Live on XDC Network
Lend and borrow
on XDC Network.
Fathom is a non-custodial lending protocol. Supply assets to earn variable interest, or borrow against your collateral. XDC and USDC are the prime markets.
Prime markets
XDC Network
XDC
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USDC
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Variable rates, updated live from the protocol.
Why Fathom
Lending that is simple to use and easy to check.
Audited codebase
Built on a battle-tested lending codebase. Halborn verified that Fathom's deployed contracts match the audited code.
Non-custodial
Your assets stay in the protocol, not with Fathom. You sign every action, and the app shows its cost and risk first.
Rates that follow demand
Supply and borrow rates are variable and adjust to how much of each market is in use.
Native XDC
Supply and borrow XDC directly. Wrapping and unwrapping happens for you in the same transaction.
Markets
Live markets.
XDC and USDC are Fathom's prime markets. Every active market on the protocol is listed here, with rates that update live.
Rates are variable. APY compounds the current rate.
All market details in the appHow it works
From wallet to loan in four steps.
01
Connect a wallet
Open the app and connect a wallet on XDC Network.
02
Supply
Deposit an asset such as XDC or USDC. You start earning the variable supply rate straight away and can withdraw at any time, subject to available liquidity.
03
Borrow
Use your supplied assets as collateral and borrow up to the market's loan-to-value limit, at a variable rate.
04
Monitor and repay
Keep your health factor above 1. Repay or add collateral at any time. Below 1, a position can be liquidated.
Infrastructure
Built to keep lending running.
The pieces that keep prices accurate, markets solvent and data live, so you can focus on your position.
Runs on XDC Network
Fathom lives on XDC Network mainnet, so you lend and borrow directly with an XDC wallet.
Battle-tested, audited codebase
The protocol runs on a proven lending codebase. Halborn verified the deployed contracts against the audited code.
Halborn reportPrice oracles
Each market has its own price feed. Prices set collateral values and borrow limits, and decide when a position can be liquidated.
Liquidation protection
When a loan becomes undercollateralised it is liquidated promptly, which keeps every market solvent. Fathom runs its own liquidators alongside the open market.
Live data
Rates, liquidity and your positions are indexed in real time and shown in the app and on this page.
Lending MCP
Connect your own tools to Fathom. The Lending MCP reads markets and positions, simulates actions and prepares transactions for you to sign. It never holds keys.
lending-mcp.fathom.fiSecurity
Verified by Halborn.
Halborn verified that Fathom Lending's contracts match an audited, battle-tested lending codebase, and that the contracts deployed on XDC Network match the audited code.
Halborn · Formal Verification
Auditor
Halborn
Scope
Codebase and deployment verification
Engagement
10–12 March 2026
Report updated
25 March 2026
Findings
Critical
0
High
0
Medium
0
Low
0
Informational
6
All six informational findings were addressed: three solved and three acknowledged.
FAQ
Questions, answered.
Which assets can I use?
XDC and USDC are the prime markets. Both can be supplied, borrowed and used as collateral, and native XDC is wrapped for you. Every active market is listed above and in the app.
How are interest rates set?
Rates are variable and follow demand: the more of a market is borrowed, the higher both rates go. Suppliers earn the interest borrowers pay, minus a 10% share kept by the protocol.
What is the health factor?
A measure of how safe your loan is, based on your collateral and your debt. Above 1 you are safe. If it falls below 1, part of your position can be liquidated. The app shows how each action changes it.
Has Fathom been audited?
Yes. Halborn verified that Fathom's contracts match an audited, battle-tested lending codebase and that what is deployed on XDC Network matches the audited code, with no critical, high, medium or low findings. It is a verification review, not a full-scope audit. Read the report.
Can I use Fathom from my own tools?
Yes. The Lending MCP at lending-mcp.fathom.fi reads markets and positions, previews actions and prepares transactions that you sign in the app. It never holds keys.
I have an older position in FXD, DEX or staking. What should I do?
You can still manage it in the app. For updates, follow @Fathom_fi on X.
Start lending on XDC.
Connect a wallet, pick a market and start earning or borrowing in a few clicks.