Ethereum Fees
Calculate fixed interest, the protocol share, lender return, and Ethereum gas costs.
Borrower Costs
You pay no borrower activation fee or fixed minimum fee. You receive the full WETH principal and repay the principal plus the agreed interest. Keep ETH for network gas.
- Borrower proceeds = full principal.
- Total repayment = principal + fixed interest.
- Native ETH gas is separate from the WETH principal and interest.
APY and Fixed Interest
You can borrow or lend at 50%, 100%, or 200% APY, depending on the collection. You agree to a fixed interest amount for the chosen duration when the loan starts.
APY is an annual rate before the protocol's share of interest. For a shorter loan, use the formula below to calculate the interest for its term. Enter APY as a decimal, such as 0.50 for 50%.
- Fixed interest = principal × [(1 + APY)^(term days ÷ 365) − 1].
- You owe the full fixed interest even if you repay early.
Example: 1 WETH for 30 Days at 50% APY
You borrow 1 WETH for 30 days at 50% APY. You receive 1 WETH and owe about 0.033887 WETH in fixed interest, so you repay about 1.033887 WETH.
If you fund that loan, you receive about 0.028804 WETH in interest after Liquidium's 0.005083 WETH share. Your total return is about 1.028804 WETH, including principal.
These figures round to six decimal places and exclude gas. Check the exact amounts before signing. APY does not guarantee your return: defaults, idle funds, and gas can reduce what you earn.
Ethereum Gas
Keep ETH in the connected wallet for Ethereum mainnet gas. NFT approvals, token approvals, wrapping, unwrapping, loan activation, repayment, offer cancellation, and collateral claims can require on-chain transactions.
- Your wallet shows the network and gas estimate before confirmation.
- Gas changes with Ethereum network demand and does not count toward principal or interest.