No Price-Based Liquidations
Rain.fi's peer-to-peer model protects borrowers from volatile market swings. Your collateral stays safe — no forced selling due to price drops.
Liquidation risk
None
Rain.fi is Solana's most trusted lending protocol — borrow against SOL, USDC, USDT, NFTs and 400+ tokens with no price-based liquidations. Sub-second execution. Near-zero fees. Real yield.
Rain.fi · Solana · Peer-to-Peer
Everything you need in one unified lending protocol — borrow, earn, leverage, and stake with the speed and efficiency of Solana.
Rain.fi's peer-to-peer model protects borrowers from volatile market swings. Your collateral stays safe — no forced selling due to price drops.
Leveraging Solana's parallel processing and 400ms block times, Rain.fi delivers the fastest lending and borrowing experience available anywhere.
Provide liquidity and earn competitive yields. Rain.fi pools offer some of the highest APYs on Solana with efficient capital allocation.
Amplify your positions on SOL/USDC and other pairs. Rain.fi Leverage combines borrowing and position management in a single, efficient transaction.
Borrow against your NFT collections without selling them. Rain.fi supports hundreds of Solana NFT collections as loan collateral.
Transform your staked assets into liquid tokens. Keep earning staking rewards while maintaining full liquidity and composability across protocols.
Earn yield by providing liquidity to Rain.fi's lending pools. Competitive rates backed by real volume.
Rain.fi makes lending and borrowing simple. Connect, choose your terms, and go.
Link your Phantom, Solflare, Backpack, or Ledger wallet to Rain.fi in one click. No sign-up required.
Borrow against SOL, USDC, NFTs, or 400+ tokens — or earn yield by providing liquidity to lending pools.
Confirm your transaction and start earning. Sub-second execution, transparent rates, no hidden fees.
Rain.fi is built with institutional-grade security. Your funds are protected by audited protocols and transparent operations.
You maintain full control of your assets at all times. Rain.fi never holds user funds — all operations execute through audited programs.
Rain.fi has been audited by Halborn Security and independent firms. All code is open-source and regularly reviewed for vulnerabilities.
Every transaction, fee, and rate is publicly verifiable. Rain.fi operates with full transparency — no hidden charges, no surprises.
Over $115 million in total value locked with zero security incidents since launch. Battle-tested through all market conditions.
About Rain.fi, lending on Solana, and how to get started.
Rain.fi is a leading lending protocol on Solana that enables users to borrow against tokens such as SOL, USDC, USDT, and NFTs with no price-based liquidations. It offers peer-to-peer lending, earning pools, leverage trading, and liquid staking — all with sub-second execution and near-zero fees. Available at rainfi-borrow.com and app.rain.fi.
Connect your wallet (Phantom, Solflare, Backpack, or Ledger), choose the token you want to use as collateral (SOL, USDC, JUP, BONK, or NFTs), select the token you wish to borrow, and confirm. Rain.fi features no price-based liquidations, so your collateral is not automatically sold due to market fluctuations.
Rain.fi supports over 400 tokens including SOL, USDC, USDT, wBTC, wETH, JUP, BONK, PYTH, RAY, ORCA, mSOL, and many more. Additionally, Rain.fi supports hundreds of NFT collections as collateral for borrowing. New tokens are available as soon as pools are created.
Rain.fi charges minimal protocol fees starting from 0.04%. Solana network fees are approximately $0.00025 per transaction — making the total cost of a typical operation a fraction of a cent. This is thousands of times cheaper than comparable services on other networks.
Yes. Rain.fi has been audited by Halborn Security. The protocol has secured over $115M in total value with zero security incidents. All code is open-source and publicly verifiable. Rain.fi operates with a non-custodial architecture — your funds are always under your control.
Rain.fi supports all major Solana-compatible wallets: Phantom, Solflare, Backpack, Glow, Coin98, Trust Wallet, and Ledger hardware wallets. Mobile users can connect via any compatible mobile wallet browser. No KYC or sign-up is required.
Unlike traditional lending protocols that liquidate your collateral when its value drops, Rain.fi uses a time-based peer-to-peer model. Loans have fixed durations, and your collateral is not subject to automatic price-based liquidation. This protects borrowers from volatile market swings and provides predictable loan terms.
Earn on Rain.fi by providing liquidity to lending pools (up to 24.8% APY on top pools), participating in liquid staking (converting staked assets into liquid tokens at 7.2% APY), or offering peer-to-peer loans. Rates vary by pool and asset, with transparent and competitive yields.
Rain.fi Leverage allows you to amplify your position on supported pairs like SOL/USDC. It combines borrowing and swapping in a single transaction for capital-efficient position management. Transparent rates, no hidden fees, and sub-second execution make leveraged positions accessible and efficient.
Yes. Rain.fi is fully responsive and works in any mobile browser. For the best experience, use Phantom or Solflare's built-in browser on iOS or Android. The interface adapts seamlessly to all screen sizes with the same features and speed as the desktop version.
$115M+ TVL. No liquidations. 0.04% fees. Rain.fi is the lending protocol Solana was built for.