LOAN Protocol

The future will be powered by the XPR Network.

More than two-thirds of the issued $LOAN supply is currently staked. 🔒 76.88B LOAN is deposited in staking, earning rewards and participating in protocol governance. ⛓️ app.metalx.com/staking/LOAN

USDC is currently one of the stronger stablecoin lending markets on Metal X. Use the XUSDC market to put stablecoins to work on-chain and earn from borrowing demand, with $LOAN rewards included in the current APY snapshot. Claim rewards directly and pay no gas fees while using Metal X on @XPRNetwork. Rates are variable. Powered by the @LOAN_Protocol

Variable-rate lending helped establish DeFi. Fixed rates could help take it further. Predictable borrowing costs are essential for treasury planning, structured credit, and broader institutional participation. That’s why we’re exploring how fixed-rate, fixed-term markets could work within LOAN Protocol. The goal: transparent on-chain lending with defined rates, defined maturities, overcollateralized positions, and settlement on @XPRNetwork. We’re evaluating the right market structure, liquidity model, and risk controls before moving forward. Would you use 30- or 90-day fixed-rate stablecoin lending and borrowing on LOAN Protocol?

USDT is back on top of today’s lending APY snapshot 📊 ADA and LTC round out the top three, with lending yields continuing to move as market demand changes. ⛓️ app.metalx.com/lending

DOGE is back in the top 3 lending markets by APY on Metal X. The XDOGE market is showing strong demand in today’s snapshot, with dogecoin:native lending interest and LOAN rewards included. Much DOGE. Much utility. Very rewards. Rates are variable. Powered by @LOAN_Protocol

No fees, say it with me. ⚛️ $XPR

DOGE is back in the top three by lending APY 📊 Today’s snapshot is led by ADA and LTC, with DOGE joining them among the highest-yield lending markets. Earn dynamic APY across supported assets on Metal X. ⛓️ app.metalx.com/lending

@malicious_moon @MetalXApp @XPRNetwork Please contact @metalhelpsme

@LOAN_Protocol @MetalXApp just claimed to separate sets of rewards from loan converted to usdc sent 67.37.dollars usdc to my coinbase sent another 810.67 usdc to my coinbase I got the 67 but the 810 has gone missing @XPRNetwork

Metal Dollar is available for lending on the @LOAN_Protocol Deposit your XMD to earn variable APY or use your XMD as collateral to borrow supported digital assets on @MetalXApp No gas fees, 90% LTV.

Everyone watches the big banks for signs of institutional adoption. The more interesting story is happening lower down the stack. Credit unions. Member-owned institutions whose members already hold and lend digital assets, just not through them - through offshore venues and protocols with no identity layer. That's changing. At @MetallicusTDBN we built LOAN Protocol for consumers and regulated institutions: on-chain lending where KYC is enforced. Every participant is verified before they can touch a market. Identity built into the rails. 75+ credit unions have committed to digital-asset pilots on our network. $30M+ locked (@DeFiLlama). Zero gas-fees for members, and the markets support the assets most venues can't: XRP, ADA, XLM, HBAR, DOGE and LTC alongside BTC, ETH and USDC. The institutional adoption thesis was never "banks buy BTC." It's regulated institutions running their own on-chain products. Lending is where it starts, because that's where their members already are. With them, or around them.

USDT is leading today’s lending markets, with ADA and LTC close behind 📊 Earn dynamic APY across 14 supported assets, from stablecoins to major crypto markets. Available on @MetalXApp app.metalx.com/lending

Most credit unions don't know this is possible yet, so plainly: A credit union can offer its members digital-asset lending today, in its own brand. Members lend and borrow against XRP, ADA, XLM, HBAR, DOGE and LTC, plus BTC, ETH and USDC. That asset list is the tell, because most lending venues structurally can't support it. The unlock is identity. KYC is enforced at the protocol level, not bolted on at the app, which is what makes this workable for a regulated institution in the first place. Live markets, $30M+ TVL on DeFiLlama, and 75+ credit unions committed to pilots on our network. Members are already doing this somewhere. With their credit union, or around it. That's the whole choice. DMs open.

Why were protocol fees introduced? LOAN Protocol has been funded by Metallicus since launch. This new revenue will support continued engineering, audits, security, compliance, new markets, and institutional onboarding. No new protocol fees were added to deposits, borrowing, or repayments. Existing borrow interest rates remain unchanged. The withdrawal fee is capped at $25 and can be reduced or eliminated by staking $LOAN. Read LOAN-001: gov.xprnetwork.org/communities/5/…

LOAN Protocol fees are live. Stake $LOAN to reduce withdrawal fees by up to 100%, with longer staking periods increasing your effective staking weight. Learn more: help.xprnetwork.org/hc/en-us/artic…

Markets never stand still, and neither does lending demand. Today's highest-yield lending markets feature USDT, ADA, and LTC. Available on @MetalXApp

DeFi doesn’t have to mean gas fees, slippage, MEV, and failed transactions. There’s a better way.

Your ETH can do more on Metal X with @LOAN_Protocol Lend ETH to earn from borrowing demand, borrow ETH using supported collateral, or use ETH as collateral to access liquidity. Claim rewards directly on-chain and pay no gas fees while using Metal X on @XPRNetwork.

XPR Network doesn’t bolt identity on after the fact. It has on-chain identity, native account permissions, and KYC-ready rails built for real financial applications. Built by @MetallicusTDBN