Lending

Scope: This page covers PredMart's borrow & lend product on Polygon — separate from the trading pool. To be the counterparty of leveraged traders instead, see Providing Liquidity.

Supply USDC to the lending pool and earn yield from real borrowing demand — traders borrowing against their Polymarket shares pay interest, and that interest is your yield.

How it works

1. Supply USDC — Deposit into the lending pool and receive vault shares (ERC-4626 standard).
2. Yield accrues — Borrowers pay a utilization-based APR, and your shares grow in value as that interest accrues. No claiming, no staking.
3. Withdraw anytime — Exchange your shares back for USDC at the current value, whenever pool liquidity allows.

Where the yield comes from

Every dollar of yield is paid by a real borrower. Rates follow utilization: when most of the pool is lent out, both the borrow APR and your supply yield rise; when the pool sits idle, they fall.

Risks

• Bad debt — If a liquidation doesn't fully cover a borrower's debt, the shortfall is absorbed by the pool and shared by lenders. Conservative loan limits and automatic liquidations keep this rare.
• Utilization — If nearly all supplied USDC is lent out, a withdrawal may need to wait for repayments to free up liquidity.
• Smart contracts — Funds are held by audited, non-custodial contracts (audited by Hashlock).