💡Cephei features

Cephei offers users the best way of crypto borrowing

We introduced huge amount of unique features not only for TON, but even for the whole web3 space, among them:

One-click collateral yield strategies

Besides APY from LST tokens (stTON, tsTON) our users can earn additional yield from our custom strategies for collateral and get 5-10% APY, that covers any debt fees

User-set borrowing fees

Cephei implements unique feature - user-set borrowing fees. When opening a loan, the user can choose how much One Time Fee (OTF) and Interest Rate (IR) he will pay. If user choose to pay more OTF - then there would be less IR. If user choose to pay more IR - then there would be less OTF. This mechanic is very convenient, because it makes more profitable both long and short term loans

Collateral and borrowing swap

Cephei offer its users an ability to change collateral between each other. For example you collateral consists only of TON and you want to rebalance 30% of it to USDT, then you mat just swap 30% of your collateral TON to USDT and thats it! You dont need to withdraw collateral, do swap, deposit it back and worry about your Health Factor, because Cephei makes it more convenient

Credit accounts

In Cephei you can easily create several independent credit accounts, each of them would have its own collateral and loan. You can take loan from one wallet and create different accounts for different situations!

Loan repayment in a different token

You can easily pay loans in different tokens. For example if you got a loan in $cUSD you can repay it with $USDT or $TON or any other token!

Fiat on-ramp/off-ramp

Cephei implements unique feature - $cUSD fiat on-ramp/off-ramp, so you can easily swap your cryto ($TON, $cUSD and etc) to fiat and use those money in everyday life!

Credit insurance

Afraid of being liquidated? Then credit insurance is for you! Creadit insurance swaps your collateral to $USDT when your account hit targeted HF and then swaps those $USDT back to you original collateral if its price starts to raise!

Synthetics

On Cephei you will be able to borrow different synthetics assets with the most favorable Interest Rate or One-time fee. For example you would be able to borrow synthetics assets for BTC, ETH, TON, EUR and etc

Portfolio tracker

Want to check all you tokens in one place? Then Cephei portfolio tracker is definetly for you! Track tokens, loans, LP positions and NFT's in one place