When the market crashes,
an AI fights
to save your loan.
Tessera lets you borrow cash against tokenized stocks — and an autonomous agent watches the position around the clock (re-checking about every 10 seconds), and can repay from USDC you pre-approve to head off a liquidation beforeit happens. You hold the keys; it can only ever reduce your own debt. Protection isn't a guarantee — it needs pre-approved USDC, and a severe gap can still liquidate.
Put idle USDC to work,
or unlock cash from your stocks.
Lend USDC
Deposit into a single pool and earn variable yield from borrowers' interest. Withdraw whenever the pool has liquidity.
Borrow against collateral
Pledge tokenized equities as collateral and borrow USDC against them — keep your upside, get liquidity, and let the agent guard your health factor.
Your health factor is the whole game.
Borrow too much against your collateral and your health factor falls. Below 1.00, your position can be liquidated. Drag the sliders to feel exactly how it moves — this is the same math the contract runs.
Using 39.2% LTV of 40% allowed on TSLA.
If tTSLA gaps 15% down before markets reopen, your health factor becomes 1.19. This is why LTVs stay conservative.
An agent that watches,
warns, and repays for you.
When your health factor drifts toward danger, the agent sends a plain-English alert. If you've turned on Active Protection, it repays from your pre-approved USDC to pull you back to safety — automatically. Here's how it works:
In a reproducible backtest of 9modeled overnight, weekend, and earnings gaps, Tessera's protection saved 3 of the 4 positions that an unprotected lender would have lost to liquidation. See the numbers →
An illustrative example of how Active Protection responds — see the real on-chain record on Transparency.
It watches, around the clock
The agent reads your health factor on a constant loop (about every 10 seconds) — through nights, weekends, and market closures, when stocks can gap.
It explains in plain English
Alerts arrive on Telegram, Discord, or email — written to be understood, never to alarm. The same copy lands in your activity feed.
It repays only what you allow
Auto-repay is opt-in, capped per transaction and per day, and pulls only from the USDC allowance you signed. Nothing more.
Three blue-chips. Conservative by design.
Every asset has its own loan-to-value and liquidation threshold, set to survive the gaps that stocks take overnight and on Mondays. Prices and risk limits below are read live from the on-chain oracle and vault.
Tokens trade 24/7.
The stock behind them doesn't.
Tokenized stocks settle on-chain at all hours, but the underlying share price only updates when the market is open. Over a weekend or on bad news, a stock can gap— open far below Friday's close. That jump is the real risk, and it's why Tessera's loan-to-value limits leave room to absorb it.
Credibility over incentives.
No token, ever
No airdrops, no points, no governance coin, no fee tiers. There is nothing to farm here — only yield and credit. We will never imply otherwise.
No custody
Tessera never holds your funds. The smart contract does. The agent acts only through permissioned entrypoints and the approvals you sign.
Radical transparency
Every liquidation, every agent action, every parameter change is visible in-app — with the multisig transaction and the rationale behind it.
Built on Arbitrum, end to end.
Not a Solidity app with an Arbitrum logo — the core is a Stylus contract, and the full safety stack runs on an Orbit chain that a standard L2 can't fit.
Stylus vault (Rust → WASM)
The vault is written in Rust and compiled to WASM with Arbitrum Stylus — memory-safe by default, with the interest and liquidation math property-tested in the very language that runs on-chain.
Live on Robinhood Chain (Orbit)
The full backstop + dual-oracle vault is 25 KB — over a standard L2's 24 KB code ceiling — so the complete safety stack is deployed on Robinhood Chain, an Arbitrum Orbit L2. The permissionless backstop is built and tested; it stays disabled on testnet (agent-only) and switches on at the audited mainnet build.
Chain-agnostic by design
The same agent and UI run across Orbit chains — Tessera is live today on both Arbitrum Sepolia and Robinhood Chain, and the vault redeploys to any Orbit chain unchanged.
Lend, borrow, and sleep
through the weekend.
Connect a wallet to see live rates. Non-custodial and watched around the clock.
Not ready to connect? See the case for Tessera and join the early-access list.