Overview

NuroFi is a permissionless cross-chain lending protocol powered by LayerZero, purpose-built for yield-bearing assets on Circle's Arc ecosystem. NuroFi enables users to collateralize USYC (US Yield Coin), continue earning yield on their collateral, and borrow USDC or EURC across multiple chains without closing their position.

Unlike traditional DeFi lending protocols where collateral stops generating returns once deposited, NuroFi introduces yield-bearing collateral lending, allowing users to maintain their USYC yield exposure while unlocking liquidity through stablecoin borrowing. This creates a new DeFi primitive where earning yield and accessing credit are unified into a single capital-efficient workflow.

By combining Arc as the central liquidity hub with LayerZero's omnichain messaging, NuroFi transforms yield-bearing assets into fully composable, cross-chain financial building blocks.

Why Arc Is NuroFi's Home Chain

Built Where USDC, EURC, and USYC Already Live

Arc is Circle's Layer 1 blockchain, purpose-built for USDC and stablecoin infrastructure. NuroFi is deployed on Arc to directly integrate with an ecosystem designed for native stablecoin liquidity, making yield-bearing assets like USYC first-class collateral on-chain.

Arc as the Central Liquidity Hub

NuroFi uses Arc as the central liquidity hub for all stablecoin movements. Instead of fragmenting liquidity across multiple chains, Arc serves as the settlement layer where USDC and EURC are sourced, routed, and settled efficiently. When users lend USYC on Arc and borrow stablecoins on another chain, Arc ensures liquidity flows seamlessly without requiring manual bridging or multiple transactions.

Designed for Cross-Chain Capital Efficiency

NuroFi's core innovation, yield-bearing collateral lending, requires seamless stablecoin routing across chains. Arc's role as a liquidity hub enables this without fragmenting liquidity or sacrificing user experience.

Secure Settlement for Yield-Bearing Assets

USYC represents tokenized yield-bearing value backed by US Treasury bills and government-backed securities. Arc's infrastructure provides the settlement assurances needed for lending protocols handling yield-bearing collateral at scale, with native USDC and EURC integration for efficient borrowing and repayment.

Why USYC as Collateral

Yield That Never Stops

USYC yield accrues automatically through a rising token price. Unlike traditional collateral that sits idle, USYC deposited in NuroFi continues earning approximately 3.24% net yield while backing your loan. No staking, no claiming, no operational complexity.

Institutional-Grade Backing

USYC is backed by the Hashnote International Short Duration Yield Fund Ltd., investing in Treasury bills and reverse repos backed by short-term US Government-backed securities. Regulated by the Bermuda Monetary Authority, USYC provides institutional-grade security for your collateral.

Programmable and Transparent

USYC enables automated transactions through smart contracts, and all activity is visible onchain for real-time tracking and verification. This transparency integrates seamlessly with NuroFi's lending logic.

Seamless Stablecoin Integration

USYC connects directly with USDC and EURC through Circle's infrastructure, making it simple to move between yield-bearing collateral and borrowed stablecoins. This native integration is why NuroFi chose USYC as its primary collateral asset.

Borrow USDC or EURC

USDC: The Leading Digital Dollar

USDC is the leading digital dollar stablecoin, fully backed and always redeemable 1:1 for US dollars. With native support on Arc and availability across multiple chains, USDC provides users with stable, dollar-denominated liquidity for any use case.

EURC: The Leading Digital Euro

EURC is Circle's MiCA-compliant euro stablecoin, backed 100% by euro reserves held at regulated financial institutions in the EEA. EURC enables NuroFi users to borrow euro-denominated stablecoins, opening access to euro liquidity for European users or those seeking euro exposure.

Multi-Currency Flexibility

NuroFi gives users the choice to borrow in USDC or EURC based on their needs. Whether you need dollar liquidity for trading, euro liquidity for payments, or access to FX markets, NuroFi provides both options from a single USYC collateral position.

What NuroFi Unlocks for the Arc Ecosystem

From Idle Yield to Productive Capital

NuroFi turns yield-bearing assets from passive holdings into active financial instruments. Users can borrow against USYC while still earning yield, enabling leverage and liquidity access without sacrificing long-term yield exposure.

A New Lending Primitive: Earn While Borrowing

NuroFi introduces a lending model where collateral continues generating yield while locked. This expands Arc's DeFi design space beyond conventional overcollateralized lending where collateral sits idle.

Omnichain Liquidity, Arc as the Hub

Through LayerZero, NuroFi enables borrowing on multiple chains while keeping Arc as the central liquidity hub and settlement layer. Users lend USYC on Arc, borrow USDC or EURC on Base or other supported chains. All liquidity flows through Arc, positioning it as the cross-chain yield and lending hub for the ecosystem.

Institutional-Ready DeFi Foundations

With yield-bearing collateral backed by US Treasuries, predictable USYC behavior, and flexible cross-chain access in multiple currencies, NuroFi provides the base layer for institutional DeFi use cases on Arc, fully permissionless and non-custodial.