch assets and draw USDG against it. The numbers use live Chainlink prices and the exact threshold each market will be created with.
Collateral
Oracle $215.26 · updated 8h ago
NVDA
Worth $2,152.57 at the oracle price.
40.0% of value · max 57.5%
$861.03 USDG
Health factorComfortable
1.56
1.0 liquidation2.03.0+
Liquidation price
$137.76
Price drop to liquidation
−36.0%
Loan-to-value
40.0%
Liquidation LTV
62.5%

If NVDA falls to the liquidation price, anyone may repay your debt and take collateral worth 12.68% more than they repay. Add collateral or repay before then and the number rises. This is a simulation; no contract is called.

Weekends

Stock feeds pause from Friday to Sunday evening, US time, and can gap when they resume. Leave room.

Liquidation

Below a health factor of 1, anyone may repay part of your debt and take collateral at a discount.

Rates move

The borrow rate follows how much of the market is lent out. A busy market costs more.

Liquidity

You can only borrow what lenders have supplied and caps allow. Early on, that will be small.

Stake

Stake $PLDG, Share The Book

Staking opens after $PLDG launches. Stakers receive a share of the vault's performance fee, paid in USDG; the APR and terms are published here before the first deposit is accepted.
Coming soon

$PLDG staking

Reward APR
—
Total staked
—
Rewards
A share of the vault's performance fee, paid in USDG
Lockup
Coming soon
Amount
$PLDG
Markets

Fifteen Markets, One Loan Asset

Each market pairs one stock, ETF or ETH token with USDG and nothing else. Its oracle and liquidation threshold are fixed when the market is created on Morpho Blue and can never be edited.
Live rates and liquidity appear when each market opens.15 of 15 feeds answering
CollateralPriceLiq. LTVAvailableBorrow APRUtilizationCap
NVDA / USDG
Stocks · Chainlink
$215.2662.5%———$2,000Borrow
TSLA / USDG
Stocks · Chainlink
$360.3462.5%———$1,000Borrow
AAPL / USDG
Stocks · Chainlink
$333.8462.5%———$2,000Borrow
MSFT / USDG
Stocks · Chainlink
$492.6162.5%———$2,000Borrow
AMZN / USDG
Stocks · Chainlink
$248.4362.5%———$2,000Borrow
GOOGL / USDG
Stocks · Chainlink
$344.5862.5%———$2,000Borrow
META / USDG
Stocks · Chainlink
$678.6162.5%———$1,000Borrow
AMD / USDG
Stocks · Chainlink
$518.2462.5%———$1,500Borrow
ORCL / USDG
Stocks · Chainlink
$146.5462.5%———$1,500Borrow
TSM / USDG
Stocks · Chainlink
$422.0962.5%———$1,500Borrow
SPY / USDG
ETF · Chainlink
$758.9362.5%———$2,500Borrow
QQQ / USDG
ETF · Chainlink
$709.3362.5%———$2,500Borrow
SGOV / USDG
ETF · Chainlink
$101.0686%———$5,000Borrow
EWY / USDG
ETF · Chainlink
$177.3662.5%———$1,500Borrow
ETH / USDG
Crypto · Chainlink
$2,438.6677%———$2,500Borrow
Looked at, left outGLD No Chainlink feed on this chain yet; only a pool TWAP.SLV Chainlink-priced, but silver moves more than the launch set.USO Oil futures roll and gap; wants a lower threshold and more data.
Swap

Get The Collateral You Need

To borrow against NVDA you need NVDA; to repay you need USDG. Swap between them right here, not on another site.
You pay
You receive (indicative)

1 USDG ≈ 0.004646 NVDA at Chainlink oracle prices

This preview converts at oracle prices. Real swaps route through Robinhood Chain DEX pools, where price and slippage will differ.

Portfolio

Everything You Hold, In One Place

Your USDG and stock tokens on Robinhood Chain, valued at oracle prices. Loans and vault deposits will appear here as soon as the markets open.

Connect to see your portfolio

Balances are read directly from Robinhood Chain. Nothing is stored and no transaction is sent.

$PLDG

The Pledgestocks Token

$PLDG launches after the markets and vault are running in public. Until then, only the basics are fixed; everything else is published here first.
Ticker$PLDG
NetworkRobinhood Chain
Contract addressComing soon
Total supplyComing soon
Launch dateComing soon
Launch methodComing soon
AllocationComing soon
UtilityComing soon
Earn

Lend USDG, Keep The Exit

Deposit USDG into one vault. It lends only into the launch markets, never more than each market's cap, and your yield comes only from the interest borrowers pay, less a 10% performance fee after the first 90 days. No lockup, no emissions.
Curated vault · ERC-4626

Pledgestocks Core USDG

Not deployed
—Supply APY
appears at launch
Total assets
—
Withdrawable now
—
Performance fee
0% for 90 days, then 10%
Cap timelock
48 hours

Planned allocation · $30.5K total cap

  • NVDANVIDIA$2K · 62.5%
  • TSLATesla$1K · 62.5%
  • AAPLApple$2K · 62.5%
  • MSFTMicrosoft$2K · 62.5%
  • AMZNAmazon$2K · 62.5%
  • GOOGLAlphabet$2K · 62.5%
  • METAMeta$1K · 62.5%
  • AMDAMD$1.5K · 62.5%
  • ORCLOracle$1.5K · 62.5%
  • TSMTSMC$1.5K · 62.5%
  • SPYS&P 500$2.5K · 62.5%
  • QQQNasdaq$2.5K · 62.5%
  • SGOVT-Bill$5K · 86.0%
  • EWYKorea$1.5K · 62.5%
  • ETHEther$2.5K · 77.0%

Caps start small on purpose and rise only as liquidity is measured. Every increase waits 48 hours in public and a guardian can cancel it; lowering a cap takes effect at once. None of these markets has been created yet.

USDG
You receive
0 pUSDG
Lockup
None

The vault contract is not deployed yet, so this form cannot send a transaction. Your wallet balance is read from Robinhood Chain when you connect.

  1. 01Connect a walletOn Robinhood Chain. Connecting only reads balances; nothing moves without your signature.
  2. 02Deposit USDGAny amount, no minimum, no lockup.
  3. 03Receive pUSDGYour share of the vault, and what you redeem later.
  4. 04The vault lendsInto 15 isolated markets, never above each market's cap.
  5. 05Interest accruesBorrowers pay by the second, and the value of pUSDG rises with it.
  6. 06Fee on yield only0% for 90 days, then 10% of interest. Never on principal.
  7. 07Redeem any timeSwap pUSDG back to USDG. Lent-out USDG returns as loans repay; an uncovered bad debt falls on the last redeemers.

A fee on yield, never on principal

The fee only ever touches interest already earned, never your deposit.

Multisig owner, public timelock

A Safe owns the vault, and cap increases wait 48 hours in public.

Seeded before it is shared

Our own USDG goes in before anyone else's, and it stays there.

No token before a working product

Markets and vault run in public before anything else is launched.

Credit against your stocks,
without selling a share.

Size a loan at live prices today. Markets, the USDG vault and every parameter are published here before the first deposit is accepted.

Open the simulatorRead the docs