The Future of
Decentralized Banking
Deposit ETH, borrow DBUSD stablecoin, monitor your health factor in real-time, and earn rewards through liquidations. Fully non-custodial, fully on-chain.
Total Value Locked
$0.00
Total Borrowed
$0.00
Utilization Rate
0.00%
Simple Process
How It Works
Four simple steps to start banking on-chain. No intermediaries, no paperwork.
Deposit ETH
Deposit your ETH as collateral into the secure CollateralVault smart contract.
Borrow DBUSD
Borrow up to 66% of your collateral value in DBUSD stablecoin instantly.
Repay Anytime
Repay your loan at any time. Interest accrues per-second with no hidden fees.
Withdraw
Withdraw your ETH collateral once your debt is repaid. Full control, always.
Why Nova Vault
Built for Trust
Every feature is designed with security, transparency, and user control in mind.
Non-Custodial
Your keys, your funds. No admin keys, no backdoors. The protocol is fully immutable after deployment.
Instant Borrowing
Borrow DBUSD stablecoin against your ETH collateral in a single transaction. No approvals, no delays.
Dynamic Interest
Utilization-based rate model ensures fair pricing. Low rates when capital is abundant, higher when scarce.
Health Monitoring
Real-time health factor tracking with color-coded alerts. Always know exactly where your position stands.
Liquidation Rewards
Earn a 7% bonus by liquidating undercollateralized positions. Help keep the protocol healthy and profit.
Fully On-Chain
Every operation is executed on-chain via immutable smart contracts. No off-chain dependencies.
Transparent
Protocol Parameters
All parameters are immutable and publicly verifiable on-chain.
Collateral Ratio
150%
Minimum over-collateralization required
Liquidation Threshold
85%
Used in health factor calculation
Liquidation Bonus
7%
Reward for liquidating unhealthy positions
Base Interest Rate
2% APR
Starting rate at 0% utilization
Optimal Utilization
80%
Rate curve kink point
Min Debt
0.01 DBUSD
Minimum borrowing amount
Interest Rate Model
Nova Vault uses a kinked interest rate curve similar to Aave and Compound. Rates stay low under 80% utilization and rise steeply above to incentivize repayment.
0% Util.
2%
40% Util.
6%
80% Util.
10%
100% Util.
18%
Ready to Get Started?
Connect your wallet and start banking on-chain in seconds. No sign-up, no KYC, no waiting.
Launch App