Collateral becomes a credit line.
Borrowty is a collection-isolated borrowing protocol for liquid NFTs on Robinhood Chain.
Borrowers lock an eligible NFT in a protocol vault, choose principal and term, and receive liquidity against a risk-adjusted portion of the collection floor. Repayment releases the same NFT. Lenders provide capital to collection-specific pools and earn interest generated by active loans.
DESIGN PRINCIPLEThe borrower should understand the liquidation boundary before signing anything.
One collection's volatility cannot consume another market's liquidity.
LTV, threshold, floor stress, and maturity stay visible throughout the loan.
Vault logic controls collateral; no operator wallet holds borrower NFTs.
A floor is a signal, not a promise.
The risk engine discounts raw marketplace price into conservative borrow power.
Each market model combines current floor, executable collection offers, recent sales velocity, 24-hour volume, holder and listing concentration, supply, floor volatility, and pool utilization. Thin markets receive lower LTV limits and higher borrow rates.
Launch collection snapshots
Snapshots observed 27 Aug 2026. Marketplace prices change continuously and are never guaranteed execution prices.Every term maps to a risk.
Principal, duration, interest, and liquidation threshold are fixed in the quote before collateral moves.
Capped by collection maximum LTV and available pool liquidity.
Longer terms carry more floor and liquidity uncertainty.
Determined by utilization, collection tier, and term duration.
Full repayment releases the collateral NFT to the original borrower.
- QuoteSelect market, NFT, amount, and term.
- VerifyReview health factor and liquidation floor.
- LockApprove NFT transfer to the market vault.
- BorrowReceive funds in the connected wallet.
- RepayReturn principal and interest to reclaim collateral.
Health is the distance to liquidation.
A health factor above 1.00 indicates that collateral value remains above the liquidation boundary.
Because NFT markets can gap rather than move continuously, Borrowty also shows floor-drawdown scenarios. A healthy current factor does not eliminate liquidation risk. Borrowers should maintain a material buffer and monitor maturity.
Wide floor and interest buffer.
Repay or add collateral if conditions weaken.
Very close to liquidation eligibility.
Keeper auction can begin.
Deterministic, visible, final.
Liquidations protect lenders when debt is no longer sufficiently covered.
A vault becomes eligible when its health factor falls below 1.00 or when a fixed-term loan reaches maturity unpaid. Eligible collateral enters a time-bounded auction with an initial price derived from the latest validated floor and collection-specific discount curve.
Health < 1.00 or maturity passes.
Price descends on a public curve.
Debt is repaid to the pool.
Remaining proceeds return to borrower.
Mainnet code is live. Markets remain closed.
The contracts are deployed on Robinhood Chain and intentionally paused until the remaining launch gates are complete.