The Bell on Your Wrist
Borrow on Stocks. Keep Your Weekend.
Borrow USDC against tokenized stocks and Treasury funds. Nobody is liquidated on a fake weekend price.
Lending That Runs on Market Hours
Every rule follows each asset's real market clock. While its exchange is closed, nobody can be liquidated, and a weekend price can lower your collateral's value but never raise it.
Features
Five Rules Built Around the Market Clock
Stocks and Treasury funds stop pricing when their market closes. Credence is designed around that, not in spite of it.
Borrow USDC
Borrow up to 75% LTV against tokenized stocks, ETFs and Treasury fund shares.
Gap Cover
Insure a loan through one closure instead of cutting your leverage every Friday.
Asset Clock
Knows whether each market is open, closed, halted or reopening. Every rule follows it.
Priced Risk
Premiums come from 10 years of real weekend price gaps for each ticker.
Bell Alerts
App, email and push alerts with exact amounts before every close that needs action.
Fair Auctions
Liquidations clear in uniform-price batch auctions, so being fastest earns nothing.
Why us
Weekend Risk, Priced and Paid For
Elsewhere, lenders silently carry the Monday gap. Credence prices it per loan and sells it to underwriters paid to hold it.
No Liquidations While Markets Sleep
Nights, weekends, holidays and trading halts pause liquidations. You can always repay or add collateral, at any hour, even if an oracle or keeper is down.
Senior Lenders Are Protected First
A first-loss Underwriter Pool absorbs every reopen shortfall before senior lenders, and it only sells cover it can survive across every joint weekend since 2016.
eXPLORE
Three Ways to Put Capital to Work
Borrow against your stocks, lend to the Senior Vault, or underwrite the weekend gap. Every rate and risk is on-chain.
Borrow Against Stocks
Keep your NVDA or SPY exposure and borrow USDC. Weeknights need no action, and a risky weekend can be covered instead of sold.
An alert before every risky close, with the exact amount to repay or to cover.
Everything Runs on the Clock
From Friday's Bell to Monday's reopen auction, every step is on-chain, public and checked by the contracts.
Isolated markets for NVDA, AAPL, TSLA, COIN, MSFT and SPY tokens, plus tokenized Treasury money funds.
Two hours before a risky close, each loan must reach the weekend-safe LTV or carry Gap Cover. Default is auto-cover.
Deposit stock tokens and borrow USDC up to 75% LTV. Interest accrues every second; repaying is never blocked.
Deposit USDC into the first-loss pool. Each closure is an epoch, and you are paid for exactly the risk you carried.
What Credence promises every user
No reviews yet: Credence is still in testnet. These are the rules its contracts enforce, and each one has a test.
— Borrowers
"Nobody is liquidated while their asset's market is closed, halted or in a corporate action."
— Senior lenders
"You lose money only after the Underwriter Pool and the protocol reserve are both used up."
— Underwriters
"You earn the premiums for exactly the closures you carried. Exits settle at the post-weekend price."
— Auction bidders
"Every winner pays the same clearing price. Speed, ordering and priority fees are worth nothing."
Keep Your Stocks. Borrow USDC.
Credence Finance is launching on Arbitrum. Join the waitlist to get testnet access first.
Join Waitlist