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LiveSmart contracts audited by ChainSec — full report published
Live on Arbitrum

Earn, borrow,
and grow
on-chain.

Non-custodial savings, crypto-backed loans, and a subscription that compounds your edge. No counterparty risk you can't audit.

TVL Live

$2,417,823

Yield paid

$184,209

APY

11.0%

LTV

75%

Tier

Platinum

Audited & secured by

ChainSec
Trail of Bits
OpenZeppelin
Chainlink Oracles
Arbitrum

Live · Public · Updated every 10s

By the numbers, in real time.

TVL

$2.42M

+12.4% · 30d

Yield Paid · All-time

$184.21K

+8.1% · 30d

Active Users

1,247

+24 · 30d

Avg. Effective APY

8.2%

+0.4pp · 30d

How it works

From wallet to yield
in four steps.

  1. 01

    Connect your wallet

    MetaMask, Rabby, WalletConnect, or any EVM-compatible wallet. No KYC at MVP. Your keys stay yours.

  2. 02

    Choose a product

    Lock into a savings vault, open a loan, or subscribe to a tier. All actions happen non-custodially on Arbitrum.

  3. 03

    Earn or borrow

    Yield accrues daily. Loans are open-ended. Tier benefits stack automatically across products.

  4. 04

    Withdraw anytime

    Standard withdrawals batch every 24h, free. Instant withdrawal in under 5 minutes — free for higher tiers.

Subscription

Tiers that compound
your edge.

See full comparison

Base

Free
APY Boost
+0.0%
Loan Discount
0%
Max LTV
45%
Start free

Silver

$12/mo
APY Boost
+2.5%
Loan Discount
15%
Max LTV
55%
Choose Silver
Most popular

Gold

$55/mo
APY Boost
+5.5%
Loan Discount
35%
Max LTV
65%
Choose Gold
Elite

Platinum

$220/mo
APY Boost
+8.0%
Loan Discount
55%
Max LTV
75%
Choose Platinum

Yield Calculator

What would your
balance earn?

Pick your asset, term, and tier. Calculations use current rates. Actual returns depend on treasury performance.

$
Effective APY11.0%
Projected yield (90 days)+$271
Total at maturity$10,271

Annualized: $1,100

Launch app to start

Radical transparency

Every dollar tracked.
Every transaction on-chain.

TVL, treasury buffer, system LTV, and every liquidation event published publicly, refreshed every 10 seconds. No black box.

Open transparency dashboard
System LTV41.1%
Treasury buffer5.7%
Health statusAll systems healthy

Updated · 10s ago

Referrals

Build a network.
Earn up to 10%
of their yield — forever.

Lifetime commissions. Paid weekly in the same asset your referees earn. Platinum members earn an additional layer from their network's network.

How the program works

Base

3%

commission

Silver

5%

commission

Gold

7%

commission

Platinum

10%

commission

From the community

Trusted by capital
that does the homework.

"Finally, a DeFi yield platform that publishes its treasury buffer publicly. The transparency dashboard alone is worth subscribing for."

MC

Marcus Chen

Crypto fund analyst · @mchen_eth

"I borrowed against my ETH at 3.6% APR with Platinum. Zero slippage, zero CGT trigger. The loan dashboard is genuinely useful."

SR

Sofia Reyes

Long-term holder · @sofia_hodl

"The referral program pays in the same asset my network earns yield in. Weekly auto-payouts. No KYC noise on top of it."

JP

Jordan Park

Community builder · @jp_onchain

Frequently asked

Common questions,
honest answers.

Ready when you are

Capital deserves
better infrastructure.

Connect a wallet. Lock into a vault, open a loan, or claim a tier. Five minutes to first yield.

Crypto-backed lending and yield products carry risk of loss. Read our full risk disclosure before participating.

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