Lend. Borrow. Grow
With Avocado
Decentralized USDC lending on Arbitrum. Deposit into an ERC-4626 vault, earn sustainable yield from borrower interest without token emissions. Complete KYC verification, build your AVO Score,unlock no collateral credit up to $10,000.
Start Lending
Earn Yield on USDC
Deposit USDC from any chain. Earn real yield from borrower interest — auto-compounding, no lockups.
Supply USDCStart Borrowing
Access Instant Credit
Verify your identity, build your AVO Score, and borrow up to $10,000 USDC. No collateral. Repay anytime.
Borrow USDCQuick Metrics
3 Easy Steps,
Get Started Now.
Start earning yield or borrowing
after verification in 3 simple steps.
Supply USDC
Deposit into the ERC-4626 vault. Receive avUSDC shares that earn yield automatically from borrower interest.
$6,500
Your deposit
$0.00
Wallet Balance
Amount
Verify & get AVO Score
Verify your identity. Your AVO Score (0–100) grows with every on-time repayment — all tracked on-chain.
Identity Check
verify your identity
Avo Score
out of 100
Credit
$10,000
Loans Repaid
5 of 5
On Time
100%
Tier
Tier 5
Start Borrowing!
Start at $25. Earn up to $10,000 through on-chain reputation. Repay on time → score goes up → higher limits.
Borrow USDC
Congratulation, you can borrow.
Your AVO Score
A 0–100 credit score, built entirely on-chain.
Borrow more, repay on time, score higher
Identity verified
Account history & tenure
On time repayment track record
Total Loans Repaid
How long you've been on Avocado
Why Avocado Fund?
Built different from traditional DeFi lending.
Non-custodial
Open-source smart contracts. The team cannot move user funds. Fully auditable.
No lockups
Withdraw your USDC any time within available liquidity. No staking, no unbonding.
Real yield
Earned from borrower interest payments not from token inflation or subsidies.
ERC-4626 standard
Tokenised vault standard. Your avUSDC is composable with the entire DeFi ecosystem.
On-chain reputation
Identity verification + AVO Score. Build credit through repayment history. Everything tracked on-chain.
$10K max credit
Maximum $10,000 per borrower based on AVO Score. Build credit, unlock higher limits.
Ready to get started?
Connect a wallet and supply USDC in under a minute. Or verify
your identity to start building your on-chain credit history.
Start Lending
Earn Yield on USDC
Deposit USDC from any chain. Earn real yield from borrower interest — auto-compounding, no lockups.
Supply USDCStart Borrowing
Access instant credit
Verify your identity, build your AVO Score, and borrow up to $10,000 USDC. No collateral. Repay anytime.
Borrow USDC