Overview
v$ {{loans.data.vusd | numb}}

Total Ecosystem Borrowing (v$)

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Total Amount Locked

Lend
Lock VOW

Lock VOW has been discontinued 

From 26.3.25 the VOW lock contract will not accept new locks. All VOW locks up to 26.3.25 are unaffected and displayed below.

My balances
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VOW Balance

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v$ Balance

${{ vowRate.data / 1e4 }}

VOW

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USDT Balance

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USDC Balance

${{ vowRate.data / 1e4 }}

VOW

Total Locked
{{lendings.data.totalVowLocked | numb}} VOW

Total locked Vow

v$ {{lendings.data.totalVowDollarLocked * 6 / 100 | numb}}

Total APY (6%)

${{lendings.data.totalVowDollarLocked | numb}}

VOW on the day locked

${{lendings.data.totalVowLocked | vowUsd(vowRate.data) }}

VOW value today

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ID #{{ loan.id }}
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VOW Locked

v$ {{ loan.vusd * 6 / 100 | numb }}

APY

${{ loan.vusd | numb }}

VOW on the day locked

${{loan.vow | vowUsd(vowRate.data) }}

VOW value today

v${{ loan.withdrawableYield ? loan.withdrawableYield : ' •••' }}

Withdrawable Yield

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Activated ID: {{ web3Wallet.id }}

Lend v$ Lend {{ selectedCurrency }}

You Pay
  • v$
  • USDT
  • USDC

TLN Stablecoin Lending
Fixed-Term Stablecoin 20% APY on BSC TLN Stablecoin Lending is a non-custodial DeFi lending pool built on Binance Smart Chain (BSC), designed to deliver structured stablecoin yield backed by over-collateralised VOW access staking.

It combines:

Fixed-term lending Fixed repayment windows Mandatory borrower access staking On-chain transparency Smart-contract execution
My balances
{{ vowBalance.data | bnbRoundedFour }}

VOW Balance

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v$ Balance

${{ vowRate.data / 1e4 }}

VOW

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USDT Balance

{{ usdcBalance.data | bnbRoundedFour }}

USDC Balance

${{ vowRate.data / 1e4 }}

VOW

Direct v$ loans
Your Decentralized Lending (v$)
v$ {{ lendings.data.totalVowDollarDeposited | numb }}

Total Lending

v$ {{ lendings.data.yield18Deposited * 12 / 100 | numb }}

Total APY (12%)

v$ {{ lendings.data.yield12Deposited * 18 / 100 | numb }}

Total APY (18%)

{{ loan.block_time | timestampFromMysql }}
ID #{{ loan.id }}
v$ {{ loan.vusd | numb }}

Leant v$

v$ {{ loan.vusd * (loan.id <= 710 ? 12 : 18) / 100 | numb }}

APY

v${{ loan.withdrawableYield ? loan.withdrawableYield : ' •••' }}

Withdrawable Yield

Your TLN Stablecoin Lending
$ {{ stableLendings.totalLending | numb }}

Total Stablecoin Lending

$ {{ stableLendings.totalLending * 20 / 100 | numb }}

Total APY (20%)

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ID #{{ stableLending.id }}
{{ stableLending.stable_amount | numb }} {{ stableLending.stable_token }}

Leant

{{ stableLending.stable_amount * 20 / 100 | numb }} {{ stableLending.stable_token }}

APY

{{ stableLending.withdrawableYield ? stableLending.withdrawableYield : ' •••' }} {{ stableLending.stable_token }}

Withdrawable Yield

Referred by ID: {{ referId }}
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TLN

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TLN Stablecoin Lending

Fixed-Term Stablecoin 20% APY on BSC

TLN Stablecoin Lending is a non-custodial DeFi lending pool built on Binance Smart Chain (BSC), designed to deliver structured stablecoin yield backed by over-collateralised VOW access staking.

It combines:

  • Fixed-term lending
  • Fixed repayment windows
  • Mandatory borrower access staking
  • On-chain transparency
  • Smart-contract execution

Earn Structured Stablecoin Yield

Deposit USDC or USDT (minimum 10,000) into the TLN liquidity vault and participate in:

Target Yield: 20% APY

Term: 367 days

Payout Asset: USDC or USDT

Accrual: Daily

All funds are deployed by smart contracts on BSC. There is no centralized custody layer.

How Capital Is Used

Deposited stablecoins are programmatically allocated into defined protocol buckets:

1. Market Support Allocation

A portion of funds acquires VOW from the open market.

2. Yield Allocation

A portion supports structured yield distribution.

3. Borrowing Liquidity

The remaining capital is made available to qualified borrowers.

This creates a circular economic structure where lending activity supports protocol growth.

Borrower Structure: Skin in the Game

Only borrowers who commit meaningful capital may access loans.

To borrow, participants must:

  • Lock a mandatory 5,000,000 VOW access stake
  • Provide VOW collateral equal to 300% of loan value
  • Accept a fixed valuation of VOW at borrow time
  • Repay strictly on Day 365, 366, or 367

There are:

  • No rolling extensions
  • No discretionary liquidation
  • No margin calls
  • Fully deterministic smart contract rules

This creates a fixed-term, rules-based environment.

Default & Collateral Claim

If a borrower fails to repay within the allowed window:

  • Lenders may claim VOW collateral
  • Claims are capped at 100% of loan value
  • Recovery is limited to the VOW tokens originally locked

This aligns borrower incentives while preserving protocol transparency.

Why TLN Is Structurally Different

Unlike variable-rate DeFi pools, TLN offers:

  • ✓ Fixed-term capital lock
  • ✓ Defined repayment window
  • ✓ Over-collateralised access requirement
  • ✓ Transparent on-chain mechanics
  • ✓ No centralized lending desk

The protocol is designed for participants who prefer structured exposure rather than open-ended lending markets.

Key Considerations

TLN Stablecoin Lending carries risk, including:

  • VOW price volatility impacting collateral value
  • Stablecoin price volatility or de-peg risk
  • Smart contract risk
  • Locked liquidity for 367 days

This is a DeFi protocol — not a bank product, not insured, and not guaranteed.

Participants should understand the mechanics before allocating capital.

Built on BSC

  • Fully on-chain
  • Non-custodial smart contracts
  • Deterministic rules
  • Transparent capital flows

TLN Stablecoin Lending

Structured Yield. Fixed Rules. On-Chain Transparency.