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Credit lets a holder post RWA tokens as collateral and borrow the asset’s payment token (cNGN) without selling. The collateral keeps earning: an accruing asset such as gNTB grows in price while it is posted. Lenders supply cNGN to the same market and earn the interest borrowers pay. GetEquity does not run its own lending protocol. Each chain uses an established, permissionless lending venue, and GetEquity provides the market’s price feed: You interact with these protocols directly from your wallet. GetEquity never holds your collateral or your loan and cannot move them.
Testnets only today. Credit is live on Base Sepolia and Solana devnet for gNTB / cNGN. There is no mainnet market on either chain yet; addresses will be added here when one opens. Testnet tokens have no value.

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Markets

Borrow up to is the highest loan-to-value (LTV) a new borrow or a collateral withdrawal may leave. Liquidation at is the LTV at which anyone may liquidate the position. Morpho uses one number for both; Kamino keeps a small gap between them, so a loan taken at the limit is not immediately liquidatable. Addresses are on the Base addresses and Solana addresses pages.

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How a loan works

1

Post collateral

Deposit gNTB into the market. It stays yours: it sits in the lending protocol, not with GetEquity, and keeps accruing in price.
2

Borrow cNGN

Borrow up to the market’s limit against the collateral’s current value. The cNGN goes to your wallet.
3

Watch your health

Interest accrues on the loan every second. Health = collateral value × liquidation LTV ÷ debt. Above 1.0 you are safe; at or below 1.0 the position can be liquidated.
4

Repay and withdraw

Repay any amount at any time, then withdraw collateral. There is no term and no prepayment penalty.

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Interest rates

Rates are variable and set by utilisation, the share of supplied cNGN that is borrowed:
  • Base (Morpho): the AdaptiveCurveIRM targets 90% utilisation. Above the target the rate climbs to 4× the target rate at 100%; below it, it falls to ¼ at 0%. The target rate itself drifts over time towards the level that keeps utilisation near 90%.
  • Solana (Kamino): a fixed piecewise-linear curve on the cNGN reserve: 0% at 0% utilisation, 15% at 80%, 30% at 90% and 80% at 100% (devnet values).
Lenders earn the borrow rate × utilisation, less any protocol fee.

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Liquidation

When health falls to 1.0 or below, anyone may repay part of the debt and take the same value of collateral plus a bonus: about 7.4% at a 77% liquidation LTV on both chains. You keep the rest of your collateral and the cNGN you borrowed. To avoid it, repay some cNGN or add collateral before health reaches 1.0.

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How collateral is priced

Both markets price gNTB from GetEquity’s on-chain price: the same accrued price the Market trades at, which grows every second at the asset’s rate (see yield and accrual).
  • Base: an RWAPriceOracle exposes the Market’s live price as a Chainlink-style feed, wrapped in Morpho’s standard MorphoChainlinkOracleV2. It reverts rather than return a zero or stale price, so borrows pause instead of mispricing.
  • Solana: a Scope price feed on Kamino’s oracle program carries gNTB’s accrued price in cNGN, with cNGN fixed at 1.

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Risks to know before you borrow or lend

  • Liquidation. A falling collateral price or rising debt can bring health to 1.0; liquidation is automatic and on chain.
  • Price governance. gNTB’s price comes from GetEquity’s Market. GetEquity’s multisig can change an asset’s rate or price, pause an asset, or change its payment token. Any of these moves the collateral value the lending market sees.
  • Waiting to withdraw. Lenders can withdraw only cNGN that is not lent out. When utilisation is near 100%, the rate rises sharply to bring repayments and new lenders.
  • Bad debt. If collateral ends up worth less than the loan before it is liquidated, lenders in that market share the shortfall.
  • Protocol risk. Morpho Blue and Kamino Lend are third-party protocols with their own audits and risks.

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Next

Credit on Base

Morpho Blue calls to supply, borrow, repay and withdraw.

Credit on Solana

Kamino Lend instructions, reserves and the price feed.