Borrow DOLA at a fixed rate
FiRM is an isolated, safety-first lending protocol. Deposit collateral, hold DBR to fix your borrow rate, and manage your loan on your terms.
Built for smart borrowers and loopers
Everything you need to borrow predictably and stay in control of your position.
Fixed borrow rate without interests
Hold DBR (DOLA Borrowing Right) to lock your rate for as long as you like, no variable-rate surprises and no interests that keeps increasing your debt.
One-click leverage
Loop yield-bearing collateral up to ~10× in a single transaction to amplify your strategy.
Keep Rewards, Points and more
When using FiRM the borrower keeps any reward, yield, point and even governance rights if any of the collateral thanks to the Personal Escrow.
Safety-first & audited
Flash-loan attack protection, pessimistic price oracles, daily borrow limits and multiple independent audits keep the protocol resilient.
Isolated markets & positions
Every position lives in its own personal collateral escrow and collaterals are never lent out.
Fully on-chain DAO
FiRM is governed by INV holders. Transparent, permissionless, and owned by its community.
Stop sweating variable rates
Real history: Aave's variable USDC borrow APY versus the rate you'd have locked by holding DBR. Variable rates can spike at any time, DBR keeps your rate fixed.
How it works
Three steps from collateral to a fixed-rate loan.
- Step 1
Deposit collateral
Supply ETH, LSTs, LP tokens and more into an isolated market, your collateral stays in your own escrow.
- Step 2
Hold DBR to fix your rate
DBR is your fixed-rate fuel: one DBR lets you borrow one DOLA for one year. Top up to extend your loan.
- Step 3
Borrow DOLA
Mint the DOLA stablecoin against your collateral and repay on your own terms, any time.
The tokens that power FiRM
A focused three-token system: borrow, fix, and govern.
DOLA
The stablecoin you borrow
A decentralized, debt-backed stablecoin that stays close to $1, the asset you mint when you borrow on FiRM.
DBR
Your fixed-rate fuel
The DOLA Borrowing Right. Holding DBR fixes your borrow rate; one DBR funds one DOLA of debt for one year.
INV
Governance & ownership
The governance token of Inverse Finance. INV holders steer the DAO, vote on markets, and secure the protocol.
Ready to borrow at a fixed rate?
Explore the markets, check your borrowing credits, and open a position in minutes.