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Easy mode lending demonstration showing one-click deposit with automatic rate optimization

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Overview

Easy Mode is designed for users who want fixed-rate exposure without the complexity of managing rates, maturities, and rollovers. One click, predictable yields.
Perfect for: Users who want “set and forget” fixed-rate positions without monitoring order books or managing maturities.

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How Easy Mode Works

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For Lenders

1

Login & Select Asset

Login with your preferred method (wallet, social, or email) and choose which stablecoin to lend
2

Enter Amount

Specify how much you want to lend
3

One-Click Lend

Click “Lend” and the protocol handles the rest:
  • Optimal rate selected from current market
  • Standard maturity (typically 30-90 days)
  • Auto rollover enabled by default
4

Receive CBT

Get CBT tokens representing your position
Step-by-step easy mode lending flow animation

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For Borrowers

1

Login & Deposit Collateral

Login with your preferred method and deposit supported collateral
2

Enter Borrow Amount

Specify how much you want to borrow
3

One-Click Borrow

Click “Borrow” and the protocol handles the rest:
  • Optimal rate selected from current market
  • Standard maturity (typically 30-90 days)
  • Auto refinance enabled by default
4

Receive Loan

Borrowed assets sent to your wallet
Step-by-step easy mode borrowing flow animation

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Rate Optimization

Easy Mode automatically selects the best available rate:
The protocol matches you with borrow orders offering the highest rate within acceptable parameters:
  • Scans order book for best bids
  • Considers market depth and fill probability
  • Balances rate vs time-to-fill
Example: If borrow orders range from 6-9% APY, Easy Mode might match you at 7.8% for faster execution rather than waiting for a 9% match that may take days.

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Auto Features

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Auto Rollover (Lenders)

Enabled by default in Easy Mode
When your position matures, auto rollover:
  1. Automatically creates a new lend order
  2. Uses current market rate
  3. Same maturity period as original
  4. Seamless, no action required
Benefits:
  • Continuous yield generation
  • No gaps between positions
  • No gas fees for renewal
Opt-out: You can disable auto rollover at any time before maturity through the position management interface.

Auto Rollover Details

Learn more about how auto rollover works

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Auto Refinance (Borrowers)

Enabled by default in Easy Mode
When your loan matures, auto refinance:
  1. Automatically creates a new borrow order
  2. Matches at best available rate
  3. Extends your loan seamlessly
  4. No action required
Benefits:
  • Avoid liquidation at maturity
  • Automatic rate optimization
  • No gas fees for renewal
Opt-out: You can disable auto refinance at any time before maturity. Be sure to repay before maturity if disabled.

Auto Refinance Details

Learn more about how auto refinance works

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Easy Mode Parameters

ParameterLendersBorrowers
Default maturity30-90 days30-90 days
Auto rollover✅ EnabledN/A
Auto refinanceN/A✅ Enabled
Rate selectionMarket optimalMarket optimal
Partial fills✅ Supported✅ Supported

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When to Use Easy Mode

Use Easy Mode

  • Want hands-off fixed-rate exposure
  • Don’t want to monitor order books
  • Comfortable with market-optimized rates
  • Prefer automatic position management

Consider Advanced Mode

  • Need a specific rate (e.g., exactly 10%)
  • Need a specific maturity (e.g., exactly 180 days)
  • Want to disable auto features by default
  • Building algorithmic strategies

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Fees

Easy Mode has the same fee structure as Advanced Mode:
  • No gas fees: All transactions are gasless
  • Protocol fee: 0.1% of interest earned/paid
  • No premium: Easy Mode doesn’t cost extra

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Managing Easy Mode Positions

Even with Easy Mode’s simplicity, you retain full control:

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View Positions

See all your active positions in the dashboard:
  • Current rate and maturity
  • Accrued interest
  • Auto feature status
  • CBT balance (for lenders)

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Modify Auto Features

Toggle auto rollover/refinance on or off:
  • Changes take effect at next maturity
  • No fee to modify

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Early Exit

Exit before maturity:
  • Lenders: Sell CBT on the order book
  • Borrowers: Repay loan early

Early Exit Options

Learn about early exit for CBT holders

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Example Scenarios

Action: Deposit $10,000 USDC in Easy ModeWhat happens:
  1. Protocol scans order book
  2. Matches at 7.8% APY for 60 days
  3. You receive ~9,872 CBT tokens
  4. At maturity (auto rollover enabled):
    • Position auto-renews at current market rate
    • New CBT issued for new position
Result: Continuous ~7-8% APY with zero maintenance
Action: Deposit 2 ETH collateral, borrow $5,000 USDC in Easy ModeWhat happens:
  1. Protocol scans order book
  2. Matches at 8.2% APY for 60 days
  3. $5,000 USDC sent to your wallet
  4. At maturity (auto refinance enabled):
    • Loan auto-renews at best available rate
    • No action required
Result: Continuous access to capital at predictable ~8% rates

Try Easy Mode

Launch the app and start earning fixed yields