Discover RainFi, a decentralized lending protocol on Solana. Use NFTs as collateral to borrow or lend digital assets and earn interest effortlessly.
About Rain.fi
RainFi is a peer-to-peer credit marketplace on Solana that lets users borrow or lend against tokens and NFTs with time-based loans. Borrowers open a loan for a fixed duration and repay principal plus interest by the due date. If a borrower does not repay on time, RainFi liquidates the collateral to repay the debt—there are no price-based liquidations tied to market candles or oracle triggers. This design makes RainFi useful for traders who want term loans (including a “borrow-to-swap” flow), NFT collectors who prefer buy-now-pay-later (BNPL) style purchases, and lenders who want to create customized lending pools with their own parameters.
Borrowers can pledge tokens or approved NFT collections as collateral and borrow tokens/NFTs from matching pools. Lenders choose how much liquidity to supply and configure pool parameters such as maximum loan-to-value (LTV) and exposure, defining how much any single borrower or asset can utilize from a given pool. Loan management tools—including extend, repay, market-sell, and calendar reminders—are built into the dashboard so users can track obligations and take timely actions.
RainFi also offers Margin Swap, a borrow-to-swap workflow that lets traders acquire an asset with leverage using a RainFi loan behind the scenes—no upfront deposit required for the swap flow. For ecosystem participants, RainFi includes features like “Liquid” staking for JUP (stJUP) that can be used as collateral, and white-label integration for partners.
RainFi Features
Below is a concise overview to help you scan what RainFi provides before diving deeper.
Swap
Direct token-to-token trades with DEX routing and slippage control.
Secure and non‑custodial
This tool never accesses private keys—transactions are signed through your wallet.
What makes RainFi special?
Here’s what distinguishes RainFi in the Solana credit stack—focused on facts you can verify.
No price-based liquidation model. Many lending protocols liquidate based on oracle thresholds. RainFi ties liquidation to time, not price. That’s attractive if you want predictable term financing without watching every dip; it’s also clearer for lenders, who price duration-based risk up front.
Multi-asset coverage (tokens and NFTs). RainFi supports borrowing with token collateral and dedicated flows for NFTs (including BNPL). That breadth is helpful if you operate across fungible and non-fungible assets on Solana.
Configurable, pool-based credit supply. Lenders can set interest rates, LTV bands, and exposure caps—either quickly via Lite or with granular control via Pro. This lets liquidity providers express risk preferences instead of accepting a single global model.
Borrow-to-swap built in. Margin Swap integrates credit with trading, enabling leveraged entries from a simple swap interface while still using RainFi’s time-based loans under the hood.
Ecosystem integrations. RainFi includes asset-specific features like stJUP via the Liquid section and supports white-label integrations for partners who want to embed credit flows and share in fees.
Pricing
Discover the pricing options available for Rain.fi
Free
While using RainFi is generally free, there may be fees associated with certain transactions, such as borrowing or lending.
These fees are typically used to incentivize liquidity providers and maintain the stability of the protocol.
It's important to review the specific terms and conditions on the RainFi platform to understand any potential costs or fees associated with your desired actions.
How to get started
You can begin in minutes. These steps outline the main paths for borrowers and lenders.
1
Connect a Solana wallet
2 minutes
Easy
Open the RainFi app and connect your wallet to access borrowing, trading, or pool creation features. (A connected wallet is required to view personalized dashboards and confirm transactions.)
2
Choose your flow—Borrow, Margin Swap, or Earn
2 minutes
Easy
Borrow → Token to take a term loan against token collateral.
Borrow → NFTs to finance an NFT or use BNPL.
Trade → Margin Swap to borrow and swap in one step.
Earn → Create Pool if you want to supply liquidity and set terms.
3
Review terms and confirm
2 minutes
Easy
For borrowing, select a pool, set amount and duration, and check APR and fees. Confirm the transactions in your wallet. For Margin Swap, pick the pair, set size and duration, then execute.
4
Manage your loan
2 minutes
Easy
Track the loan on the Dashboard. If you need more time, use Extend before the due date. You can also Repay any time or Market Sell supported collateral to close out. Consider adding the due date to your calendar.
5
For lenders—create or fund a pool
2 minutes
Easy
Use Lite for a quick setup or Pro for granular controls. Set interest, LTV, and exposure, then deposit liquidity. Monitor utilization and adjust settings as needed.
Pro Tips
Tip 1
Use “Add to calendar.” Set a reminder for your due date so you can repay or extend in time and avoid collateral sale.
Tip 2
If trading, learn Margin Swap flow first. Understand that a swap opened with a RainFi loan still requires timely repayment or extension.
Frequently Asked Questions
Get answers to the most common questions about this tool
What is Rain.fi?
RainFi is a decentralized finance (DeFi) platform on the Solana blockchain that offers instant crypto and NFT loans, enabling users to leverage their assets for liquidity.
How does Rain.fi work?
Users can deposit tokens or NFTs as collateral to obtain loans. The platform also offers a Buy Now Pay Later feature, allowing users to acquire NFTs by paying a portion of the price upfront and the remainder over time.
What types of collateral does Rain.fi accept?
RainFi accepts both tokens and NFTs as collateral for loans, providing flexibility for users to leverage various asset types.
How do liquidations work on RainFi?
Liquidations are time-based. If a borrower does not repay or extend by the due date, RainFi liquidates the collateral to repay the loan. There are no price-based liquidation triggers.
Can I extend a loan if I need more time?
Yes. Use Extend from the Active Loans section before the due date to push the maturity forward (subject to terms shown in-app).
What assets does RainFi support?
RainFi supports token-collateralized and NFT-collateralized loans. Availability depends on supported tokens/pools and approved NFT collections visible in the app’s Borrow sections.
How are interest rates set?
Rates are pool-defined by lenders. When creating pools (Lite/Pro), liquidity providers set interest and other parameters; borrowers see those terms when selecting a pool.
