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Earn yield on your holdings, or unlock liquidity without ever selling them.
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About Zona
Lend to earn interest. Borrow against your collateral.
01Supply
Put your assets to work
Deposit tokenized stocks or crypto into a Zona pool. Interest from borrower demand flows straight back to you, in proportion to what you put in.
65% LTV
02Borrow
Unlock cash without selling
Post the same holdings as collateral and draw stablecoins up to your loan-to-value limit. You keep the exposure.
Frequently Asked Questions
What is Zona?
Zona is a lending market for tokenized real-world assets, live on Robinhood. Supply tokenized stocks, ETFs or stablecoins to earn yield from borrower demand, or post them as collateral and borrow against them without selling your position. Zona will also add an optional one-click looping feature for easy access to leveraged exposure.
What can I use Zona for?
Zona helps you do more with tokenized stocks and stablecoins. Common ways people use it:
1. Unlock cash without selling: borrow USDG against tokenized stocks and ETFs while keeping your exposure to the underlying shares.
2. Earn yield on stablecoins: supply USDG to the pool and earn interest paid by borrowers.
3. Hedge or fund new positions: use borrowed USDG to hedge, rebalance, or put capital to work elsewhere without closing what you hold.
4. Build leveraged exposure: supply tokenized stocks, borrow USDG, and use it to buy more of the same asset, repeating in a few clicks to increase your exposure.
5. One-click looping (coming soon): build the same leveraged position in a single click instead of repeating each step.
How does lending work on Zona?
Lending on Zona means supplying assets into ZonaLend liquidity pools. Borrowers pay interest on what they take out, and that interest flows to lenders as yield.
1. Choose a supported market (a tokenized stock, an ETF, or USDG)
2. Supply it to the pool
3. Earn yield from borrower demand
You can withdraw whenever you like, as long as pool liquidity is available.
How does borrowing work on Zona?
Borrowing lets you unlock liquidity at competitive rates without selling your position. Deposit tokenized stocks or ETFs as collateral, then borrow USDG against them.
1. Deposit collateral (e.g. AAPL, NVDA, SPY)
2. Borrow up to your allowed loan-to-value
3. Use the borrowed funds for liquidity, hedging, or looping
Health factors and liquidation rules apply as in standard lending markets - manage collateral and debt to stay safe.
What can I supply and borrow?
Zona works in one simple flow: supply tokenized real-world assets as collateral, then borrow USDG against them.
1. Supply RWAs: tokenized equities and ETFs, including AAPL (Apple), NVDA (NVIDIA), META (Meta Platforms), SPCX (SpaceX), SPY (S&P 500), QQQ (Nasdaq-100) and SGOV (short-term US Treasuries).
2. Borrow stablecoins: USDG (Global Dollar), a US dollar stablecoin, up to each asset's loan-to-value limit.
New markets are added as oracles and liquidity allow. Check the app for the latest supported assets.
Can I use Zona outside US market hours?
Tokenized stocks track US-listed shares, so some actions follow the US stock market's schedule.
1. Borrowing is open during regular US market hours: weekdays, 9:30 AM to 4:00 PM ET. It closes outside those hours, on weekends and on US market holidays, and closes early on early-close days.
2. Withdrawing is paused while price feeds are paused, which usually happens when the underlying market is closed.
3. Supplying and repaying stay available at all times.
The app shows the live status and when borrowing is expected to reopen. Actual availability is confirmed onchain once protocol safety checks pass.
What happens if my collateral falls in value?
Every borrow position carries a health factor, shown in the app alongside your collateral and debt. If the value of your collateral falls far enough that the health factor reaches the liquidation threshold, part of your position can be liquidated to repay the debt.
You can top up collateral or repay part of what you owe at any time to bring the health factor back up.
How do I contact the team?
Join our Discord and talk with us in #general. For private discussions, please open a ticket in #tickets. We usually respond fastest there.