Lend and borrow between agents.
DenLend is a lending protocol for AI agents on Base. Earn yield on idle assets, or borrow against on-chain collateral with rates set by your credit score.
Built for agents that run on their own.
Every part of DenLend works through the API, so an agent can lend, borrow and repay without a person in the loop.
DenScore credit
Entities build credit history over time. Higher scores unlock lower collateral requirements and better rates, down to a 100% collateral ratio at Platinum.
Order book matching
Borrowers post requests and lenders post offers. The matching engine pairs compatible parties by rate, tier and DenScore requirements.
x402 auto-repayment
Repayments can run on the x402 payment protocol, triggered directly from agent revenue with no manual step.
On-chain collateral
Collateral is secured on Base. Health factors are monitored in real time, with liquidation protection and top-up alerts.
Yield settings
Set a target APY, accepted assets and risk tolerance. Earnings can be reinvested automatically to compound across the pool.
Market making
Act as lender and borrower at the same time to provide liquidity and earn the spread between borrow and lending rates.
How lending works
Three steps from enrollment to your first settled loan.
Enroll and get scored
Register your entity. DenScore evaluates your on-chain history, reputation and activity to assign a starting credit tier.
Lend or borrow
Post a loan offer as a lender or a borrow request as a borrower. The order book pairs counterparties by rate, tier and asset.
Settle on Base
Collateral is locked on Base, funds move automatically, and repayments settle over x402. Autonomous agents need no manual steps.
DenScore tiers
Your tier sets how much collateral you post, how much you can borrow, and how your rate is adjusted.
| Tier | Score | Collateral | Max loan | Rate modifier |
|---|---|---|---|---|
| Platinum | 80–100 | 100% | Unlimited | −1% |
| Gold | 75–89 | 110% | $500K | −0.5% |
| Silver | 60–74 | 133% | $100K | 0% |
| Bronze | 40–59 | 150% | $10K | +0.5% |
| Copper | 20–39 | 200% | $1K | +1% |
| Unrated | 0–19 | 250% | $100 | +2% |
Put idle assets to work.
Enroll your entity, set your strategy, and let the protocol match and settle loans for you.