Ocrypto Lending Platform Documentation

Overview

Ocrypto is a decentralized lending platform that allows users to earn yield, supply collateral, and borrow assets through secure smart-contract-powered pools.

The platform consists of three main modules:

• Lending Pools – Earn yields by supplying assets.
• Collateral Pools – Deposit collateral to unlock borrowing capacity.
• Borrowing Pools – Borrow assets based on your collateral.
• Wallet Connection – Required to access any on-chain features.

This document explains the workflow and functionality of each module.

1. Connecting Your Wallet

Before interacting with any feature on Ocrypto, users must connect a Web3 wallet.

Supported Wallets

• MetaMask
• WalletConnect wallets
• Privy / MPC wallets (if integrated)
• Browser-integrated wallets

How to Connect

1. Click the “Connect Wallet” button at the top-right corner.
2. Select your preferred wallet provider.
3. Approve the connection request in your wallet.
4. Once connected, your address and balances will automatically load into the interface.

2. Lending Pools (Staking & Yield Interface)

Lending Pools allow users to supply liquidity and earn yield over time.

Features

• Supply assets to earn APY.
• Withdraw assets anytime.
• View real-time pool APY and total liquidity.
• Track your deposited balance and accumulated rewards.

How to Lend

1. Navigate to Lending Pools.
2. Choose the asset you want to supply.
3. Click “Deposit”, enter amount, and confirm the transaction.
4. Rewards will automatically accumulate in the pool.

3. Collateral Pools (Collateral Interface)

Collateral Pools are designed for users who want to borrow assets. By depositing accepted tokens as collateral, users unlock borrowing power.

Features

• Deposit collateral.
• View collateral value in USD.
• Check collateral ratio and liquidation threshold.
• Redeem collateral at any time (as long as loans are repaid).

How to Add Collateral

1. Go to Collateral Pools.
2. Select a supported collateral asset.
3. Click “Deposit Collateral”.
4. Sign the transaction in your wallet.
5. Your borrowing power updates instantly after confirmation.

4. Borrowing Pools (Borrowing Interface)

Borrowing Pools allow users to take out loans using their collateral deposited in Collateral Pools.

Features

• Borrow multiple assets.
• Real-time Loan-to-Value (LTV) calculations.
• View and repay loans anytime.
• System enforces safe collateralization to prevent liquidation.

How to Borrow

1. Open Borrowing Pools.
2. Choose the asset you want to borrow.
3. The interface displays: Available Borrowing Power, Interest Rate, Your Collateral Ratio.
4. Enter the borrowing amount.
5. Confirm the borrow transaction via your wallet.

5. Repayment

Users can repay their borrowed amount at any time.

Steps

1. Go to Borrowing Pools → Your Loans.
2. Select the loan to repay.
3. Click “Repay” and confirm the transaction.

Collateral locked for that loan becomes withdrawable once the debt is cleared.

6. Security & Smart Contracts

Ocrypto uses audited smart contracts to ensure:

• Non-custodial asset management
• Transparent interest models
• Secure liquidation mechanisms
• Fully on-chain accounting

Users always retain full control over their assets.

Conclusion

Ocrypto provides a seamless, decentralized experience for earning yield, supplying collateral, and borrowing assets. By following the steps above, users can safely manage their DeFi lending operations directly from their Web3 wallet.