Robinhood ChainKeep your stocks.Unlock the cash.
Borrow USDG against tokenized stocks, or supply USDG to earn borrower interest.
Zona
NVDAPartners & ecosystem
How it works
One market. Two ways to use it.
Supply USDG to earn interest. Use tokenized stocks to unlock liquidity.
Tokenized stocks
AAPLNVDA
META
USDG suppliers
USDG borrowers
Tokenized stocks
AAPLNVDAMETAUSDG suppliers
USDG borrowers
Earn on your USDG
Fund the lending pool and earn variable interest from borrowers.
Supply USDGUnlock cash without selling
Post tokenized stocks as collateral and borrow USDG. Positions can be liquidated if they become unhealthy.
Borrow USDGBorrowing hours
Borrow 24/5.
New borrowing opens Sunday 8 PM ET and runs straight through to Friday 8 PM ET. No waiting for the opening bell.
Supplying and repaying stay available outside these hours. Live availability also depends on price feeds, protocol safety checks and US market holidays. Market-hours rules
The market
Stocks as collateral.
USDG as liquidity.
Robinhood-issued stock and ETF tokens back your position. USDG suppliers provide the liquidity borrowers use.
Collateral assets
- AAPLApple
- NVDANVIDIA
METAMeta
SPCXSpaceX
SPYS&P 500- QQQNasdaq-100
- SGOVUS Treasuries
Supply & borrow
Supply to earn borrower interest, or borrow against eligible equity collateral.
Each market has its own loan-to-value, liquidation threshold, supply cap and debt ceiling. Availability, rates and limits can change, so check the app before depositing.
No audit guarantees safety. Borrowing can lead to liquidation, and rates are variable.
FAQ
Frequently asked questions
Zona is a lending market on Robinhood Chain. Supply USDG to earn variable borrower interest, or deposit a supported tokenized stock or ETF as collateral and borrow USDG while keeping your price exposure.
Unlock liquidity without selling your stock tokens, or put USDG to work funding borrowers.
Borrowed USDG can also fund new positions. Buying more collateral and borrowing again increases both your exposure and your liquidation risk. One-click looping is a separate, upcoming feature.
Supply USDG into the lending pool. Borrowers pay a variable rate, and suppliers receive a share of that interest. Your rate changes with pool demand; it is not a guaranteed return.
Withdrawals depend on available liquidity and reserve status. USDG is not collateral and does not increase borrowing power. Read the supply guide ↗
Deposit an eligible stock or ETF token, enable it as collateral, then borrow USDG within its current loan-to-value limit. Enabling collateral is a separate step, and a position uses one equity collateral asset at a time.
Interest increases your debt over time. Watch your health factor: your collateral can be liquidated if your position becomes unhealthy. Understand liquidation ↗
The documented collateral assets are AAPL, NVDA, META, SPCX, SPY, QQQ and SGOV. These stock and ETF tokens are collateral-only, not borrowable assets.
USDG is the asset you can supply to earn borrower interest or borrow against eligible collateral. Check the app for current availability and limits. View asset documentation ↗
Borrowing is open 24/5, from Sunday 8 PM ET to Friday 8 PM ET. It closes over the weekend and may also close on US market holidays. New borrowing also needs valid prices and the protocol's safety checks to pass, so the app shows live availability.
A borrowing closure does not freeze everything. Repayment and collateral top-ups stay available subject to reserve controls, and withdrawals depend on liquidity, reserve status and whether your position needs a valid collateral price. Read market-hours rules ↗
A falling collateral price or growing debt can reduce your health factor. Below 1, a position can be liquidated when valid prices and reserve conditions permit it. There is no margin call before liquidation.
Repaying debt or adding collateral can improve your position, but cannot guarantee protection from sudden market moves. Read the full risks ↗
Join our Discord ↗ for support. Never share your seed phrase or private keys, and verify that you are using the official app.zona.finance domain before connecting a wallet.