Deposit USDC into the pool. Interest accrues every second and compounds automatically – no claiming, no lock-up, no fixed term. Withdraw whenever you like.

Borrowers – including Toros’ leveraged vaults – borrow the pooled USDC against overcollateralized positions and pay interest for it. That interest goes to depositors. The APY shown is what you receive.

USDC that is currently lent out isn’t sitting in the pool, so withdrawals draw on available liquidity. In rare moments of very high utilization you may temporarily withdraw only part of your position – liquidity returns as borrowers repay or new deposits arrive, and your full balance keeps earning in the meantime.

Every loan is overcollateralized, and positions that fall below their required collateral are liquidated to protect depositors. The market runs on Chamber’s audited infrastructure.