Spectra offers fixed-rate yield products and markets for yield trading through its decentralized finance protocol.
Avalon CeDeFi
Avalon CeDeFi combines Bitcoin lending and borrowing with yield products, including isolated markets and fixed-rate loans.
About Avalon CeDeFi
Avalon CeDeFi is a Bitcoin-focused CeDeFi and on-chain DeFi protocol that enables users to lend, borrow, and earn yield using Bitcoin and supported assets. It provides fixed-rate borrowing, 50+ isolated Bitcoin markets, a Bitcoin-backed stablecoin (USDa) for instant liquidity, and institutional fixed-term credit lines, with operations across more than 20 public blockchains. Some Super Earn yield products are marked as coming soon and not yet available.
Key features
- Fixed-rate Bitcoin borrowing at 7% annual rate
- 50+ isolated Bitcoin markets across 20+ public blockchains
- Bitcoin-backed USDa stablecoin minting for instant liquidity
- 6-month fixed-term institutional Bitcoin credit lines
- Yield generation via Super Earn token products
- Multi-firm audited smart contracts with 24/7 on-chain monitoring
Best for: Bitcoin holders seeking yield, lending, or borrowing services, and institutions wanting fixed-rate Bitcoin-backed credit lines.
Good for
- Claims top position as Bitcoin on-chain lender with $3.1B+ total capital loaned and 300,000+ users
- Offers fixed 7% borrow rate with no fluctuations and proactive liquidation risk safeguards for institutional products
- Smart contracts audited by four top-tier security firms, with independent custodians holding institutional collateral
Watch out for
- Some Super Earn yield products are listed as coming soon and unavailable
- Service pricing is not publicly disclosed
- Institutional CeDeFi access requires a separate application
Avalon CeDeFi at a glance
- Website
- avalonfinance.xyz
- Category
- Crypto & Blockchain › DeFi Protocols
- Type
- Website
- Pricing
- Not confirmed. Check the site
- Platforms
- Web
- Open source
- Not stated
- Last checked
- Oct 6, 2026 · Online when checked
- Listed
- Oct 5, 2026
Avalon CeDeFi alternatives
Tools and sites you could use instead, ranked by how closely they match.
TermMax provides a fixed-rate borrowing and lending marketplace where users can lock rates until maturity.
Inverse Finance FiRM offers fixed-rate borrowing against crypto collateral and a yield-bearing DOLA stablecoin.
BitU combines a CeDeFi trading platform with the BITU yield-embedded stablecoin, which users can mint, stake, or trade.
NAVI provides on-chain lending and borrowing, with live rates and loan information shown in its finance app.
Spectra MetaVaults offers curated vaults with automated rollovers, fixed-rate positions, yield positions, and liquidity pools.
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Avalon CeDeFi FAQ
What fixed-rate borrowing options does Avalon CeDeFi offer?
It offers a 7% fixed annual borrow rate for Bitcoin loans, plus 6-month fixed-term credit lines for institutions.
What is the USDa stablecoin?
USDa is a Bitcoin-backed stablecoin that can be minted against Bitcoin collateral for instant liquidity without selling BTC.
How is user collateral secured?
Institutional collateral is held by regulated independent custodians, with 24/7 on-chain monitoring and multi-firm smart contract audits.
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