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Borrow

How Does Borrowing Work?​

WeissFi enables users to borrow DORI (or yield-bearing versions like sDORI and gDORI) against their collateral with user-defined interest rates. Unlike traditional DeFi lending platforms, WeissFi gives borrowers full control over the interest they pay.

🔷
SUI / haSUI / xBTC
Collateral
→
🏦
WeissFi Vault
Your Position
→
💰
DORI / sDORI / gDORI
You Receive

Key Features​

💸
0% Borrowing Fee
Only pay your chosen interest
🎯
Choose Your Output
DORI, sDORI, or gDORI
⚡
Set Your Rate
0.5% to 25% annual
🛡️
No Liquidation Penalty
Keep your collateral surplus

How to Borrow​

Step 1: Select Your Collateral​

Choose the asset you want to deposit as collateral:

  • SUI – Native Sui token
  • haSUI – Liquid staking SUI (Haedal)
  • xBTC – Wrapped Bitcoin

Your collateral determines how much you can borrow (up to 83% LTV).

Step 2: Enter Collateral Amount​

Enter how much collateral you want to deposit. The interface shows:

  • Your available balance
  • USD value of your deposit

Step 3: Choose Your Output Token​

Select what you want to receive:

TokenDescriptionBenefit
DORIUSD StablecoinSimple, 1:1 value
sDORISavings DORIEarn 85% of protocol interest
gDORIGuard DORIEarn 10% liquidation bonus + 15% of protocol interest

Pro tip: Borrowing as sDORI or gDORI means your loan can earn yield, potentially offsetting your interest costs.

Step 4: Enter Loan Amount​

Enter how much you want to borrow. Monitor:

  • LTV – Your Loan-to-Value ratio (stay below 83%)
  • Liquidation Price – The collateral price that triggers liquidation

Minimum loan: 50 DORI

Step 5: Set Your Interest Rate​

Choose your annual interest rate using the presets or custom input:

StrategyRate RangeTrade-off
Aggressive0.5% – 2%Lower cost, higher redemption risk
Balanced3% – 8%Recommended for most users
Conservative10% – 25%Higher cost, safer from redemption

Step 6: Review & Confirm​

Check your loan summary:

  • Collateral deposited
  • Loan amount (in DORI)
  • Output token received (DORI, sDORI, or gDORI)
  • Interest rate
  • LTV and liquidation price
  • Total Debt = Loan Value + (15-Day Average Protocol Interest)

Click Confirm to open your vault and receive your tokens.

Borrow as sDORI or gDORI​

A unique feature of WeissFi: borrow directly into yield-bearing tokens.

✨
Borrow as sDORI
Savings DORI
1. Mint DORI against collateral
2. Auto-deposit into Savings Pool
3. Receive sDORI in wallet
Net APY
sDORI APY − Interest Rate
🛡️
Borrow as gDORI
Guard DORI
1. Mint DORI against collateral
2. Auto-deposit into Guard Savings
3. Receive gDORI in wallet
Net APY
gDORI APY − Interest Rate

Example: If sDORI APY is 8% and your interest rate is 5%, your net yield is +3%.

Understanding Risk​

LTV (Loan-to-Value)​

The ratio between your borrowed amount and collateral value.

Safe (0-60%)
Caution
Danger
Liquidation
0%60%75%83.33%100%

Liquidation​

If your LTV exceeds 83.33% (due to collateral price drop), your vault can be liquidated:

  • Your collateral is used to repay the debt
  • You keep any surplus collateral
  • No additional penalty is applied to you

Redemption Risk​

If DORI loses its peg, holders can redeem DORI for collateral from vaults with the lowest interest rates first.

  • Lower interest rate = higher redemption risk
  • Higher interest rate = safer from redemption
  • Redemption reduces your debt proportionally (no loss in USD value)

Interest Rate Strategy​

🏃Low Rates (0.5% – 2%)
✓ Collateral has appreciated
✓ Profit even if redeemed
✓ Minimize borrowing costs

⚠️ Higher redemption risk

🛡️Higher Rates (5%+)
✓ Collateral has depreciated
✓ Protect from redemption
✓ Stable in volatile markets

✅ Lower redemption risk

Summary​

  • 0% borrowing fee – Only pay your chosen interest rate
  • Choose your output – DORI, sDORI, or gDORI
  • Set your own rate – 0.5% to 25% annual
  • No liquidation penalty – Keep your surplus
  • Instant & permissionless – Borrow immediately on-chain

Start borrowing today on weiss.finance