Plant
Deposit tokenized assets as collateral. They stay yours and keep moving with the market.
Launching on Solana · Tokenized stocks & ETFs
Harvest the fruit.
Keep the tree.
Orchard is coming to Solana. It lends you dollars against the tokenized stocks and ETFs you already own. Your portfolio stays invested and keeps growing, and you get cash to use today.
- No credit checks
- Repay whenever you like
- You keep custody
Collateral locked—
Lent to borrowers—
Borrow rate8.00%
Available to borrow—
Launching on Solana. Live pool figures stream from the program once it is deployed.
How it grows
Three steps, all in your wallet
Harvest
Request USDC up to a safe share of their value: 40% to 65% depending on the asset.
Replant
Repay any time, with no schedule and no penalty. Your collateral unlocks as soon as the loan is cleared.
Loan calculator
How much could you harvest?
You'd receive
$7,000.00
Maximum for AAPL: $10,000.00
2.00Thriving
1.0 liquidation3.0+
Health factor2.00
Price can fall by50% before liquidation
Interest per year (est.)$560.00
What you can plant
Accepted collateral
AAStock
AAPL
Apple
Borrow up to50%
Price$334.13
NVStock
NVDA
NVIDIA
Borrow up to45%
Price$229.23
TSStock
TSLA
Tesla
Borrow up to40%
Price$355.88
SPETF
SPY
S&P 500 ETF
Borrow up to65%
Price$766.16
For holders
Borrow without selling
Cover a bill, seize an opportunity or rebalance, all without closing positions you believe in.
Start borrowing →For liquidators
Keep the orchard healthy
Anyone can close an unhealthy loan and take the collateral at a 5–10% discount. Permissionless, and paid instantly.
How liquidation works →Built to be boring
Safety, in plain words
Overcollateralized
Every loan is backed by more than it's worth. At most 65¢ is lent for every $1 of collateral.
Self-custody
Funds sit in a smart contract. No company can freeze or move them.
Price guards
Borrowing pauses automatically if price feeds go stale or jump suspiciously.
Exits never pause
Even in an emergency pause, you can always repay and withdraw.
Honest note: Orchard has not opened yet. The protocol is being finished and reviewed ahead of its Solana launch, so nothing here is live and nothing can be lost. When it does open, caps start deliberately small: $500 per wallet and $3,000 in total, until the programs have some mileage.
Questions
Asked around the orchard
What is Orchard, in one sentence?
A lending pool where you lock tokenized stocks, ETFs or gold and borrow dollar stablecoins against them, so you get cash without selling. It is being built on Solana.
Why borrow instead of selling?
Selling ends your exposure and can trigger taxes. Borrowing keeps you invested: if your assets rise while they're locked, the gain is still yours when you repay.
What's the health factor?
It compares how much your collateral is worth, adjusted for risk, to what you owe. Above 1 you're safe. If it falls below 1, usually because prices dropped, part of your collateral can be sold to repay the loan. Keep it above 1.5 for a comfortable buffer.
What happens during a liquidation?
Anyone can repay up to half of an unhealthy loan (all of it if the health factor is below 0.95) and receives that value in your collateral plus a small bonus of 5–10%. You keep the borrowed stablecoins, but you lose the collateral that was seized.
Who holds my assets?
A smart contract, not a company. Only your wallet can withdraw your collateral or savings, and only within the rules written in the contract.
How are interest rates set?
Automatically, by how much of the pool is borrowed. When lots of cash is free, rates are low. As the pool fills up, rates rise to attract savers and encourage repayment. Savers earn what borrowers pay, minus a 10% reserve.
Is this real money?
Not yet. Orchard has not launched. The lending program and the $ORCHARD token are deployed on Solana at launch, and until then there is nothing live and nothing to deposit. This page is where the addresses appear first.
The $ORCHARD token
$ORCHARD launches on Solana together with the lending program. It comes with no public sale and no presale: the mint is published here first, and the only way to hold it is to buy it on-chain once it is live.
Contract address · Solana
The mint is published on this page on launch day. Copy unlocks then.
Verify it here, only here
This page publishes the CA first and our X account announces it the same day. Any other coin using the Orchard name, ticker or artwork is not us.
Nothing to claim
Balances are read from the chain on launch day. There is no claim form, nothing to sign and nothing to send. If a site asks you to connect a wallet to “receive” $ORCHARD, it is a scam.
Holders borrow cheaper
Holding $ORCHARD is planned to earn a discount on the fee and a larger borrow limit — the same wallet, no extra cost.
What $ORCHARD is for
$ORCHARD is not a receipt for your deposit and not a points programme. It is designed to sit inside the protocol it belongs to, so the people holding it are the people with a reason to keep the orchard healthy.
Fees go to the people backing the protocol
Every loan pays a stability fee. Staking $ORCHARD is designed to earn a share of that fee — income the protocol actually collects from borrowers, not tokens printed to pay you.
Stakers backstop liquidations
Locked $ORCHARD is meant to absorb the shortfall when a liquidation cannot fully cover a loan, and to earn the liquidation premium when it can.
Holders borrow cheaper
Paying the fee in $ORCHARD, or holding above a threshold, is planned to earn a discount and a larger borrow limit per wallet — same wallet, no extra cost, just a better rate.
A say in risk, never in custody
$ORCHARD is intended to govern the parts worth arguing about: which tokenized equities are accepted, their LTV, the fee, and which oracle feed an asset reads. It never governs user funds — no vote, and no admin key, can move your collateral.
Considered as collateral, conservatively
$ORCHARD is being considered as eligible collateral at a deliberately low LTV, so its own volatility cannot cascade into the pool.
Still being finalised. The mechanics above are the design $ORCHARD is being built to. Parameters — fee share, staking caps, LTV and discounts — are published with the audit before launch day, and nothing is live until then. Holding $ORCHARD is not a deposit and pays nothing on its own. It is not a promise of return.
Orchard will never DM you first, never send a contract address
over a DM, and never ask for a seed phrase. No one on the team will offer to buy or sell $ORCHARD for you.
Your portfolio already bears fruit.
Orchard lands on Solana soon. Follow along, and be first in line when the orchard opens.