# Silo Finance

> Your Non-custodial Crypto Bank on Ethereum and EVM

Silo Finance helps users borrow and lend digital assets through risk-isolated money markets, where each token has its own isolated market to prevent cross-contamination of risk.

Silo Finance helps users borrow and lend digital assets by creating isolated lending markets for each token asset. Users can deposit tokens to earn interest or use them as collateral to borrow other assets. Each market is isolated, meaning the risk of one token does not affect others in the protocol. The protocol operates across Ethereum, Sonic, Arbitrum, and Avalanche with permissionless market creation.

- Type: Company
- Sector: Finance
- Status: Active
- Profile: https://thegrid.id/profiles/silo_finance

## Products

- [Silo](https://thegrid.id/profiles/silo_finance): Silo creates risk-isolated lending markets through smart contracts, enabling peer-to-pool overcollateralized borrowing. Each market supports two assets: a unique token and a bridge asset. The system isolates risk to individual markets while concentrating liquidity in single pools. (Decentralised Borrowing & Lending, Live, Main Product)

## Assets

- [Silo Governance Token (SILO)](https://thegrid.id/profiles/silo_finance): SILO is the governance token of Silo Finance. It is used to vote on protocol decisions and delegate voting rights, as well as to deploy new lending markets and adjust market parameters. The protocol allocates half of its revenue to buy back SILO tokens from the open market, which are then distributed to the xSILO staking contract, allowing holders to earn protocol revenue by staking their tokens. (Governance)
- [xSILO (xSILO)](https://thegrid.id/profiles/silo_finance): xSILO is a liquid staking token representing staked SILO on Silo Finance. It is used for governance participation and to receive protocol revenue distributions, with rewards from protocol revenue and redemption fees auto-compounded. Implemented as an ERC-4626 contract, xSILO accrues yield based on an Index Ratio that increases over time, allowing holders to redeem more SILO tokens than they originally staked. (Liquid Staking Tokens (LSTs))

## Links

- [Main](https://silo.finance)
- [Documentation](https://docs.silo.finance)
- [Governance](https://gov.silo.finance)
- [Terms of Service](https://silo.finance/terms-of-use)
- [Twitter / X](https://x.com/SiloFinance)
- [Discord](https://discord.gg/silo-finance)
- [Telegram](https://t.me/SiloFinance)
- [GitHub](https://github.com/silo-finance)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP