Ripe Protocol
One Loan. Every Asset. Maximum Power.
DeFi lending works great — if you're willing to manage five different vaults. But most people aren't. Five vaults for five assets isn't how people think about their wealth. Your tokenized stocks? Worthless as collateral. Your yield-bearing tokens? Just sitting there, unused.
Ripe simplifies everything. Your entire portfolio — crypto, RWAs, jpegs, everything — backs ONE loan. Finally, borrowing that understands what a portfolio actually is.
The Problem: DeFi Thinks Your Assets Live in Silos
Isolated Vaults (MakerDAO, Liquity) ETH in one vault. WBTC in another. Five assets? Five loans. Five liquidation risks. It's 2025 and we're still pretending portfolios don't exist.
Shared Risk Pools (Aave, Compound) Your ETH backs someone else's degen trade. Their bad debt? Your problem. Oh, and forget about using tokenized stocks or treasury bills.
"Innovation" That Isn't (Morpho, Euler) Slightly better rates. Same old isolation. Each market fragments liquidity further. The future looks exactly like the past.
The Ripe Solution: Unified Multi-Collateral Lending
Your Portfolio: Traditional: Ripe:
┌─────────────┐ ┌─────────────┐ ┌─────────────┐
│ 5 ETH │ ──────────> │ ETH Loan #1 │ │ │
│ 2 WBTC │ ──────────> │ WBTC Loan #2│ │ ONE LOAN │
│ 10K USDC │ ──────────> │ USDC Loan #3│ ───> │ GREEN │
│ RWA tokens │ ──────────> │ Can't use │ │ All Assets │
│ T-bills │ ──────────> │ Can't use │ │ Working │
└─────────────┘ └─────────────┘ └─────────────┘
5 positions to 1 unified
manage, limited position,
assets everything worksCore Protocol
USDC sits there. DAI does nothing. GREEN? It's working.
Mint it by borrowing against literally anything
Stays at $1 through five mechanisms that actually work
Burns on repayment — no infinite supply games
Stop juggling vaults. Stop wasting collateral. Just borrow.
Total portfolio power — Add up everything, borrow once
Smart rates — Emergency rates only when GREEN needs defending
Partial liquidations — Lose some, not all
From stablecoins to tokenized stocks, from blue-chip crypto to your favorite PFP — if it has value, it can back your loan.
Unified positions - All assets support one loan
Weighted terms - Each asset contributes its best LTV
Extensible vaults - Support for future asset types
Four layers of defense. Partial liquidations only. You keep most of your collateral.
Redemption buffer - GREEN holders delever you at $1 (no penalty)
Your assets first - Burns your sGREEN/stables before touching collateral
Stability pools - Instant liquidity at fixed 5-15% discounts
Dutch auctions - Time-based pricing for remaining collateral
Earning & Rewards
GREEN that grows while you sleep. No strategies. No management. Just yield.
All fees flow here — Borrowing fees, liquidation fees, everything
Zero lockup — Your money, your timeline
Still liquid — Use in stability pools while earning
Forget MEV bots. Deposit, wait, profit from liquidations.
5-15% discount on ETH, BTC, whatever gets liquidated
Triple income — sGREEN yield + liquidation profits + RIPE rewards
Zero effort — Smart contracts do the work
Earn RIPE by using the protocol. Time-weighted rewards ensure fair distribution.
150M RIPE distributed over 5 years
Four ways to earn - Borrow, stake, deposit, vote
Auto-staking - Compound directly to governance
Governance & Economics
Understanding the 1 billion RIPE token distribution and vesting schedules that power the protocol.
Fixed supply - 1B cap with bad debt exception
Community first - 25% for rewards, largest unlocking allocation
Transparent vesting - All schedules enforced onchain
Strategic funding - Bootstrapped with only $1.87M raised
Lock RIPE tokens to accumulate voting power and earn protocol rewards.
Time multipliers - Up to 3x power for 3-year locks
Staker rewards - Earn from protocol emissions
Future control - Guide protocol evolution
Exchange stablecoins for discounted RIPE, supporting protocol growth.
Instant or locked - Up to 3x tokens for commitment
Bond Boosters - Bonus rewards for ecosystem contributors
Permanent funding - Builds the Endaoment treasury
Self-sustaining treasury that works 24/7 defending GREEN and generating yield.
Multi-strategy yields - Optimized across DeFi
Peg defense - Automated market operations
Partner programs - Collaborative liquidity
Resources & History
Multi-oracle system ensuring fair and manipulation-resistant pricing.
Five oracle providers - Chainlink, Curve, Pyth, Stork, and yield-token pricing
Automatic fallbacks - No single point of failure
Staleness protection - Always current prices
Explore Ripe's evolution from early conception through years of refinement to protocol launch.
Historical documentation - Whitepapers, blog posts, and videos from 2022-2024
Design philosophy - Understand the core ideas that guided development
Testnet learnings - See how "Ripe Radness" seasons shaped the final protocol
Key refinements - Learn why features like Juice Score evolved out
The Magic: Your Risk, Your Reward, Your Portfolio
Other protocols: "Pick one: safe OR efficient." Ripe: "Why not both?"
Your collateral, your loan — No sharing risk with degens
Everything counts — From ETH to tokenized gold to treasury bills
Any asset works — If it has value, you can borrow against it
Sleep easy — Your position doesn't care what others do
❓ Common Questions
Have questions? Check our comprehensive FAQ for answers to:
How is GREEN different from DAI or USDC?
What happens during liquidations?
How are RIPE rewards calculated?
What makes Ripe's multi-collateral system unique?
How does sGREEN generate yield?
And much more...
Pick Your Play
Four ways to win. All of them better than watching your assets do nothing.
🟢 The Easy Button: Buy sGREEN, Earn Forever
Swap to sGREEN. Close laptop. Come back richer. That's it. → Get sGREEN Now
⚡ The Liquidation Game: Buy ETH at 90 Cents on the Dollar
Someone else overleveraged? Their loss, your gain. Stability pools turn liquidations into profit. → Join the Pools
🎯 The Power Move: One Loan to Rule Them All
Your tokenized Tesla shares + ETH + treasury bills + that yield position = One massive loan. Finally. → Start Borrowing
🏗️ The Long Game: Lock RIPE, Run the Protocol
Governance power grows with time. Lock today, control tomorrow. → Lock and Lead
🤝 Join the Ripe Community
Connect & Learn
Discord: Join our community — Get help, share strategies, and connect with other users
Twitter/X: @RipeProtocol — Latest updates and announcements
Blog: Medium — Deep dives and protocol insights
GitHub: ripe-foundation — Open source code and development
Need Help?
FAQ: Check our Frequently Asked Questions first
Discord Support: Ask in #help channel for quick help
Documentation: You're in the right place! Navigate using the menu above
The Real Vision: Unlocking $16 Trillion
Here's what matters: By 2030, $16 trillion in real-world assets will be tokenized. Stocks. Real estate. Gold. Treasury bills.
Traditional DeFi can't handle them. Too risky. Too different. Too complicated.
Ripe was built for this moment. When your tokenized Tesla shares are as easy to borrow against as your ETH. When that tokenized apartment in São Paulo unlocks liquidity for its owner. When a farmer in Guatemala can finally access capital using tokenized land.
Every other protocol is fighting over the same $500B in crypto. We're building for the $16 trillion that's coming.
One loan. Every asset. The future of finance.
Welcome to lending that actually makes sense.
For technical implementation details, see the Technical Documentation.
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