Hifi Finance

Think of your crypto loans like flight tickets: pick a date, lock a price, and go. With Hifi Finance, a borrower workflow is straightforward: connect your wallet, choose the collateral you want to pledge, and select a market by its end date. The price of that market tells you the implied borrowing cost. Enter the amount you need, confirm the transaction, and you have funds with a known cost through the chosen date. Track your collateral ratio in the portfolio view and set alerts through your wallet or automation tools you use. If you want out early, repurchase your note in the market to close the position. Otherwise, repay before the deadline or let it reach the end date and settle by paying the outstanding amount to clear your debt. Keep a buffer; if your collateral drops, liquidators can step in.

Savers and treasuries can earn predictable returns by buying maturity claims instead of chasing floating yields. Pick a date that fits your cash needs, review the price, and purchase the claim; you pay less today and redeem the full amount at the end date, capturing the spread as your return. Build a ladder across several dates to smooth inflows. If priorities change, sell the claim back on the market at the current price for an early exit. For larger books, place trades periodically to adjust duration as markets move, and reconcile proceeds at each maturity to refresh liquidity. more