# Stormbit Finance

> Pure Lending

Stormbit is a decentralized lending protocol on Arbitrum where loans are priced at origination using ERC-4626 vaults and put-option hedging, eliminating liquidations during the loan term.

Stormbit is a decentralized borrowing and lending protocol on Arbitrum that checks LTV only at origination, preventing liquidations during the loan term. Lenders deposit USDC into ERC-4626 vaults and earn yield from volatility premiums embedded in borrower rates. Borrowers post BTC or ETH as collateral and receive fixed-rate terms priced upfront via the Underwriting Surface (LTV × Duration × Volatility). Undeployed USDC earns additional base yield through an Aave V3 integration. The protocol is audited by Pashov and Cantina.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2024-04-01
- Profile: https://thegrid.id/profiles/stormbit_finance

## Products

- [Stormbit Lending Platform](https://thegrid.id/profiles/stormbit_finance): Stormbit is a decentralized lending protocol on Arbitrum where borrowers post BTC or ETH as collateral and receive fixed-rate loans priced at origination. LTV is only checked at origination  borrowers cannot be liquidated during the loan term. Lenders supply USDC into ERC-4626 vaults and earn yield from lending spreads plus hedging premiums. Idle capital earns additional yield via an Aave V3 hook. (Decentralised Borrowing & Lending, Live, Main Product)

## Links

- [Main](https://stormbit.finance)
- [Documentation](https://docs.stormbit.finance)
- [Blog](https://medium.com/@stormbit)
- [Media Kit/branding](https://drive.google.com/uc?export=download&id=1M_NyENm1wDM7vfI7wSbdYHpUjf9wYkyi)
- [Twitter / X](https://x.com/StormbitX)
- [GitHub](https://github.com/stormbit-finance)
- [LinkedIn](https://www.linkedin.com/company/stormbit)

## Legal

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- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
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## 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