Borrow against XDC
Teller pools on XDC Network accept wrapped XDC as collateral at up to 33.3% LTV, lending USDC at 15% APR, one of the largest collateral books on the platform. Every loan is fixed-term with no margin-call, so a price fall during the loan cannot liquidate your collateral.
| Collateral | Network | LTV | APR |
|---|---|---|---|
| WXDC | XDC | 33.3% | 15% |
Pool data read . Rates and LTVs are set per pool and change when operators change them.
One of the deepest books on the platform
The XDC pool quotes 33.3% LTV at 15% APR, one of the widest collateral books Teller carries. XDC holders have somewhere to borrow dollars that most lending venues never opened, because XDC Network sits outside the chains a money market reaches for first.
At 33.3%, ten thousand XDC backs a loan of roughly the ceiling shown above in USDC. Size it against the due date rather than the ceiling and the repayment stays comfortable.
Your XDC becomes WXDC first
XDC is the gas token of XDC Network, so it cannot sit in a pool as an ERC-20 without a wrapper. WXDC at 0x951857744785e80e2de051c32ee7b25f9c458c42 is that wrapper, and it holds your XDC one for one in both directions.
Teller does the wrapping inside the same transaction batch. Pick XDC in the borrow sheet and a deposit call goes in ahead of the borrow, leaving 2.5% of the balance unwrapped so gas is covered for the transactions that follow. Rollovers run on XDC Network too, so a loan can be extended into a fresh term at the rate on offer that day rather than repaid outright.
Why an XDC loan is worth more than the rate suggests
XDC Network was built around trade finance and ISO 20022 messaging, and the people holding size in it tend to hold for that thesis rather than to trade. Selling to raise dollars ends that position and, in the US, realises any gain along with it. Borrowing keeps the holding and the exposure intact.
The fixed term is what makes that work. Rate, LTV and the roll window all lock when the loan opens, and the protocol holds your WXDC until you repay or roll. A price move during the term leaves your obligation exactly where it started, so there is no threshold to watch and no margin call to answer. The due date is the one date that matters, and missing it forfeits the collateral.
For the wider case, read borrowing against crypto without selling.
Frequently asked questions
Yes. Teller pools on XDC Network lend USDC against wrapped XDC at the ceiling shown above. XDC is the network's gas token, so it is wrapped as WXDC first, which the borrow sheet handles inside the same transaction batch.
No. Pick XDC in the borrow sheet and Teller prepends the wrap to the transaction batch. It leaves 2.5% of the balance unwrapped so gas is covered for the approval and the borrow that follow.
Your obligation stays exactly where it started. Teller loans are fixed-term with no liquidation threshold during the term, so neither a rally nor a drawdown changes what you owe on the due date.
Yes. Rollovers run on XDC Network, so a loan can be rolled into a fresh term at the rate on offer that day rather than repaid outright.
USDC, delivered to the wallet that signed the borrow on the same network as 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.