Welcome to HopeLend

A decentralized non-custodial lending protocol

HopeLend is a decentralized non-custodial liquidity protocol that enables depositors and borrowers to participate. As the second protocol launched by the HOPE Ecosystem, it offers users the chance to earn native yields. Additionally, it serves as the foundation for upcoming protocols like HopeConnect.


hTokens (HopeLend Tokens) are yield-generating tokens that are minted and burned upon deposit and withdrawal, mapping 1:1 to the assets that the user supplied.

dTokens (Debt Tokens) are interest-accruing tokens minted and burned upon borrowing and repaying, representing the debt owed by the token holder.


Depositor - Users who provide liquidity by supplying assets to HopeLend and receive hTokens. HopeLend aggregates the assets and lends them to borrowers, with accrued interest distributed to all depositors proportionally.

Borrower - Users who obtain liquidity by borrowing from HopeLend. Borrowers create loan positions by providing over-collateralized deposits and receive dTokens. Borrowers can gain liquidity and still retain exposure to the value of their assets through borrowing.


veLT holders will get revenue sharing through governance participation.

Liquidators will also get incentives (the liquidation bonus) by liquidating loans when needed.

Website: https://hope.money

HopeLend app: https://app.hope.money/#/lend/dashboard

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