Lend. Borrow. Grow
With Avocado
Supply USDC and earn real yield from borrower interest or verify with World ID and build your on-chain credit score. Borrow up to $1,000 with no collateral.
Start Lending
Earn Yield on USDC
Deposit USDC or USDT on any chain. Earn real yield from borrower interest + AVO rewards. We bridge automatically.
Supply USDCStart Borrowing
Access instant credit
Verify with World ID, build your AVO Score, and borrow up to $1,000 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
Prove personhood with World ID. Your AVO Score (0–100) grows with every on-time repayment — all on-chain.
World ID
verify your identity
Avo Score
Credit
$1,000
Loans Repaid
5 of 5
On Time
Tier
Tier 4
Start Borrowing!
Start at $25. Earn up to $1,000 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 by World ID
+15Your current Debt against limit
+10On time repayment track record
+30Total Loans Repaid
How long you've been on Avocado
Why Avocado Fund?
Built different from day one
Non-custodial
Your keys, your crypto. Funds are held in audited smart contracts on Arbitrum — never in our custody.
No lockups
Withdraw your USDC anytime. No lockup periods, no exit fees, no fine print.
Real yield
Yield comes from real borrower interest — not token inflation or ponzinomics.
ERC-4626 vault
Industry-standard tokenised vault. Composable with any DeFi protocol that supports ERC-4626.
On-chain reputation
Your AVO Score lives on-chain. Build credit by repaying on time — portable across DeFi.
$1K hard cap
Maximum $1,000 per borrower. Small loans, manageable risk, responsible DeFi lending.
Ready to get started?
Connect a wallet and supply USDC in under a minute. Or verify with World ID to start building your on-chain credit history.
Start Lending
Earn Yield on USDC
Deposit USDC or USDT from any chain. Earn real yield from borrower interest + AVO rewards. We bridge automatically.
Supply USDCStart Borrowing
Access instant credit
Verify with World ID, build your AVO Score, and borrow up to $1,000 USDC. No collateral. Repay anytime.
Borrow USDC