Earn a passive return on your cryptoassets with our Lending solutions on decentralized finance protocols (DeFi) and centralized platforms (CeFi).
Lending solutions on Meria allow you to select the protocols and platforms on which you will be exposed. This approach combined with our demanding selection grid allows you to apply your investment strategy in the best conditions on Meria.
Returns are achieved through a variety of mechanisms, including lending-borrowing, liquidity providing/yield farming on decentralized finance (DeFi) and the use of centralized platforms (CeFi).Our lending solutions
The APR received by our customers on our Stablecoin and ETH Lending solutions is net of fees. Meria earns a return on the surplus generated over the yield distributed.
Generally speaking, this remuneration does not exceed 2% gross, given that Meria bears all the costs inherent in executing its users' orders. As an indication, our net margin varies on average between 0.4% and 1.5%.
A special fee structure is applied to the other Lending solutions offered by Meria; you can consult these fee conditions in our fee policy.
You can consult the diversification of the cryptoassets making up the lending solution directly from your Dashboard in real time.
This diversification can also be accessed by anyone from the solution page.
Counterparty risk related to the failure of DeFi protocols and compounders (decentralized finance) and CeFi platforms (centralized finance).
Risk of loss of parity (de-peg) of cryptoassets contained in the diversification of the service
Risk related to the use of one of the blockchains
Crypto asset liquidity risk
Volatility risk of the cryptoassets contained in the diversification of the service
Risk of total or partial loss of capital
Economic and financial environment risk
DeFi or Decentralized Finance refers to all financial applications and services using the Blockchain to carry out exchange, transmission or value creation operations, requiring no or few intermediaries.
The BeCeFi called "Centralized Finance" designates all the financial applications and services realized with the help of trusted third parties (example: Meria, Binance, Nexo...)
There are thousands of DeFi protocols, compounders and CeFi platforms available today. Naturally, they do not all have the same characteristics, nor do they all present the same level of risk.
Here's a list of the factors we pay particular attention to:
• Total liquidity deposited on protocol, compounder, liquidity pool, CeFi platform (TVL)
• Proposed yields
• Yield sources (mechanisms used)
• The blockchain network on which the pool is based
• The reputation of the protocol, compounder or CeFi platform
• Available technical audits
For LP token-based lending products, interest is credited to your lending contract in the form of LP tokens and can be claimed at any time or reinvested automatically via the compound interest function.
As long as they remain unclaimed, the value of interest received in LP tokens may vary, depending on the diversification of the lending service at time T.
You can claim your interest by clicking on the "Claim" button on your lending contract. You will then be able to select the stablecoin of your choice, taking into account the value of the LP token in relation to the token withdrawn at that moment.
For all other lending products, interest is credited every minute to the contract subscription crypto asset.
Learn to better understand the world of cryptoassets through educational contents and tutorials produced by our teamsDiscover Meria Academy