Spine Finance

If you manage crypto cash flows, start by locking in certainty. With Spine Finance, you pick a term, see a quoted fixed yield or borrowing rate, and execute on-chain in a few clicks across Ethereum and other EVM networks. Connect your wallet, choose an asset and a maturity date, review the quoted rate from the BondMM term AMM, and confirm. Your deposit mints a tokenized position that settles at maturity; you can hold to term for the stated return or exit early by trading back into the pool for real-time pricing. Track positions in one place, ladder maturities for predictable roll-offs, and auto-roll expiring notes into new terms to keep your strategy running without constant supervision.

Borrowers use Spine to convert floating exposure into a known payment schedule. Start by selecting collateral, a loan asset, and a target maturity. The app shows your fixed rate, maximum borrow size based on collateral, and projected costs through maturity. Confirm to open the position; the system sources liquidity from underlying money markets (e.g., Morpho, Aave, Venus, Compound, Euler) via BondMM so you immediately lock the rate. Manage health factors, set alerts for collateralization thresholds, and repay anytime by buying back your debt in the pool or closing at maturity. If you already use variable-rate lending, you can hedge by opening an offsetting fixed-term position and keep your monthly expense predictable. more