Borrow against VIRTUAL
Teller pools on Base accept VIRTUAL as collateral at up to 21.1% 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 |
|---|---|---|---|
| VIRTUAL | Base | 21.1% | 25% |
Pool data read . Rates and LTVs are set per pool and change when operators change them.
The base pair, not one of the agents
Virtuals Protocol launches agent tokens against VIRTUAL, which makes it the unit the rest of that ecosystem is priced in. Holders who are active in it usually keep a VIRTUAL balance on hand for exactly that reason, which is a balance you do not want to sell when you need dollars for something else.
Teller pools take it at 21.1% LTV and 25% APR, lending USDC on Base against 0x0b3e328455c4059eeb9e3f84b5543f74e24e7e1b.
One agent token has its own pool, and the rest do not
Agents launched through Virtuals are separate contracts with their own liquidity, and almost none of them reaches the table. AIXBT is the exception: its contract name reads “aixbt by Virtuals” and it has a Base pool of its own, at its own ceiling and rate.
So check which one you hold. A position in the base pair deposits here, a position in AIXBT deposits on that row, and a position in any other agent has to be converted before there is anything to deposit at all.
Under half a billion in issue
totalSupply on the contract answers 496,981,376 VIRTUAL, and name returns Virtual Protocol. Both resolve in a single call each, which is the quickest way to confirm the asset before a deposit on a chain where tickers repeat.
That supply is tight against the rest of the Base list, where billions and tens of billions are ordinary, so the unit price sits much higher and a collateral depositing is counted in hundreds or thousands of tokens rather than millions.
A reserve asset with a young market
21.1% places it in the Base long tail rather than alongside the majors, which is a judgement about market depth rather than about the protocol. A token that everything else in an ecosystem is priced against still has to be sellable by a pool operator on a bad day, and that is what the ceiling is measuring.
The loan
Deposit VIRTUAL, receive USDC, repay or roll on the due date. Gas on Base runs to cents across the approval and the borrow. Rate, LTV and the roll window lock when the loan opens and the protocol holds the collateral until you close it. 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.
The rest of the Base list is on the memecoin page, and AERO covers the chain’s main exchange token.
Frequently asked questions
Only AIXBT, which has a Base pool of its own at its own ceiling and rate. Other agents launched through Virtuals are separate contracts without pools here, so they would need converting first.
496,981,376, which totalSupply confirms. The contract name reads Virtual Protocol.
No. Only VIRTUAL itself has a pool. Agent tokens launched against it are separate contracts with their own liquidity and none appears in the table.
It is the unit the rest of that ecosystem is priced in, so holders active in it keep a balance on hand. A loan raises dollars without giving that up.
It measures market depth rather than the protocol. A pool operator has to be able to sell forfeited collateral on a bad day, and the ceiling reflects that.
Cents in gas on Base across the approval and the borrow, plus the quoted rate and a 1% marketplace fee.
Nothing happens to the loan. There is no liquidation threshold during the term, so the obligation on the due date is unchanged.
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.