Introducing → LENDR

Growing a completely new ecosystem

Lendr is a decentralized reserve currency protocol built on the Polygon Network. Our goal is to provide a self-dependent platform that gives everyone access to the basics in a decentralized environment all powered by smart contracts on the Polygon Network.

The protocol is based on the Lendr token. Each Lendr token is backed by a basket of assets (Dai, Matic, Bitcoin, and Ethereum) in the Lendr treasury, giving it an intrinsic value that cannot fall below a certain amount. Lendr also introduces economics’ and gamifies staking and minting through daily and weekly quests, which in return yields efflux points that can be used to craft limited edition NFT’s.


We have implemented quests that are daily or weekly missions. Completion of a quest will grant you efflux. Quests are meant to make it more fun and give the motivation to invest and earn yield.

We hope to implement a voting system later on that will use the player’s level in some form where voting power is affected since we believe that users that engage in the platform the most should have a little more to say when developing and controlling the app. This is also to minimize rapid wallet address creation and spam voting. Efflux is also a value you will receive when completing quests. Efflux can be used to mint NFT’s which will be a limited edition to each season. learn more about the rewards bought by Efflux here.

Providing a seamless opportunity to everyone

Lendr Finance is a community-driven DeFi protocol. Being a part of the next financial revolution should be easy, even for people who don’t understand the mechanism and technology. Lendr Finance is designed to simplify the advantages of DeFi, making it easy and understandable for the average user.

At Lendr Finance we aim to build a service for the average user by providing robust DeFi services through a simple UI. Our goal is to polish the recent innovation in order to fulfill our goal of reaching mass adoption. The vast majority of people coming into crypto seems to have a hard time wrapping their mind around DeFi, the mechanism, and how it works and this is exactly what Lendr will change. We will be communicating and providing information in a simple language while designing the UI as intuitively as possible.

How can you benefit from Lendr?

The main benefit for stakers comes from supply growth. The protocol mints new Lendr tokens from the treasury, the majority of which are distributed to the stakers. Thus, the gain for stakers will come from their auto-compounding balances, though price exposure remains an important consideration. That is, if the increase in token balance outpaces the potential drop in price (due to inflation), stakers would make a profit.

The main benefit for minters comes from price consistency. Minters commit capital upfront and are promised a fixed return at a set point in time; that return is given in Lendr tokens and thus the minter’s profit would depend on Lendr price when the minted Lendr matures. Taking this into consideration, minters benefit from a rising or static price for the Lendr token!



  • Staking is the primary value accrual strategy of Lendr. Stakers stake their Lendr on the Lendr app to earn rebase rewards. The rebase rewards come from the proceed from minting, and can vary based on the number of Lendr staked in the protocol and the reward rate set by monetary policy.
  • Staking is a passive, long-term strategy. The increase in your stake of Lendr translates into a constantly falling cost basis converging on zero. This means even if the market price of Lendr drops below your initial purchase price, given a long enough staking period, the increase in your staked Lendr balance should eventually outpace the fall in price.
  • When you stake, you lock Lendr and receive an equal amount of sLendr. Your sLendr balance rebases up automatically at the end of every epoch. sLendr is transferable and therefore composable with other DeFi protocols.
  • When you unstake, you burn sLendr and receive an equal amount of Lendr. Unstaking means the user will forfeit the upcoming rebase reward. Note that the forfeited reward is only applicable to the unstaked amount; the remaining staked Lendr (if any) will continue to receive rebase rewards.


  • Minting is the secondary value accrual strategy of Lendr. It allows Lendr to acquire its own liquidity and other reserve assets such as LUSD by selling Lendr at a discount in exchange for these assets. The protocol quotes the minter with terms such as the mint price, the amount of Lendr tokens entitled to the minter, and the vesting term. The bonder can claim some of the rewards (Lendr tokens) as they vest, and at the end of the vesting term, the full amount will be claimable.
  • Minting is an active, short-term strategy. The price discovery mechanism of the secondary bond market renders bond discounts more or less unpredictable. Therefore minting is considered a more active investment strategy that has to be monitored constantly in order to be more profitable as compared to staking.
  • Minting allows Lendr to accumulate its own liquidity. We call our own liquidity POL. More POL ensures there is always locked exit liquidity in our trading pools to facilitate market operations and protect token holders. Since Lendr becomes its own market, on top of additional certainty for Lendr investors, the protocol accrues more and more revenue from LP rewards bolstering our treasury.

A strong community is key for every crypto project. We want our holders to have as much influence on the project as ourselves. By holding the LENDR token you will be able to anticipate votes and claim rewards based on your anticipation. We aim to become a DAO where our community will decide future functionality, quests, NFT themes, and everything else.

Connect with us!

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Lendr is a decentralized reserve currency protocol available on the Polygon Network based on the Lendr token.

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Lendr Finance

Lendr Finance

Lendr is a decentralized reserve currency protocol available on the Polygon Network based on the Lendr token.

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