Upshift Lend

Overview

Upshift Lend offers access to institutional-grade, on-chain lending opportunities with overcollateralized positions, providing full transparency and control over deployed assets. Unlike traditional DeFi lending protocols, which often fail to deliver attractive risk-adjusted yields, Upshift Lend focuses on sustainable, real yield generation without exposing users to unsustainable point farming schemes or excessive smart contract risk.

What sets Upshift apart is its unique approach to lending: yield is generated by lending to institutional borrowers who have undergone stringent KYC/KYB verification. This significantly reduces the risks of malicious actors and smart contract exploits, as only approved parties can borrow. Additionally, these institutional borrowers require capital efficiency against yield-bearing assets that are less commonly accepted as collateral. As a result, they offer premium borrowing rates, creating higher, sustainable yields for lenders.

Powered by August Digital

Upshift Lend is built on the robust web3 infrastructure of August Digital, leveraging on-chain loans through universal margin accounts. These accounts allow for highly customizable, segregated loans, where the lender controls key parameters such as the borrower’s address, blockchain, collateral type, loan-to-value (LTV) ratio, interest rate, and loan duration.

Additionally, lenders can whitelist specific smart contract interactions and designate whether the loan is delta-neutral or faces a market maker. This granular control ensures security and transparency, offering a powerful and flexible lending environment.

Benefits for Users

Access to Institutional-Grade Yield

Users of Upshift Lend gain access to secure, overcollateralized lending opportunities that are typically reserved for institutions. This provides more stable, real yield generation compared to many traditional DeFi protocols that rely on unsustainable yield farming.

Enhanced Security & Transparency

Upshift Lend operates on a non-custodial, fully transparent infrastructure built by August Digital. Users have complete visibility into how their funds are deployed, with borrowers undergoing rigorous KYC/KYB verification. This reduces the risk of malicious actors and protects user assets through robust smart contract enforcement.

Customizable Lending Parameters

Unlike many DeFi lending protocols that offer limited control over how capital is deployed, Upshift Lend gives users the ability to deposit into pools that follow strict whitelisting processes. Funds are only lent to pre-approved, KYC/KYB-verified borrowers, with controlled access to specific protocols and contracts, reducing potential risk.

Premium Yield Opportunities

Users benefit from higher yields compared to traditional DeFi markets, as Upshift Lend connects with borrowers seeking capital efficiency against less commonly accepted collateral. These borrowers are willing to offer premium interest rates in exchange for the flexibility provided by Upshift, creating more attractive returns for users.

Mitigated Risks of Exploits

By lending only to approved, KYC/KYB-verified borrowers and interacting with whitelisted protocols, Upshift Lend significantly mitigates the risks of price manipulation, smart contract exploits, and malicious actors—ensuring a safer lending environment compared to open DeFi markets.