Pre-deposits opening soon

Be first into
Lotus vaults.

Be first into
Lotus vaults.

Get priority access to risk-segmented vaults with high-quality collateral before they open up to the public.

Building with

Launch Timeline

First announcement

Feb 2026

Testnet deployment

April 2026

Audits completed & published

May 2026

Pre-deposit vaults open

May 2026

General availability

2/3

Audits completed

3

Day 1 Vault Managers

2

Markets at launch

The problem

DeFi lending forces
a bad tradeoff.

DeFi lending forces
a bad tradeoff.

Pooled markets misprice risk. Fragmented markets split liquidity. Both degrade underwritability.

The solution

Connected liquidity
across risk levels.

Connected liquidity
across risk levels.

One market with ordered tranches allows depth to concentrate while risk tiers stay explicit.

Security

Built to be verified, not trusted.

Smart Contract Audits

Independent review by 0x52 covering core protocol, IRMs, liquidation, and vaults. Additional review by a tier 1 auditor before mainnet. Full reports published on completion.

Application Security

Security doesn't stop at the contract layer. Application-level penetration testing and infrastructure hardening planned before mainnet.

Economic Risk Ratings

Economic stress testing and simulation analysis by Block Analitica. Real-time tranche-level risk ratings from Credora.

Try our interactive docs

The best way to understand Lotus is to interact with it. Walk through the core mechanics and test them yourself.

How connected liquidity works

Adjust the supply and borrow values to see how Lotus keeps liquidity unified across risk levels.

How productive debt creates a floor

Adjust treasury allocation and watch the yield floor change. Every dollar supplied earns – even when it's not borrowed.

Understanding tranche risk

Explore different tranches to see how your rate, leverage, and liquidation price shift across the spectrum.

  • "As risk managers, we’re very excited to work with Lotus. The connected risk tranches allow for designing more robust interest rate models, which leads to better risk pricing."

    Primoz Kordez, Founder of Block Analitica

  • "It's incredibly exciting to see a protocol like Lotus finally bring tranches to the space. This is a massive unlock for credit desks, giving us the actual precision we need to manage our cost of capital and move away from 'one-size-fits-all' borrowing."

    Simona Skvirsky, Credit at FalconX

  • "Lotus's unique tranche-based lending system enables lenders to make informed decisions based on real-time risk assessments and yield-adjusted returns. We're excited to partner with them in bringing sophisticated risk management tools to a broader DeFi audience."

    Mike Massari, Credora Lead

  • "As risk managers, we’re very excited to work with Lotus. The connected risk tranches allow for designing more robust interest rate models, which leads to better risk pricing."

    Primoz Kordez, Founder of Block Analitica

  • "It's incredibly exciting to see a protocol like Lotus finally bring tranches to the space. This is a massive unlock for credit desks, giving us the actual precision we need to manage our cost of capital and move away from 'one-size-fits-all' borrowing."

    Simona Skvirsky, Credit at FalconX

  • "Lotus's unique tranche-based lending system enables lenders to make informed decisions based on real-time risk assessments and yield-adjusted returns. We're excited to partner with them in bringing sophisticated risk management tools to a broader DeFi audience."

    Mike Massari, Credora Lead

Learn more

Learn more

The thesis

orb

Introducing Lotus: What's In Your Vault?

Feb 4, 2026

03 Oct' 25

The market structure problem

A view of the top of the eiffel tower

The Missing Middle in DeFi Lending

Feb 10, 2026

03 Oct' 25

The system

A view of the top of the eiffel tower

Connected by Design: How Lotus Works

Mar 20, 2026

03 Oct' 25

Borrower benefits

A view of the top of the eiffel tower

Choose Your Tranche: Borrow on Your Terms

Mar 26, 2026

03 Oct' 25

The thesis

orb

Introducing Lotus: What's In Your Vault?

Feb 4, 2026

03 Oct' 25

The market structure problem

A view of the top of the eiffel tower

The Missing Middle in DeFi Lending

Feb 10, 2026

03 Oct' 25

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