Collateral Assets
One loan. Every asset. Maximum efficiency.
That's Ripe Protocol. While other lending protocols make you open separate positions for each asset (exhausting) or limit you to "safe" tokens only (boring), Ripe does something radical: it treats your portfolio like a portfolio. Your ETH, your yield-bearing positions, your stablecoins, even your NFTs — they all work together to back a single GREEN loan with weighted terms. No juggling. No wasted capital. Just pure efficiency.
Why Ripe's Approach is Different
The Problem with Traditional Lending
Most DeFi protocols force you into one of two suboptimal models:
Isolated Markets: Each asset creates a separate loan position
Deposit ETH → Manage one position
Deposit cbBTC → Manage another position
One liquidation doesn't help the others
Complex management across multiple positions
Pooled Lending: Shared risk limits asset acceptance
Only blue-chip assets allowed
Your deposits back everyone's loans
Bad actors affect all depositors
Innovation stifled by conservative parameters
Ripe's Solution: Best of Both Worlds
Ripe combines portfolio efficiency with individual risk isolation:
Your Multi-Asset Portfolio = One GREEN Loan
┌───────────────────────────────────────────┐
│ ETH USDC WBTC PEPE stETH │
│ $10k $5k $15k $100 $50k │
│ 80% 90% 80% 50% 85% │ <- Individual LTVs
│ ↓ ↓ ↓ ↓ ↓ │
│ ═══════════════════════════════════════ │
│ COMBINED COLLATERAL │
│ Total Value: $80,100 │
│ Borrowing Power: $67,585 │
│ ↓ │
│ SINGLE GREEN LOAN POSITION │
│ Up to $67,585 GREEN │
│ │
│ • One loan, one interest rate │
│ • One health factor to monitor │
│ • All assets contribute to backing │
│ • Your risk isolated from others │
└───────────────────────────────────────────┘This architecture enables support for virtually any asset while maintaining protocol safety — your collateral backs only your loans, not a shared pool.
The Universe of Supported Assets
Ripe's extensible architecture can support a vast and growing universe of tokenized value:
1. Stablecoins - The foundation of stability
USDC, USDT: Major centralized stablecoins with deep liquidity
USDS: Decentralized stablecoin from Sky Protocol
Yield-bearing stables: Interest-earning stable assets
Typically offer 80-90% LTV ratios due to price stability
2. Blue-Chip Crypto - Established digital assets
WETH: Wrapped Ethereum, the DeFi standard
WBTC/cbBTC: Bitcoin representations on Ethereum
Major DeFi tokens: AAVE, UNI, CRV, and other protocol tokens
Layer 1 tokens: SOL, AVAX, XRP, HYPE (when bridged)
Provide strong borrowing power with proven track records
3. Yield-Bearing Assets - Earn while you borrow
Liquid staking: stETH, rETH, cbETH continue earning staking rewards
LP tokens: Uniswap, Curve, Balancer positions keep earning fees
Vault tokens: Lending positions from Aave, Morpho, Euler, etc.
Share-based accounting preserves all accumulated yields
4. Tokenized Real-World Assets - Bridging traditional finance
Securities: Tokenized stocks, bonds, ETFs
Commodities: Gold, silver, oil representations
Real estate: Property-backed tokens
Carbon credits: Environmental assets
Special handling for regulatory compliance
5. NFTs & Unique Assets - Beyond fungible tokens
Blue-chip collections: Punks, Apes, Penguins as collateral
Art NFTs: Generative and 1/1 pieces
Gaming items: Weapons, land, characters
Music/Media: Royalty-bearing NFTs
Lower LTVs (30-50%) but still productive capital
6. Emerging Digital Assets - The new frontier
Prediction shares: Tokenized prediction market positions
Meme coins: PEPE, SHIB, and community tokens
Social tokens: Creator coins and DAO tokens
AI tokens: Emerging AI protocol tokens
Conservative parameters reflect higher volatility
How Deposits Work
Vault Types Explained
Ripe automatically routes your deposits to specialized vaults:
Simple Erc20 Vaults - Standard tokens (ETH, USDC, most assets)
Direct 1:1 balance tracking
Simple deposit/withdraw mechanics
Most common vault type
Rebase Erc20 Vaults - Yield-bearing assets (stETH, aTokens)
Share-based accounting preserves yields
Compound earnings while deposited
No opportunity cost from collateralization
Special Purpose Vaults
Ripe Gov Vault: Lock RIPE tokens for governance power
Stability Pools: Earn from liquidations with sGREEN/LP tokens
Future Vaults: NFTs, RWAs, and emerging asset types
The Power of Extensibility
Ripe's vault system is designed to be infinitely extensible. As new asset types emerge or special requirements arise, the protocol can deploy new vault implementations without disrupting existing operations:
Custom Logic: Each vault type can implement specific behaviors for its assets
Future-Proof: Support for assets that don't exist yet
Seamless Integration: New vaults plug into the existing ecosystem
Innovation Ready: From NFT fractionalization to real-world asset settlements
This extensibility ensures Ripe can adapt to any tokenized value the future brings — whether it's gaming assets requiring special metadata, regulated securities needing compliance hooks, or entirely new token standards we haven't imagined yet.
The protocol automatically selects the right vault — you just deposit.
Deposit Limits and Controls
Each asset has configurable parameters that protect the stability of GREEN, our stablecoin:
Why Limits Matter
Since deposited assets serve as collateral backing GREEN loans, the protocol must prevent any single asset from becoming too dominant. If 90% of GREEN were backed by one volatile asset, its price swings could destabilize the entire system. Limits ensure diversified, resilient backing.
Per-User Limits
Maximum deposit per user per asset
Prevents whale dominance in specific assets
Ensures broad distribution of risk
Maintains fair access for all participants
Global Limits
Protocol-wide caps per asset type
Controls each asset's percentage of total GREEN backing
Gradual increases as assets prove stability and liquidity
Protects stablecoin integrity during market stress
Minimum Balances
Small position requirements
Prevents dust accumulation
Ensures meaningful participation
Reduces computational overhead
These limits adapt over time through governance, balancing growth opportunities with prudent risk management. As assets demonstrate stability and liquidity deepens, limits can expand while maintaining GREEN's robust backing.
Making Withdrawals
Withdrawal Mechanics
Withdrawals respect your overall position health:
Free Collateral: Withdraw assets above borrowing needs
Health Check: Ensure position remains safe
Instant Processing: No waiting periods or queues
Partial or Full: Take what you need, leave the rest
Understanding Available Withdrawals
Your withdrawal capacity depends on:
Unused collateral not backing loans
Asset-specific LTVs determining borrowing power
Current debt levels and interest accrued
Overall health factor maintaining safety
Example:
Deposited: $10,000 ETH
Borrowed: $5,000 GREEN (at 80% LTV)
Required: $6,250 collateral
Available to withdraw: $3,750 worth of ETHEarning While Deposited
Automatic Reward Accumulation
Every deposit earns RIPE rewards through the protocol's points system:
Points = Deposit Value × Blocks Held
Share = Your Points / Total Points
Rewards = Your Share × EmissionsTime matters as much as size — smaller deposits held longer can out-earn whale positions.
Reward Categories
General Depositors - All deposits earn base rewards
USD-weighted fair distribution
No special requirements
Passive income on all assets
Vote Depositors - Community-selected bonus rewards
Higher allocations for chosen assets
Governance participation benefits
Strategic deposit opportunities
Special Rewards - Enhanced earnings in specific vaults
Stability pool deposits earning dual yields
Governance Vault staking with multipliers
Future special purpose incentives
For a detailed exploration of the RIPE rewards system, including emission schedules, point calculations, and maximization strategies, see RIPE Block Rewards.
Advanced Features
Delegation System
Grant specific permissions to other addresses:
Deposit Rights: Allow others to add collateral
Withdrawal Rights: Delegate withdrawal capabilities
Full Flexibility: Revoke permissions anytime
Smart Wallet Compatible: Works with Underscore wallets (Hightop app)
Use cases:
Team treasury management
Automated strategy execution
Family account structures
Protocol integrations
Whitelisted Assets
Some assets require special access:
Tokenized Securities: KYC/AML verification
Institutional Assets: Accredited investor status
Beta Features: Early access programs
Regulated Tokens: Compliance requirements
The protocol handles permissions transparently — you'll know if an asset requires approval.
Why Deposit in Ripe?
Immediate Benefits
Earn RIPE rewards on all deposits automatically
No lock-ups on general deposits (withdraw anytime)
Productive collateral - yields continue accumulating
Portfolio approach reduces liquidation risk
Long-term Value
Early participant advantages in growing protocol
Governance participation shapes the future
Network effects as more assets join
Innovation pipeline supporting new asset types
Capital Efficiency
One position instead of many to manage
Cross-collateralization maximizes borrowing power
Lower liquidation risk through diversification
Optimized parameters for each asset type
The Power of True Portfolio Lending
Forget everything you know about DeFi borrowing. No more juggling ten different positions. No more leaving half your assets idle because they're "not supported." No more choosing between earning yield or accessing liquidity.
With Ripe, your Aave positions keep earning. Your NFTs become productive. That random memecoin moonshot? It's collateral now. One loan, weighted terms, every asset working.
This isn't just another lending protocol — it's how DeFi lending should have worked from day one.
For technical implementation details, see the Technical Documentation
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