About PredMart

What is PredMart?

PredMart is a non-custodial lending protocol designed specifically for Polymarket prediction market shares. It allows traders to deposit their Polymarket outcome shares (ERC-1155 conditional tokens) as collateral and borrow USDC against them. The borrowed USDC can then be used to purchase additional Polymarket shares, creating leveraged positions on any prediction market event.

For lenders, PredMart offers a way to earn yield by supplying USDC to the lending pool. Interest is generated from borrowers who use the protocol to leverage their Polymarket positions.

How Does Polymarket Lending Work?

Polymarket is the world's largest prediction market where users trade shares on the outcomes of real-world events. Shares are priced between $0 and $1, and pay out $1 if the predicted outcome occurs.

PredMart unlocks the value locked in these shares. Instead of your Polymarket positions sitting idle, you can use them as collateral to access USDC liquidity. Here's how it works:

1. Deposit Collateral: Transfer your Polymarket shares (conditional tokens from Polymarket's CTF contract) to PredMart's smart contract as collateral.
2. Borrow USDC: Based on the current market value of your shares and the protocol's loan-to-value ratio, borrow USDC from the lending pool.
3. Leverage Trade: Use the borrowed USDC to buy more Polymarket shares — amplifying your exposure to events you're confident about.
4. Repay & Withdraw: Repay your USDC loan plus interest at any time to reclaim your collateral shares.

Leveraged Trading on Polymarket

PredMart is the first protocol to enable leveraged trading on Polymarket prediction markets. Traditional prediction market trading limits you to your available capital. With PredMart's lending protocol, you can:

• Amplify Positions: Turn $100 worth of Polymarket shares into $150-200+ of exposure through collateral-backed borrowing.
• Trade Any Market: Leverage is available across all Polymarket events — U.S. elections, crypto prices, geopolitics, sports, science, technology, and culture.
• Manage Risk: Monitor your health factor in real-time. Add collateral or repay debt to maintain your positions and avoid liquidation.
• No Lock-ups: Repay your loan and withdraw collateral at any time. No fixed terms or lock-up periods.

Earning Yield as a Lender

If you prefer earning passive income over active trading, you can supply USDC to PredMart's lending pool. Your deposit is tokenized as pUSDC (an ERC-4626 vault share), which automatically accrues interest from borrower payments. The yield is variable, determined by pool utilization — the more USDC is borrowed, the higher the interest rate for lenders.

Key benefits for lenders:

• Earn real yield from borrower interest — not token emissions
• Withdraw USDC at any time with no lock-up period
• ERC-4626 vault standard — composable with other DeFi protocols
• Transparent on-chain accounting of pool reserves and utilization

How is Collateral Valued?

PredMart uses a signed oracle system to price Polymarket shares in real-time. The oracle fetches live prices from Polymarket's order book and signs price attestations that the smart contract verifies on-chain using ecrecover. This ensures that collateral is always valued at fair market prices without relying on a single centralized feed.

Smart Contract Architecture

PredMart is built on Polygon and uses a UUPS upgradeable proxy pattern for the core lending pool contract. The protocol interacts with Polymarket's Conditional Token Framework (CTF) contract for ERC-1155 share deposits and USDC for borrowing and lending. All collateral is held in the smart contract — PredMart is fully non-custodial.

Use Cases for Polymarket Leverage

• Election Trading: Got a strong conviction on a presidential election outcome? Leverage your Polymarket position to amplify potential returns.
• Event Hedging: Borrow against one position to fund a hedge on a correlated market, reducing your overall risk profile.
• Capital Efficiency: Instead of locking up all your capital in one Polymarket position, use leverage to free up USDC for other trades or investments.
• Yield Farming: Supply USDC to earn yield from prediction market leverage demand — a unique yield source uncorrelated with traditional DeFi lending markets.

Get Started

Ready to leverage your Polymarket positions or earn yield on USDC? Connect your wallet at predmart.com. Browse available Polymarket events at predmart.com/markets, or deposit USDC to the lending pool at predmart.com/deposit.