Borrow against PREDI
Teller pools accept PREDI, issued as Predi by Virtuals on Base, as collateral at up to 20% LTV, lending USDC at 25% APR. Every loan is fixed-term with no margin-call, so a price fall during the loan cannot liquidate your collateral.
| Collateral | Network | LTV | APR |
|---|---|---|---|
| PREDI | Base | 20% | 25% |
Pool data read . Rates and LTVs are set per pool and change when operators change them.
Nine hundred and twenty-five million, not a billion
totalSupply on 0xaea742f80922f7c94b8fd91686c9dfbdfe90d9e6 answers 925,037,800 PREDI. Launchpad tokens are minted at a round billion, so roughly seventy-five million units have been removed since issue.
The figure is a live read rather than a fixed property, which makes it the wrong number to memorise and the right number to check. If you are working out what a holding is worth as a share of the whole, take the supply on the day rather than the one in a listing.
The name is Predi by Virtuals
The contract answers Predi by Virtuals for its name and PREDI for its symbol, so the two agree here in a way they do not on FACY, whose contract reads ArAIstotle. Both come from the same launchpad on Base, which issues agent tokens against VIRTUAL.
Both are also minimal proxies pointing at one shared implementation at 0x9215e9a88c94b9dcad5b02e32cd5cab2a291458b, so the token behaviour is identical across the family and the differences between two rows are the pool terms.
Two rows, one implementation, separate pools
Sharing token code says nothing about the terms. Each pool is deployed by an operator who sets its own ceiling, rate, term length and fee, and reads its own price feed. Two tokens built from the same bytes can sit five points apart on either number.
So compare the rows rather than the families. The table above carries the live figures for this pool, and the pool enforces them on-chain when you sign.
The loan
Deposit PREDI, receive USDC, repay or roll on the due date. This pool lends up to 20% of the deposited value at 25% APR over a 30-day term. Every loan is fixed-term with no margin-call, so a price fall during the loan cannot liquidate your collateral. Miss the due date and the collateral is forfeit. Base gas is cents on both transactions.
Frequently asked questions
925,037,800 at the last read, against the round billion launchpad tokens are minted at. Roughly seventy-five million units have been removed since issue, and the figure is a live read rather than a fixed property.
Both are agent tokens from the same Virtuals Protocol launchpad on Base, and both are minimal proxies pointing at the implementation at 0x9215e9a88c94b9dcad5b02e32cd5cab2a291458b. Their pool terms are set separately.
No. Each pool is deployed by an operator who sets its own ceiling, rate, term length and fee. Two tokens built from the same bytes can sit several points apart on either number, so compare the rows.
USDC on Base, paid to the wallet that signed the borrow, on a 30-day term at the ceiling and rate shown live above.
Not during the term. There is no liquidation threshold while the loan runs. Only a missed due date forfeits the collateral.
Open a loan
Connect a wallet, deposit your collateral, and borrow a stablecoin. No credit check, no application.
Go to the borrow tab →No collateral to pledge? Check whether you pre-qualify for a no-collateral personal loan. Soft check, no hard pull.