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Near treasury bill rates for lending your

USDCusdc.

Fully composable, designed for the DeFi economy.

Term Bound Yield (TBYs)

  • check Near U.S. treasury bill lending rates
  • check Fully transferable on-chain
  • check Fully permissionless
  • check Integrated with DeFi
▶ What is Bloom?
▶ How Does it work?
▶ Why DeFi needs Bloom

DeFi yields can get back to leading the market, finally

Offchain U.S. treasury bills have earned more than DeFi despite having a lower risk profile for over a year now. This has killed the yield market in DeFi. Bloom brings a base lending rate close to the treasury bill yield on chain for users, such that DeFi yields can be added on top.

6 Month Treasury Bills

0%

Offchain and no DeFi integrations

tby 6 Month TBY
(base yield)
DeFi Boost

Fully onchain

DeFi Boost: Combine stable yield with on-chain possibilities

HOW IT WORKS

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Mint or buy TBYs with USDC

Mint new TBYs at the beginning and middle of each month on Bloom.

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Use TBYs across DeFi

Collateralize with TBYs on Blueberry, with more integrations to come.

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Redeem to get your yield

At the end of their 6 month maturity, bring your TBY back to Bloom to redeem your USDC.

COMING SOON

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Use TBYs across DeFi

Use as collateral on Blueberry, or do anything in DeFi to boost your yields further. TBYs are integrated with the best of DeFi.