Earn yield on every dollar.
Borrow against ETH without selling.
Chariot is a crosschain lending protocol on Arc. Lenders earn dual yield from borrower interest and T-bill returns -- even at low utilisation. Borrowers deposit ETH on Ethereum and borrow USDC on Arc in under two minutes.
20x
vs Traditional Yield
3.60%
Current Supply Rate
2
Supported Networks
< $0.01
Average Cost
Built for both sides of the market.
Three mechanisms working together so lenders never earn zero and borrowers never overpay.
Dual-Yield Vault
Your USDC earns from two sources at once -- borrower interest payments and T-bill returns on idle capital via USYC. At 20% pool utilisation, Chariot delivers 3.60% APY. Traditional protocols deliver 0.18%.
Crosschain Lending
Deposit ETH on Ethereum. Borrow USDC on Arc. Chariot bridges your collateral through a custom escrow system so you can access liquidity across chains without selling your position.
Dynamic Risk Engine
LTV ratios and interest rates adjust based on real-time oracle data. When volatility spikes, your position is protected automatically. When markets calm, you get more capacity. No governance votes. No delays.
How Chariot works.
Two paths. Both take under two minutes.
For Lenders
Deposit USDC
Connect your wallet and deposit USDC into the Chariot Vault. You receive chUSDC vault shares representing your position.
Earn Dual Yield
Your deposit earns from two sources simultaneously -- borrower interest and T-bill returns on idle capital. Yield accrues to your vault shares in real time.
Withdraw Anytime
Redeem your chUSDC shares for USDC plus all accrued earnings. No lock-ups. No penalties. Your capital, your timeline.
For Borrowers
Deposit ETH on Ethereum
Deposit ETH into the Chariot escrow contract on Ethereum. Your collateral is securely locked and bridged to Arc within seconds.
Collateral Arrives on Arc
The bridge relayer confirms your deposit and mints BridgedETH on Arc. Your collateral value, health factor, and borrow capacity appear instantly.
Borrow USDC
Borrow USDC against your collateral on Arc with sub-second finality. Repay on your own schedule -- no deadlines, no penalties for early repayment.
The math is simple.
| Metric | Traditional Protocols | Chariot |
|---|---|---|
| Supply APY at 20% utilisation | 0.18% | 3.60% |
| Idle capital strategy | Earns nothing | T-bill yield (~4.5%) |
| Risk parameter updates | Governance votes (weeks) | Real-time oracle data (per-block) |
| Crosschain collateral | Not supported | ETH on Ethereum accepted |
| Transaction finality | 13+ seconds (Ethereum) | Sub-second (Arc) |
| Transaction cost | $5 -- $50 (Ethereum) | < $0.01 (Arc) |
Built on trusted infrastructure.
Your capital is waiting.
Whether you are earning dual yield as a lender or borrowing against ETH without selling, Chariot is your vehicle to long-term wealth.
No lock-ups. No minimum deposit. Sub-second transactions under $0.01.