A non-custodial money market on Cronos — supply your crypto to earn dynamic yield, or borrow instantly against collateral you already hold.
Open App Learn MoreMost people keep idle crypto in a wallet earning nothing. That is a real opportunity cost. Tectonic Finance's protocol puts your assets to work while you stay in control — no sign-up form, no KYC, no intermediary holding your keys.
The Tectonic Finance platform is fully non-custodial. Smart contracts hold the funds; the team behind Tectonic Finance never touches your assets. Withdrawal is yours to initiate, any time liquidity permits.
Interest rates on the Tectonic Finance protocol adjust automatically based on utilisation. When demand rises, lenders earn more. When it drops, borrowers pay less. No rate committee, no manual tweaks.
Stake TONIC to receive xTONIC, then lock it in a vault and your reward multiplier increases on every position you hold. The longer the lock, the bigger the boost — up to the protocol maximum.
New markets, collateral factors, and risk parameters are decided through on-chain governance. TONIC holders vote. Changes go through a time-lock before taking effect, giving the community time to react.
Three isolated pools — Main, Veno, and DeFi — each with its own risk parameters. An issue in one pool cannot cascade into another, limiting contagion risk across the protocol.
Interest compounds every Cronos block, roughly every six seconds. Your tToken balance grows continuously; there is no need to manually claim base supply interest.
The Dashboard shows your health factor at a glance. A clear colour-coded indicator warns you before your position approaches the liquidation threshold, giving you time to top up collateral or repay debt.
Built on Cronos, Tectonic Finance is compatible with any EVM wallet. MetaMask, Rabby, Crypto.com DeFi Wallet — all work out of the box. Gas fees on Cronos are a fraction of Ethereum mainnet costs.
Every supply, borrow, repay, and liquidation event is recorded on Cronos. The Analytics section inside the app surfaces live utilisation rates, total reserves, and historical APY charts.
Protocol fee parameters are designed with EIP-1559 gas standards in mind for future cross-chain compatibility, ensuring predictable transaction costs as the protocol grows.
The Tectonic Finance smart contracts are publicly available and follow the compound-style money market pattern. Audit reports are linked in the documentation.
Head to the Tectonic Finance app and connect any EVM-compatible wallet. The protocol runs on Cronos, so switch your wallet network to Cronos mainnet (chain ID 25) if it isn't set already.
Browse the Markets page, choose USDT, CRO, WBTC, or any supported asset, and deposit. You receive tTokens in return — these represent your share of the pool and automatically increase in value as interest accrues.
Toggle the collateral switch on your supplied asset. This lets you borrow up to your collateral factor. Watch your health factor — keep it well above 1.0 to avoid liquidation.
Both suppliers and borrowers earn TONIC on eligible markets. Claim rewards from the Dashboard, stake for xTONIC, and lock in a vault to multiply future earnings. The cycle is self-reinforcing.
There is no fixed term. Repay your borrow whenever you like, then withdraw your supplied assets plus accrued interest. Everything settles on-chain within seconds.
Figures are approximate and update in real time on the Markets page. For historical data see the Analytics section inside the app. Full documentation at Help.
Tectonic Finance is a decentralized, non-custodial money market protocol on the Cronos blockchain. You supply assets to earn dynamic APY or borrow against your collateral without giving up custody of your funds.
Connect a compatible wallet such as MetaMask or Crypto.com DeFi Wallet to the Tectonic Finance platform, navigate to the Markets page, select an asset, and click Supply. The process takes under a minute.
The Tectonic Finance protocol has been audited by independent security firms. Smart contract code follows established patterns, and the team behind Tectonic Finance publishes audit reports in the documentation. No protocol is risk-free, so always review the docs before depositing.
The Main Pool currently accepts USDC, USDT, WBTC, WETH, CRO, LCRO, TONIC, ADA, ATOM, XRP, LTC, VVS, USC, CDCBTC, and CDCETH as collateral assets, with new markets added through governance.
TONIC is the native governance token of Tectonic Finance. Holders can stake TONIC to receive xTONIC, lock xTONIC in a vault to boost supply and borrow reward rates, and participate in governance votes that shape the future of the protocol.
First supply an asset that qualifies as collateral. Once your collateral is recorded, open the Dashboard, choose a borrow market, enter an amount within your borrow limit, and confirm the transaction. Interest accrues in real time.
Yes. The interface is designed to be approachable. You will need a self-custody wallet, some CRO for gas, and the asset you wish to supply. The Help page walks through every step in plain language.
With Tectonic Finance you keep control of your private keys. Rates adjust algorithmically based on supply and demand rather than being set by a company, and you can withdraw at any time as long as liquidity is available. No sign-up, no KYC.
Each pool is an isolated market with its own assets, collateral factors, and risk parameters. The Main Pool holds the largest selection of assets. The Veno Pool and DeFi Pool cater to specialised strategies and are governed independently.
Rates on Tectonic Finance follow a kinked interest rate model. When utilization is low, rates stay modest. As borrowing demand rises and utilization crosses a target threshold, rates increase sharply to encourage more supply and repayment.
If your borrow balance exceeds your collateral limit, a third-party liquidator can repay part of your debt and receive a portion of your collateral at a discount. Monitoring your health factor on the Dashboard helps you avoid liquidation.
The current version of the Tectonic Finance protocol is deployed on Cronos. Cross-chain expansion, including networks such as Base, is subject to governance approval and future protocol upgrades tracked in the roadmap.
Locking xTONIC in a vault multiplies your TONIC reward rate on both supply and borrow positions. The longer and larger your lock, the higher the boost multiplier, up to a maximum defined by the protocol parameters.
All deployed contract addresses are listed in the official documentation on GitBook. You can also inspect them on the Cronos block explorer by searching for the Tectonic Finance deployer address. Additional developer references are available at our company page.