FIXED RATE PROTOCOL · BSC MAINNET · LIVE
Lend. Borrow. Earn. On-chain.

BORROW & SUPPLY AT FIXED RATES

Borrow and Supply with your chosen fixed interest rate. No banks, no middlemen — just immutable smart contracts on Binance Smart Chain. Full control. Zero custody.

4.08%
MARKET RATE
50K+
MIN. BORROW
180D
MAX DURATION
0%
CUSTODY FEE
◈ FIXED RATE — 7D HISTORY 4.08% ▲
HOW IT WORKS →
MARKET
USDT $1.000 RATE 4.08% TVL $2.4M UTIL 78.3%
--:--:--
LENDING TERMINAL
LIVE
◈ LIVE
HEXA PROOF AUDIT
BSC VERIFIED CONTRACT
ZERO CUSTODY
INSTANT DISBURSEMENT
ON-CHAIN TRANSPARENCY
// FLOW
How DeFi Lending Works

Four steps from wallet to fixed-rate loan — all on-chain, all automated.

01
🔗
CONNECT WALLET
Connect your BSC-compatible wallet. No registration, no KYC. Fully permissionless access.
02
📋
SET YOUR TERMS
Choose your borrow amount, set your desired fixed interest rate, and select duration (30/90/180 days).
03
⚡
SMART CONTRACT MATCH
The protocol algorithmically matches your request with liquidity providers. Loan disbursed instantly to your wallet.
04
💰
AUTO-REPAY
Choose auto-repay or flexible rate conversion. Smart contract handles everything — no manual intervention needed.
// CAPABILITIES
Protocol Features
01
📌
FIXED INTEREST RATES
  • Choose your own rate
  • Rate locked at loan creation
  • No surprise fluctuations
  • Transparent pricing always
02
⚡
INSTANT DISBURSEMENT
  • Loan sent directly to wallet
  • Zero waiting period
  • On-chain confirmation
  • Available 24/7 globally
03
🔒
NON-CUSTODIAL
  • Funds never leave your control
  • Zero platform custody
  • Smart contract enforced
  • Self-sovereign finance
04
💧
SUPPLY LIQUIDITY
  • Earn yield as a supplier
  • Flexible supply terms
  • Automated interest accrual
  • Withdraw anytime (flexible)
05
🔄
AUTO-REPAY SYSTEM
  • One-click auto-repay setup
  • Or convert to flexible rate
  • No missed payment risk
  • Customizable repayment flow
06
🌐
BSC POWERED
  • Low gas fees on BSC
  • Fast transaction finality
  • USDT (BEP-20) native
  • Verified on BscScan
// PROTOCOL METRICS
4.08%
Market Rate
Reference APR
50K
Min Borrow
USDT (BEP-20)
180D
Max Duration
Flexible terms
0%
Custody Fee
Trustless protocol
// SECURITY
Trust & Security

Fully audited, verified, and immutable lending infrastructure.

🛡️
HEXA PROOF AUDIT
Full smart contract audit — all critical lending paths verified and signed.
✓ VERIFIED
⬡
BINANCE VERIFIED
Deployed and source-verified on Binance Smart Chain mainnet.
✓ VERIFIED
🔐
ZERO CUSTODY
Funds flow directly wallet-to-wallet. The protocol never holds your assets.
ACTIVE
📡
ON-CHAIN TRANSPARENCY
All rates, terms, and repayments are fully verifiable on-chain at any time.
LIVE
// RATE COMPARISON
DefiAX vs The Market

Fixed rates, zero custody, instant settlement. See how we compare.

⭐ BEST RATE
DefiAX
4.08%
Fixed APR
  • ✓ Fixed rate — you choose
  • ✓ Non-custodial
  • ✓ Instant disbursement
  • ✓ No KYC required
  • ✓ On-chain transparent
Traditional Bank
12–18%
Variable APR
  • ✗ Rate changes anytime
  • ✗ Bank holds your funds
  • ✗ 3–7 day processing
  • ✗ Full KYC + documents
  • ✗ No transparency
Other DeFi Protocols
6–15%
Variable APR
  • ✗ Rates fluctuate daily
  • △ Some non-custodial
  • ✓ Fast settlement
  • ✓ No KYC
  • △ Partial transparency
// GET STARTED
Ready to Borrow
at Fixed Rates?

Join thousands of DeFi users who trust DefiAX for transparent, immutable, and non-custodial lending on BSC.

TELEGRAM COMMUNITY →
// COMMUNITY
Trusted by DeFi Users

What our borrowers and suppliers say about the DefiAX lending protocol.

★★★★★
"Finally a DeFi protocol that actually lets me set my own fixed rate. No more watching rates fluctuate overnight. The auto-repay feature is a game changer."
AR
Arjun R.
Borrower · BSC Whale
★★★★★
"I supply liquidity here because the terms are immutable. No rug risk, no admin control. The on-chain transparency gives me full confidence in every transaction."
SK
Sneha K.
Liquidity Supplier
★★★★★
"Borrowed 100K USDT, got it instantly in my wallet. Zero custody, zero KYC. This is what DeFi was always supposed to be — trustless and fast."
MH
Mohammed H.
Institutional Borrower
// SUPPORT
Frequently Asked Questions

Everything you need to know about DeFi lending on DefiAX.

What collateral is required to borrow? ▼
DefiAX uses a protocol-matched lending model. Collateral requirements depend on the liquidity pool conditions at time of borrowing. All terms are set transparently via smart contract — no hidden requirements.
How is the interest rate fixed? ▼
You set your desired rate when placing a borrow request. The smart contract locks that rate for the full duration of your loan. The market reference rate (4.08%) is just a guide — your negotiated rate is immutably stored on-chain at loan creation.
What is the minimum and maximum borrow amount? ▼
Minimum borrow is 50,000 USDT (BEP-20). Maximum depends on available liquidity in the protocol pool. You can check real-time liquidity before submitting a borrow request.
Does DefiAX hold my funds at any point? ▼
Never. DefiAX is fully non-custodial. Funds flow directly wallet-to-wallet via smart contract. The protocol never holds, touches, or controls your assets at any stage.
What happens if I miss a repayment? ▼
Auto-repay handles this automatically if enabled. If using flexible repayment, the smart contract follows the terms set at loan creation. We recommend enabling auto-repay to avoid any penalties or rate conversion.
Is the smart contract audited? ▼
Yes. The DefiAX lending contract is fully audited by Hexa Proof and source-verified on BscScan. All critical paths — borrowing, repayment, rate locking, and disbursement — have been reviewed and signed off.
Can I repay early? ▼
Yes. Early repayment is allowed. Interest is calculated pro-rata — you only pay for the days you've borrowed. No prepayment penalties are charged by the protocol.