# oak.credit

> Borrow dollars against tokenized stocks and get cashback. A neobank on Robinhood Chain (chain id 4663, Arbitrum Orbit L2). Fixed-term peer-to-peer loans, no oracle, no liquidations: a lender escrows USDG at a price and term they set, a borrower locks a Robinhood stock token and takes USDG, repays by the due date or the lender claims the stock. Live on mainnet.

## Contracts (Robinhood Chain)
- OakLoans: 0xe4FFED90e5EABFB12B068Da673607514F9C6f469 (https://robinhoodchain.blockscout.com/address/0xe4FFED90e5EABFB12B068Da673607514F9C6f469) deployed at block 61801347
- USDG stablecoin (Paxos Global Dollar, 6 decimals): 0x5fc5360D0400a0Fd4f2af552ADD042D716F1d168
- Collateral: 194 Robinhood-issued stock tokens (18 decimals), e.g. NVDA 0xd0601CE157Db5bdC3162BbaC2a2C8aF5320D9EEC, SPCX 0x4a0E65A3EcceC6dBe60AE065F2e7bb85Fae35eEa, AAPL 0xaF3D76f1834A1d425780943C99Ea8A608f8a93f9, TSLA 0x322F0929c4625eD5bAd873c95208D54E1c003b2d, GOOGL 0x2e0847E8910a9732eB3fb1bb4b70a580ADAD4FE3, SPY 0x117cc2133c37B721F49dE2A7a74833232B3B4C0C, MSFT 0xe93237C50D904957Cf27E7B1133b510C669c2e74, AMZN 0x12f190a9F9d7D37a250758b26824B97CE941bF54
- Fee: 10% of interest on repayment to treasury 0x5fF5C224dd3040eDA15A84064A1913Df87718deA. No fee on principal or claims. Not upgradeable. Unaudited.
- RPC: https://rpc.mainnet.chain.robinhood.com/rpc

## Pages
- Landing: https://oak-credit.vercel.app/
- App: https://oak-credit.vercel.app/app (borrow, earn, offerbook, pay, stash)
- Simulated demo, no wallet needed: https://oak-credit.vercel.app/dev
- Docs (how every function works, worked example, risks, API): https://oak-credit.vercel.app/docs
- Code (contract source verbatim, ABI): https://oak-credit.vercel.app/code
- Tech (live stats, every address, allowlist with prices): https://oak-credit.vercel.app/tech
- Terms: https://oak-credit.vercel.app/terms · Privacy: https://oak-credit.vercel.app/privacy
- Full machine-readable version with source and API responses: https://oak-credit.vercel.app/llms-full.txt

## Read API (public, JSON, no key)
- GET /api/oak/offers  (open offers, cheapest APR first; ?ticker=TSLA)
- GET /api/oak/loans?user=0x…
- GET /api/oak/activity?user=0x…
- GET /api/oak/prices  (USD per token from DexScreener, display only)
- GET /api/oak/stats

## Contract functions
createOffer(collateral, amount, minTake, term, aprBps, collateralPerUnit, expiry) · cancelOffer(offerId) · take(offerId, principal) · repay(loanId) · claim(loanId) · quoteCollateral(offerId, principal) · quoteInterest(offerId, principal) · getOffers(from, count) · getLoans(from, count) · offersOf(address) · loansOf(address)

## Contact
X: https://x.com/oakcredit · Telegram: https://t.me/oak_credit