The first ZK-native lending protocol on Midnight. Deposit privately, borrow sUSD without revealing your position. Earn yield on deposits. Your portfolio — invisible to the world, provable to the protocol.
$5.6M
Total deposited
$2.1M
Total borrowed
18.4%
Best APY
⊘
Private positions
Your position — ZK shielded
$0.00
Deposited
$0.00
Borrowed
∞
Health factor
Liquidation health
DangerNo borrowsMax
Deposit & earn yield
🌙
NIGHT
APY 18.4%
TVL $1.2M
💵
sUSD
APY 8.2%
TVL $3.8M
⚡
tDUST
APY 12.1%
TVL $620K
Borrow against collateral
Select asset to borrow
sUSD
11.5% APR
NIGHT
22.1% APR
tDUST
16.3% APR
Max borrow: 75% of deposited value · ZK health proof required
📊 All markets
Asset
Deposit APY
Borrow APR
TVL
Utilisation
🌙 NIGHT
18.4%
22.1%
$1.2M
74%
💵 sUSD
8.2%
11.5%
$3.8M
62%
⚡ tDUST
12.1%
16.3%
$620K
58%
How ZK lending works
🔒
Private deposits
Your deposit amount is hidden on Midnight. Only the protocol knows your balance — through a ZK proof, not plaintext.
⊘
ZK health proof
Borrow by proving your health factor exceeds 1.0 without revealing your exact collateral amount.
📈
Earn yield
Interest flows continuously to depositors. Your yield accrues privately. Claim anytime.
⚡
Instant liquidation
If health drops below 1.0, the contract liquidates automatically. No human intervention needed.
🏦
Connect to lend
Connect a Midnight wallet to deposit assets, borrow against collateral, and earn yield.