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Chỉ số Phổ Biến RD
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Về Spine Finance
Spine Finance positions itself as credit infrastructure for onchain asset management, centred on open credit rails and structured finance. Its Lend, or Earn, vaults take deposits into a Central Credit Vault where curator-managed diversified Credit Books, audited strategies and institutional-grade onchain credit markets generate yield.
On the borrowing side it supports fixed-rate, fixed-term loans, letting users lock collateral for instant borrowing insulated from variable-rate volatility; users can also self-custody and curate their own vault, defining capital routing, selecting yield strategies and setting an allocator-ready yield curve. The project lists programmable liquidity allocation and financing for tokenized real-world assets, and cites multi-layer testing alongside third-party audits, naming security partners such as Recon, Sherlock and Hypernative.
On October 30, 2025 Spine won and received investment through IDGX's BlockStar 2025 incubation programme, with dlab and Tulipa Capital participating; it closed a further early-stage round in January 2026 for an undisclosed amount. On June 15, 2026 it deployed two products on RISE's mainnet day one: pool-based lending built on a Morpho Lite deployment and its own orderbook fixed-rate borrowing product, with Yearn as the first curator.
On September 18, 2026 it went live on Robinhood Chain as the first fixed-rate lending protocol there, starting with USDG markets collateralised by Pendle's PT-NVDA and launching the Spine USDG Fixed-Rate Vault. On October 13 it said the credit book quoted a 4.25% fixed rate at up to 70% LTV and would settle in line with the PT-NVDA maturity on October 15.
Spine Finance will replicate fixed-rate credit books across more chains and RWA collateral, expand self-custodied vault curation and structured credit tranching, and push into institutional lending markets.