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How it works

01
Deposit your crypto SOL, BTC, ETH, USDT or jitoSOL. It’s deposited into Kamino Finance, audited 18+ times, including by Trail of Bits and Certora — managed by smart contracts, never by us.
02
It starts earning automatically Your assets earn daily yield from real on-chain borrowing demand, accruing hourly in your balance. Kamino holds $2.8B TVL with zero bad debt across its history.
03
Yield builds on itself The same deposit unlocks a credit line you can spend in Credit Mode — so your assets earn and back your borrowing at once. No claiming, no staking steps.
Full transparency

No lock-ups. And nothing you have to take on faith

Your position lives on-chain, where you can see it — not in a quarterly PDF. Yield builds continuously, compounds on its own, and your crypto stays available throughout — unless you’ve pledged it as collateral for a loan, in which case it’s locked until you repay.

Decide to leave at 3 a.m. on a Sunday? If it isn’t backing a loan, you can start a withdrawal at 3 a.m. on a Sunday.

Withdraw on your schedule
No notice periods, no lock-ups.
Verifiable on-chain
Every position you can check yourself, not just take our word for.
Non-custodial throughout
You stay the on-chain owner. Your assets work in audited protocols — never held by us.
Supported assets

What earns, 
and how much

Ethereum (wETH)

On the card

Your Ethereum on Solana, backed 1:1. Same ETH, in a form Solana can use.
LTV
–
APY
7,45%
JitoSOL

On the card

SOL that’s already earning staking rewards — put it to work again.
LTV
1%
APY
-4,87%
Bitcoin (cbBTC)

On the card

Your Bitcoin on Solana, backed 1:1 by Coinbase. Same BTC exposure, ready to work.
LTV
–
APY
4,98%
Ethereum (wETH)

On the card

Your Ethereum on Solana, backed 1:1. Same ETH, in a form Solana can use.
LTV
–
APY
7,45%
USDT

On the card

Dollar-pegged stablecoin.
LTV
–
APY
5,85%
USDT

On the card

Dollar-pegged stablecoin.
LTV
–
APY
5,85%
Rates are variable and set by the protocol, not by us. Shown live, updated continuously.
 Why through DeFi

Why we built on Kamino

Your crypto earns and is held through Kamino — an open Solana protocol, audited multiple times, with billions in deposits and a track record of zero bad debt. It is one of the cleanest ways of earning interest on crypto on Solana: every position is visible on‑chain in real time, and no company holds your funds behind a curtain.

We are deliberate about where you earn crypto interest and which protocols we trust with collateral — Kamino is among the most battle‑tested in the ecosystem.*

*Smart contracts carry inherent risk, which audits reduce but never fully remove. See the FAQ for how we think about it.

XPlace provides a technical interface to Kamino smart contracts. XPlace is not a yield provider.

Put your
crypto to work
It goes to work the moment you deposit. So does the freedom to leave.
GET STARTED
FAQ

Questions worth asking

  • Where does the yield come from?
    From lending markets on Kamino Finance. Borrowers pay interest; depositors earn it. No token emissions dressed up as returns.
  • Is the yield guaranteed?
    No. Rates are variable and set by demand on the protocol. We show them live and never quote a fixed number.
  • Can I withdraw whenever I want?
    Withdraw on your schedule. No lock-ups or notice periods. In rare moments of market stress, withdrawals depend on protocol liquidity and may be briefly limited.
  • Can the same crypto back my credit line?
    It already does — it’s the same deposit. Your assets in Kamino earn yield and back your credit line at the same time; that’s the core of how XPlace works. While a borrowed amount is outstanding, the collateral behind it stays locked until you repay.
  • What are the risks?
    Smart-contract risk (reduced by 18+ audits and Kamino’s zero-bad-debt record, never eliminated) and, if you borrow against your crypto, liquidation risk. We’d rather you hear it from us.

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