Wildcat Protocol

Wildcat Protocol supports crypto credit arrangements on Ethereum, with configurable borrower and lender markets and fixed interest rates.

wildcat.finance
Wildcat Protocol homepage screenshot

About Wildcat Protocol

Wildcat Protocol is an Ethereum protocol for crypto credit arrangements between borrowers and lenders. Borrowers can build lending markets and set their own terms, including interest rates, lockup periods, withdrawal cycles, and reserve ratios. They can also create custom lender access lists or compliance policies, and decide whether an off-chain legal agreement backs the relationship. Lenders can self-onboard to public markets through on-chain checks, and they lend directly to a specific borrower.

The homepage states that Wildcat does not underwrite or interfere with a market once it is deployed. The app must be launched from the desktop version, according to the homepage. Optional collateral contracts are listed as coming soon, so they should not be treated as currently available. Debt tokens can be transferred only if the borrower enables transferability.

Key features

  • Undercollateralised credit lines between borrowers and lenders
  • Configurable interest rates, lockup periods, withdrawal cycles, and reserve ratios
  • Custom lender access lists or compliance policies
  • Optional off-chain legal agreements backing each lender-borrower relationship
  • Fixed-duration markets that convert to open term after maturity
  • Segregated markets with no cross-exposure to other borrowers
Best for: Borrowers and lenders who want to set up or join undercollateralised crypto credit markets on Ethereum with customised terms.
Good for
  • Each lender lends directly to a specific borrower, with no cross-exposure to other borrowers.
  • Lenders can self-onboard to public markets through on-chain checks.
  • Borrowers can set market parameters and access rules to fit their needs.
Watch out for
  • The app must be launched from the desktop version.
  • Optional collateral contracts are listed as coming soon.
  • Wildcat does not underwrite or interfere with a market once it is deployed.

Wildcat Protocol at a glance

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

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Wildcat Protocol FAQ

Which device is needed to launch the Wildcat app?
The homepage says to use the desktop version to launch the Wildcat app.
How do lenders join a market?
Lenders can access public markets through on-chain checks. For markets that require approval, the homepage says contact details are available.
Are collateral contracts available now?
Optional collateral contracts are listed under Coming Soon on the homepage, so they are not presented as currently available.
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