How to supply

This guide covers supplying assets in the connected-wallet advanced flow at app.liquidium.fi/advanced. If you only want to borrow without connecting a wallet first, start with Simple Loans.

You have two flexible ways to supply assets:

Supply with a linked wallet: Directly supply from your connected Bitcoin or Ethereum wallet
Supply via deposit address: Send BTC, Ethereum assets, or ICP to your unique deposit address

Pending supplies

Confirmation requirements vary by blockchain. After you initiate a supply, funds stay pending until the relevant chain or ledger has enough finality. The deposit then enters a brief finalization phase (approximately three minutes), after which it becomes active, earns yield, and can be used as collateral.

Bitcoin: Requires 4 confirmations, ~40 minutes total
Ethereum: Requires 64 confirmations, ~13 minutes total
ICP: Uses ICP ledger finality; the protocol detects the funded ICP deposit subaccount and then finalizes it. For chain-key assets such as ckBTC or ckETH, the source-chain transfer and Liquidium's finalization step are separate. A transfer can be final on the source chain while the app still shows the supply as pending or finalizing until Liquidium detects and attributes it.

Learn more about blockchain confirmation times here.

Try it in Demo Mode

You can use Demo Mode to explore this flow without connecting a wallet or using real funds. Demo Mode gives you fake funds inside the app so you can try supplying, borrowing, and repaying before using a real account.

When you are ready to use real funds, turn Demo Mode off and connect or use your actual account details.

How supplying works

How is yield earned

Lenders can supply their assets to the pool to earn yield. These assets are pooled and lent to borrowers, who repay loans with interest. The interest earned is accrued to lenders and reflected in their account balances.

Borrowers must use over-collateralized loans. This helps keep the lending pool solvent, as borrower collateral can be automatically liquidated to cover bad debt.

About your interest

Interest is compounded and denominated in APY (Annual Percentage Yield)
The APY is dynamic and fluctuates based on market conditions
There are no fixed terms - you can request a withdrawal of any amount at any time, fully non-custodial

Learn more about withdrawals here.

Supply assets as collateral for loans

Loans need to be over-collateralized. Any supplied asset can be used as collateral for a loan. Learn more about borrowing here.

Supply