liquidium

DeFi lending rates vary by asset type, liquidity, and usage. The highest supply annualized yield or the lowest borrowing rate doesn’t necessarily mean a particular market is the best choice.
As of August 10, 2026, Liquidium data shows that the annualized supply yields for USDC and USDT are 2.528% and 2.824%, respectively, while their borrowing rates are 4.182% and 4.421%, respectively. The borrowing rates for BTC and ETH are currently 0.103% and 0.101%, respectively.
Before borrowing or lending, review the interest rate, liquidity, collateral requirements, loan-to-value ratio, liquidation risk, and repayment mechanism.

Bitcoin-native finance allows Bitcoin holders to access decentralized finance (DeFi) without first relying on centralized bridges.
ICP’s Chain Fusion enables containers to directly interact with Bitcoin, providing the infrastructure for applications such as Liquidium to support native Bitcoin lending—making all of this possible.
Liquidium allows users to borrow against Bitcoin as collateral without selling their BTC, but borrowers should still review loan terms, LTV, liquidation risks, and repayment schedules before opening a position.
Bitcoin-native finance has already been implemented on ICP.

On April 13, we reported that Liquidium’s active borrowing volume reached $100,000.
At the time, this meant that using Bitcoin as collateral on Liquidium, users actively borrowed $100,000 worth of USDT, bringing the total value locked by the entire protocol to nearly $1 million.
Today, July 27, Liquidium’s active borrowing volume has surpassed $1 million.
This means it grew by about 10x within 105 days. This number is important because it shows what changed between these two points in time.
Users continuously borrow and lenders continuously provide funds. With the launch of new collateral and a stablecoin market, the application becomes easier to use. The SDK has evolved from the conceptual stage into a real construction infrastructure. OISY wallet users can now directly access Liquidium-supported lending services from within the wallet.

OISY wallet users can now access the Liquidium lending and borrowing market directly from inside the wallet.
Users can provide supported collateral through the same interface, borrow stablecoins, receive borrowed funds at their OISY address, and monitor their positions.
During the initial phase of launch, OISY does not yet offer ICP lending and borrowing functionality, but plans to roll it out soon. Users should check Liquidium’s live market to confirm which asset types are currently available.
How to use Liquidium to get a loan in your OISY wallet
The OISY wallet now offers users a way to access the Liquidium lending and borrowing market directly from within the wallet.

OISY users can now borrow, supply, and repay funds directly through Liquidium from their OISY wallet;
This integration demonstrates how the Liquidium SDK brings native cross-chain lending into wallets, applications, and other ICP ecosystem products.
Liquidium is now integrated into the OISY wallet
OISY users can now access Liquidium directly from their wallet.
This means users can open OISY within the OISY interface, view lending opportunities supported by Liquidium, and use supported assets in the native cross-chain lending flow without first launching a separate application.

OISY 2.5 is now live, bringing three new features:
1) OISY Earn now supports Liquidium
Borrow directly through your OISY wallet—truly DeFi lending, without centralized bridging.
2) OISY Notes
Store your private notes securely and reliably, just like protecting your digital assets. Your notes are encrypted, and only you can read them (thanks to vetKeys). Share notes via links: each link can be viewed only once and then expires.
3) OISY Trade Limit Orders
Buy and sell your digital assets at prices you set. Choose your target price, and your order will be filled automatically when the market reaches it. Currently supports ICP and ckUSDT, with more trading pairs coming soon.