Borrow against VCNT
Teller pools accept VCNT, whose contract reads ViciCoin, as collateral on Base at up to 25% LTV, lending USDC at 15% APR, the cheapest rate in the Base long tail. Every loan is fixed-term with no margin-call, so a price fall during the loan cannot liquidate your collateral.
| Collateral | Network | LTV | APR |
|---|---|---|---|
| VCNT | Base | 25% | 15% |
Pool data read . Rates and LTVs are set per pool and change when operators change them.
The cheapest rate in the Base long tail
This row charges 15% APR against a 25% ceiling. Almost every Base token here sits at 25% or above, and the ones with real depth reach into the forties and fifties. This one is priced closer to what Ethereum’s protocol tokens pay.
A ceiling at a quarter alongside it makes the pairing unusual twice over: this is not the narrow-ceiling trade-off that usually comes with a low rate. Roughly four dollars of collateral per dollar borrowed, at a rate a third of what its neighbours charge.
Rates are set per pool by whoever wrote it, so an outlier is one operator’s judgement rather than a signal about the asset. Worth taking at face value, and worth comparing rather than assuming the chain prices uniformly.
Just under seven million, and not a round number
totalSupply on 0xdcf5130274753c8050ab061b1a1dcbf583f5bfd0 answers 6,930,786 and some fraction, with the contract naming itself ViciCoin. Two things stand out against the Base set: it is one of the tightest floats there, and it is not a round figure, where almost everything on this chain launched at a clean billion or hundred billion.
A tight float means a higher unit price for the same market value, so read a balance here in ordinary numbers rather than in the millions the chain usually trains you to expect.
The loan
Deposit VCNT, receive USDC, repay or roll on the due date. Interest is charged for the days you hold the loan, so a 30-day term costs about a twelfth of the annual figure, which at this rate is a small number.
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 across the approval and the borrow, though on a loan this cheap to carry it is worth checking gas against the interest before committing.
The Base list carries the rest of the chain, most of it priced well above this.
Frequently asked questions
Rates are set per pool by whoever wrote it, so an outlier is one operator's judgement rather than a signal about the asset. Almost every other Base row here sits at 25% or above.
No, which is what makes it unusual twice over. The ceiling is around a quarter, so roughly four dollars of collateral per dollar borrowed, at a rate a third of what its neighbours charge.
6,930,786 and a fraction, which totalSupply confirms. It is one of the tightest floats on Base and, unusually for the chain, not a round figure.
Check it against the interest first. Base gas is cents, but on a low-rate short term it can still be a meaningful share of the total cost.
No. There is no liquidation threshold during the term. 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.