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HypurrFi Pooled Markets use Aave V3’s battle-tested, open source lending contracts to enable a familiar and simple lend and borrow product to earn, manage carry trades (aka looping), and take long or short positions with spot assets. Pooled Markets let users deposit multiple assets as combined collateral and borrow from a shared liquidity pool. Borrow power is calculated across your whole deposited portfolio rather than per-asset value.

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How to Supply

  1. Go to Pooled Markets and choose the asset you want to supply
  2. Click into the asset and select Supply
  3. Enter the amount you want to deposit
  4. Approve the token if this is your first time
  5. Confirm the transaction
Your supplied assets earn interest from borrowers automatically. You can also toggle whether your deposit counts as collateral for borrowing.

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How to Borrow

  1. Supply collateral first (see above)
  2. Make sure collateral is enabled for your supplied assets
  3. Select the asset you want to borrow
  4. Click Borrow and enter the amount — keep your Health Factor well above 1.0
  5. Review your updated Health Factor and confirm the transaction
Borrowed assets are sent to your wallet. Interest accrues on your debt continuously.

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How to Repay

  1. Go to the asset you borrowed and click Repay
  2. Enter the amount to repay (partial or full)
  3. Confirm the transaction
Repaying reduces your debt and improves your Health Factor. To fully close a position, repay all debt then withdraw your collateral.

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Assets

Assets are added according to a risk framework developed by Clearstar Labs, HypurrFi’s independent risk curator. See the HypurrFi Risk & Analytics Dashboard for live market data. Browse available assets at app.hypurr.fi/markets/pooled. Click into each asset to see deposit caps, collateralization ratios, LTV, interest rates, and more.

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Glossary

Supply/Deposit: Put tokens into the pooled reserve to lend and earn interest Borrow: Take assets from the pool against over-collateralized deposits and pay interest Collateral: Assets you’ve supplied that count toward borrow power LTV (Loan-to-Value): Max borrow as % of collateral value, different per asset Health Factor (HF): Safety score, below 1 = loss of collateral Liquidation Threshold & Penalty: The point where HF would fall to 1; crossing it lets liquidators repay your debt and seize collateral with a protocol-set penalty (e.g., ~8%) Supply/Borrow Caps: Hard limits on how much of an asset can be supplied or borrowed Oracle: The price feed used to assign value to assets

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Common Questions

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What is E-Mode?

Efficiency Mode (E-Mode) boosts LTV within a correlated asset category (e.g., HYPE-correlated or USD-correlated). When you enable a category, you can only borrow within that category, but you get higher LTV and tighter parameters for better capital efficiency.

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Where do prices come from?

HypurrFi uses on-chain oracles: Hyperliquid validator feeds, RedStone, and Pyth for assets.

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How is my Health Factor determined?

Health factor = (collateral value x liquidation threshold)/(borrowed value). So, if you have multiple assets as collateral and/or multiple assets borrowed, use a linear combination. For example:
  • Collateral 1: HYPE
    • a) 500 HYPE
    • b) Price: $35
    • c) Liquidation threshold: 60%
  • Collateral 2: ETH
    • a) 5 ETH
    • b) Price: $2800
    • c) Liquidation threshold: 40%
  • Borrowed asset 1: 1000 USDXL
  • Borrowed asset 2: 100 HYPE
Health factor = [(500 x 35 x 0.6) + (5 x 2800 x 0.4)]/[1000 + (100 x 35)] = 3.58

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How are interest rates calculated?

HypurrFi does not set interest rates, they are determined by utilization with a “kink” model. Below a certain price, the kink, rates climb slowly; above kink, rates climb faster. This keeps liquidity available by encouraging more repayment at higher pool utilization.

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Can you show my liquidiation price?

It’s not an easy task to calculate a specific liquidation price with multi-asset collateral and borrow. However, users may wish to use AI tools such as Grok to calculate potential liquidation matrices themselves. This would be a good hackathon project.

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What are the paw prints next to the assets?

Those represent a multiplier for our points program, if an asset has a 1x multiplier you will receive 1x points for utilizing that asset within our platform, if it has a 3x, you will receive 3x the points, etc.