[ANN] HodlTree: 20%+ for Lenders & 0% for Borrowers! Yield Farming Has Started!

About HodlTree

HodlTree is a second-generation lending protocol. Our ultimate goal is to improve the current architecture and let lenders get much more attractive interest-rates (from 8 to 20%+ APY) for cryptocurrencies, while borrowers will borrow at zero interest.

For doing this, the HodlTree uses the following scheme of collaterals placement. 80% of borrowers’ collaterals are placed in interest rates generating modules, while the other 20% are saved as a backup pool for immediate usage. Also, 80% of unused lenders’ funds are set in Interest rates generating modules, and the other 20% are saved as a backup pool for immediate lending.

Some of the principles in the interest rates generating modules are described in the patent for which we filed in February 2020. Interest generating modules can include various decentralized structural products and combinations thereof. For example, as in the specified articles:

- A simple guide to making your APY 300% and higher!

- Are you a BTC Hodler? Don’t miss additional + 35% BTC!

- How to create a decentralized structured product that outperforms ETH by 13%

You can find a more detailed explanation in our whitepaper. Other useful information (team, advisors, roadmap, etc.) is available on our website.

What is HTRE token?

HTRE token is HodlTree Protocol’s ERC-20 native token. HTRE tokens allow community members to engage in governance. HTRE token-holders will debate, propose, and vote on all changes to the protocol after the mainnet launch. To put a proposal for voting 3% of total tokens are needed. At least 20% of all holders have to vote for proposal acceptance. Each HTRE token is equal to one vote.

Partners

Liquidity Mining

HodlTree officially opened up its liquidity mining pools for HTRE farming at 17:00 UTC on September 23. You can check your potential APY on the farming page! HodlTree will grant HTRE rewards to farmers who contribute liquidity to the HTRE/USDC pools on Uniswap and Balancer. The total Liquidity Mining Rewards pool is 3,000,000 HTRE. A detailed explanation can be found here.

Pool 1: Uniswap HTRE/USDC Pool
Address: https://uniswap.info/pair/0x57e69e4385896fa4511f958e88d8775fd6a8c6c0
Pool overall reward: 2,400,000 HTRE. (80% of the total Liquidity Mining Rewards pool). Rewards will be distributed twice — on October 23 & November 25.

Pool 2: Balancer HTRE/USDC Pool
Address: https://pools.balancer.exchange/#/pool/0x02b77ad79e27ad80a0a0868cc7528520e8442c9b/
Pool overall reward: 600,000 HTRE. (20% of the total Liquidity Mining Rewards pool). Rewards will be distributed twice — on October 23 & November 25.
We will apply for the Balancer whitelist, in case of approval, farmers who have provided liquidity to the Balancer pool will also receive BAL rewards from it.

Next Phase

We will launch Interest generating modules this fall. Some of the modules will be available in the form of external projects that anyone can use for a small fee, charged by the protocol. An article with an overview of these modules will be released later.

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