A tectonic shift inlending & borrowing

Tectonic is a cross-chain money market for earning passive yield and accessing instant backed loans



Generate passive yield on your assets

Crypto assets deposited into Tectonic earn attractive APYs based on a dynamic rate according to market demands. Earnings are available immediately with no lockup.

Instant loans

Instant liquidity at your fingertips

Get an instant loan to unlock liquidity from idle crypto assets into Tectonic.

Keeping your funds safe is our top priority

Audited smart contracts

Our smart contracts have been audited by leading blockchain security auditors Slowmist.

Insurance fund (Coming soon)

10% of the interest paid by borrowers goes to an insurance fund used in the event that undercollateralized loans are not properly liquidated.

Open source

Interoperability and open source are among the founding principles of DeFi, which Tectonic is proudly committed to.


Frequently asked questions

What is Tectonic?

Tectonic is a decentralized non-custodial algorithmic money market protocol. Users can deposit assets to earn passive income or borrow funds to unlock liquidity in their assets.

How does Tectonic work?

Funds deposited by users are provided as liquidity to borrowers, who may borrow at variable interest rates. Tectonic's smart contracts adjust these rates based on each market's utilization rates.

What is TONIC?

TONIC is Tectonic's protocol token with two key use cases: governance and staking into the Community Insurance Pool to secure the protocol and earn more rewards.


Join the community

Learn more about Tectonic, stay up to date on all the latest protocol news and connect with others in the community.