Snapshot
Continue to About ↓- What it does
- Maple is an onchain asset manager that pools stablecoin deposits (USDC, USDT, USDG) into ERC-4626 share pools and lends them to institutional borrowers against overcollateralized digital-asset collateral, with loan and collateral data verifiable onchain.
More detail
- It also provides bespoke overcollateralized credit to institutions that want liquidity without selling their holdings.
- A separate partner offering lets fintechs, wallets and exchanges embed Maple's yield products.
- Best for
- Non-US investors seeking variable-yield stablecoin products backed by overcollateralized institutional loans, and institutions wanting bespoke credit secured by BTC, ETH or other liquid digital assets.
- Pricing
- Maple doesn't charge a subscription.
More detail
- It earns through fees embedded in pool economics: loan fees go to the Pool Delegate and the Maple Treasury, and strategy fees go to the Strategy Delegate and the Maple Treasury, so lenders receive interest and strategy yield net of fees and the cost shows up as a
- Main limitation
- US persons, who are excluded from the earn products, and small retail lenders who cannot meet the $100k minimum and KYC requirements of the institutional secured-lending pool.
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- Structured profile ↗
About
- Maple is an onchain asset manager that pools stablecoin deposits (USDC, USDT, USDG) into ERC-4626 share pools and lends them to institutional borrowers against overcollateralized digital-asset collateral, with loan and collateral data verifiable onchain.
- It also provides bespoke overcollateralized credit to institutions that want liquidity without selling their holdings.
- A separate partner offering lets fintechs, wallets and exchanges embed Maple's yield products.
What it helps with
- Lenders need institutional-grade stablecoin yield from overcollateralized credit with loan and collateral data verifiabl
- Institutions holding BTC, ETH or other liquid digital assets want credit without selling their positions
- Borrowers need bespoke facilities funded quickly — the site claims average 24-hour funding and facilities in as little a
- Fintechs, wallets and exchanges want to offer Maple yield inside their own products rather than building lending themsel
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| ERC-4626 share-based pools | Yes | Lenders hold shares that appreciate as loans pay interest and strategies yield |
| Overcollateralized institutional lending | Yes | Loans are backed by collateral worth more than the loan, with collateral coverage around 138% on the institutional pool at capture |
| Onchain loan and collateral transparency | Yes | Every loan is recorded on a public blockchain and Maple publishes transparency dashboards |
| Borrower Hub | Yes | Email login without a wallet, multi-entity portfolio view, live LTV, margin-call and liquidation levels, and self-serve accept, refinance and pay actions |
| Strategies allocation | Yes | Idle pool capital can be allocated to Aave V3, Sky's sUSDS or Maple Managed Wallets, capped per strategy and moved by Liquidity Bots |
| Maple Embed partner integration | Yes | Offered to fintechs, wallets, exchanges and protocols; the site claims more than 50 partners build on it |
| Instant withdrawal | No | Redemptions go through a Withdrawal Manager that pays requests in order as liquidity allows, with a stated maximum time to liquidity of 30 days |
| US investor access to earn products | No | Earn products are described as open to global investors (non-US) |
| Guaranteed or fixed APY | No | Headline yields are variable marketing figures captured at a point in time, not commitments |
| Retail minimum on institutional pool | No | The secured-lending pool requires KYC and a $100k minimum |
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- Primary source
- maple.finance
Technical profile details
Record ID
b12fb9f2-5fb2-44bf-b441-d541c666e2c3Canonical URLhttps://profiles.scribble.network/listing/maple-finance-b12fb9f2