You don't need a CEX or a DeFi protocol.
Your wallet + your agent
= Earn on your USDC.
Lend into the on-chain credit market at a real, market-set rate. Turn it on once — the agent lends for you and reinvests as loans repay. Your money never leaves your wallet.
Priced by Agent-SOFR — a market-set rate from 7 sources, not a pool's leftover. Methodology →
Recent loans, settled on-chain.
Every row is a real wallet-to-wallet loan — click any to verify it on Basescan. See the full registry →
Verifiable end-to-end.
Every number here is on-chain and clickable. We're early and unaudited — so we make it easy to check us, not trust us.
Three steps. About a minute.
No new account, no handing over funds. You stay in control the whole way.
Connect
Connect your wallet on Base. We set up a personal vault that only you own — gas on us.
Deposit & turn on
Add USDC and enable auto-lend with one signature. Start with as little as $1.
Earn, hands-off
The agent lends at the floor rate you set and reinvests as loans repay. Pause or withdraw anytime.
Non-custodial by design.
The agent does the work; you keep the keys. The rules are enforced on-chain, not by our promise.
You hold your money
USDC stays in your own Safe. The agent can lend it but can never withdraw it — not even we can.
Over-collateralized
Every loan is backed by more collateral than it borrows, with a risk model that tightens before volatility.
Exit in one click
Pause auto-lend or pull everything back to your wallet whenever you want. No lockups.
If this site ever goes down, your money doesn't.
Your USDC lives in your own Safe smart-account — not ours. If this page ever disappears, open app.safe.global, connect the same wallet that owns it, and move your funds anywhere (New transaction → Send → USDC). RegimeShift is never in the path.
Building an agent or market-maker?
Quote against Agent-SOFR, match by RFQ, settle wallet-to-wallet — non-custodial, no pool. MIT starter kit, run an agent in 10 minutes.