Supported Assets
Available Markets Overview
Everst carefully curates an asset portfolio across multiple blockchain networks. Each asset undergoes comprehensive evaluation for liquidity, oracle reliability, and market demand before listing, ensuring users receive the highest quality lending and borrowing experience.
Stablecoin
USDT (Tether)
Everst's core stablecoin with the highest collateral factor, serving as the primary lending currency and store of value.
Collateral Factor: Up to 85%
Supply APY: Dynamic floating (based on market demand)
Borrow APY: Dynamic floating (based on market demand)
Network Support: BSC and other major networks
Daily Trading Volume: Billions of dollars
Use Case: Stable value benchmark and primary trading pair
USDT Advantages:
One of the world's largest stablecoins with excellent liquidity
Strong cross-chain compatibility across multiple networks
Price stability, suitable for conservative investors
Extremely low liquidation risk
Tokenized Stocks
Everst pioneered tokenized stock lending in DeFi. These assets track real-world stock prices through oracle systems, providing investors with an unprecedented tokenized stock DeFi experience.
Blue-Chip Technology Stocks
AAPL (Apple Inc.)
Collateral Factor: Up to 75%
Market Cap: $3+ trillion
Supply APY: 3-12% (demand-based)
Borrow APY: 5-18% (utilization-based)
Characteristics: World's largest tech company, stable growth
Target Audience: Conservative investors
MSFT (Microsoft)
Collateral Factor: Up to 75%
Market Cap: $2.8+ trillion
Supply APY: 3-10%
Borrow APY: 5-15%
Characteristics: Cloud computing and enterprise software leader
Target Audience: Long-term value investors
GOOGL (Alphabet)
Collateral Factor: Up to 75%
Market Cap: $2+ trillion
Supply APY: 4-11%
Borrow APY: 6-16%
Characteristics: Search engine and advertising technology leader
Target Audience: Tech investment enthusiasts
High-Growth Technology Stocks
TSLA (Tesla)
Collateral Factor: Up to 70%
Market Cap: $800+ billion
Supply APY: 5-15%
Borrow APY: 8-25%
Characteristics: Electric vehicle and clean energy leader
Risk Level: Medium-High (higher volatility)
Target Audience: Risk-tolerant investors
NVDA (NVIDIA)
Collateral Factor: Up to 70%
Market Cap: $3+ trillion
Supply APY: 6-18%
Borrow APY: 8-28%
Characteristics: AI chips and data center solutions
Risk Level: Medium-High
Target Audience: AI concept investors
META (Meta Platforms)
Collateral Factor: Up to 70%
Market Cap: $1.3+ trillion
Supply APY: 4-14%
Borrow APY: 6-22%
Characteristics: Social media and metaverse platform
Target Audience: Social technology investors
Traditional Financial Stocks
JPM (JPMorgan Chase)
Collateral Factor: Up to 70%
Market Cap: $600+ billion
Supply APY: 3-9%
Borrow APY: 5-14%
Characteristics: One of America's largest banks
Target Audience: Traditional finance investors
BAC (Bank of America)
Collateral Factor: Up to 70%
Market Cap: $300+ billion
Supply APY: 3-8%
Borrow APY: 5-13%
Characteristics: Global investment banking and financial services
Target Audience: Banking stock investors
ETF Index Funds
SPY (SPDR S&P 500 ETF)
Collateral Factor: Up to 75%
Assets Under Management: $500+ billion
Supply APY: 2-8%
Borrow APY: 4-12%
Characteristics: Tracks S&P 500 index
Target Audience: Diversified investors
QQQ (Invesco QQQ Trust)
Collateral Factor: Up to 75%
Assets Under Management: $240+ billion
Supply APY: 3-10%
Borrow APY: 5-15%
Characteristics: Tracks Nasdaq 100 index
Target Audience: Tech growth stock investors
Asset Listing Standards
Liquidity Requirements
Minimum Daily Trading Volume: Over $100 million
DEX Liquidity: Sufficient liquidity across supported networks
Cross-chain Infrastructure: Verified bridging solutions
Market Depth: Ensure large trades don't significantly impact prices
Oracle Requirements
Primary Price Source: Chainlink or Pyth Network
Backup Oracle: At least one independent backup data source
Deviation Tolerance: Configurable price deviation thresholds
Update Frequency: Regular heartbeat intervals ensure data timeliness
Risk Assessment
Historical Volatility Analysis: At least 12 months of price history data
Correlation Studies: Correlation analysis with listed assets
Contract Audits: Smart contract security audit reports
Compliance Review: Comprehensive regulatory compliance assessment
Dynamic Interest Rate Mechanism
Interest rates change in real-time based on market dynamics:
Supply Rate Influencing Factors
Market Demand: Higher borrowing demand = higher supply rates
Asset Scarcity: Popular tokenized stocks typically offer higher yields
Network Effects: More users = better liquidity = more stable rates
Seasonal Factors: Earnings seasons, dividend seasons affect stock borrowing demand
Borrow Rate Structure
Base Rate: Minimum borrowing cost for each asset
Utilization Multiplier: Rates gradually increase as assets are borrowed more
Jump Rate: Sharp increase after 80% utilization to maintain protocol stability
Actual Rate Examples (Current Market Conditions):
USDT
3-8%
5-12%
15%
AAPL
4-12%
6-18%
25%
TSLA
6-18%
8-28%
40%
NVDA
7-20%
10-32%
50%
Asset Addition Process
Community Proposal Mechanism
Everst community can propose new assets through governance:
Submit Proposal: Include detailed liquidity data and market analysis
Oracle Solution: Provide feasible price source integration plan
Community Risk Assessment: Comprehensive risk analysis by community experts
Governance Vote: Minimum 7-day public voting period
Technical Implementation: Implementation by technical team upon approval
New Asset Requirements
Established History: At least 12 months of trading records
Verifiable Contracts: Open-source and audited smart contracts
Reliable Oracle: Stable price data sources
Sufficient Liquidity: Adequate liquidity across supported networks
Community Demand: Clear market demand and user base
Multi-Asset Strategy Advantages
Diversified Yields
Achieved by supplying multiple asset types:
Reduce Concentration Risk: Not dependent on single asset performance
Diversified Returns: Different yield characteristics of various assets
Balanced Collateral Portfolio: Combination of stablecoin + tokenized stocks
Optimize Borrowing Capacity: Maximize your borrowing limits
Cross-Collateralization Strategy
All supplied assets contribute to borrowing power:
Portfolio Example:
Supply 10,000 USDT (85% collateral factor) → $8,500 borrowing power
Supply $5,000 worth of AAPL (75% collateral factor) → $3,750 borrowing power
Supply $3,000 worth of TSLA (70% collateral factor) → $2,100 borrowing power
Total Borrowing Power: $14,350
This strategy enables you to:
Maintain stable yields under different market conditions
Adjust portfolio according to personal risk preferences
Enjoy dual benefits of stock appreciation and stablecoin yields
Oracle Price System
Price Data Sources
Primary Oracles:
Chainlink: Decentralized oracle network covering all major stocks
Pyth Network: High-frequency price updates focused on financial market data
Price Update Logic:
Tokenized Stocks: Follow US stock trading hours, after-hours prices remain stable
USDT: Real-time monitoring, updates when deviation exceeds 0.1%
Emergency Situations: Manual intervention capability for extreme situations
Price Security Mechanisms
Multiple Data Sources: Prevent single points of failure
Deviation Checks: Monitor price differences between oracles
Circuit Breakers: Protection measures during extreme volatility
Conservative Valuation: Use safer prices for protocol during disputes
Important Considerations
Market Hours Characteristics
Tokenized Stocks: Prices follow US stock trading hours, less volatility on weekends
USDT: 24/7 real-time trading and price updates
Holiday Impact: Stock token liquidity may decrease during US holidays
Cross-chain Operations
Official Bridges: Always use officially certified cross-chain bridges
Contract Verification: Always verify contract addresses before transactions
Fee Considerations: Cross-chain operations may incur additional fees
Tax Implications
Supplying and borrowing may have tax consequences in your jurisdiction. Please consult a tax professional for guidance.
Upcoming Assets
Planned Tokenized Stocks
AMZN (Amazon) - Expected launch next month
NFLX (Netflix) - Under evaluation
DIS (Disney) - Community voting in progress
AMD (Advanced Micro Devices) - Technical integration underway
Emerging Market ETFs
EEM (iShares MSCI Emerging Markets) - Under research
VTI (Vanguard Total Stock Market) - Oracle integration in progress
Asset Usage Recommendations
Beginner Recommended Portfolio
70% USDT: Stable foundation, low risk
20% AAPL/MSFT: Blue-chip stocks, steady growth
10% SPY: Diversified index fund
Advanced Investment Portfolio
50% USDT: Stable core
30% Blue-chip Stock Tokens: AAPL, MSFT, GOOGL
20% Growth Stock Tokens: TSLA, NVDA, META
Aggressive Investment Portfolio
30% USDT: Basic safety cushion
30% High-growth Stocks: TSLA, NVDA
40% Diversified Stock Portfolio: Balanced allocation across tech, finance, ETFs
Next Steps
Ready to start using Everst?
Connect Wallet to get started immediately
Supply Assets to earn yields
Borrow Assets to access liquidity
Risk Management for effective control
Asset availability and parameters may change through governance. Always verify current values in the app.
💡 Professional Advice: Regularly rebalance your investment portfolio and adjust asset allocation ratios based on market changes.
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