About Us
The Universal Money Market
for All Networks
Layerbank is a next-generation decentralized lending and borrowing protocol built to operate seamlessly across every major blockchain network — empowering users to put their assets to work anywhere.
Our Mission
We believe decentralized finance should be universal — accessible on every chain, for every user.
Borderless Liquidity
Layerbank eliminates the fragmentation of DeFi by providing a unified money market layer that spans multiple networks simultaneously. Users no longer need to choose between chains — they can supply, borrow, and earn across all of them from a single interface.
Trustless & Transparent
Every action on Layerbank is governed by audited smart contracts. No custodians, no intermediaries — just code. Our protocol parameters are publicly visible on-chain, and all interest rate models are fully transparent and community-governed.
Capital Efficiency
Layerbank introduces innovative mechanisms like E-Mode (efficiency mode) that allow users to unlock maximum borrowing power when working with correlated assets, ensuring your capital is never sitting idle when it could be earning.
Community First
Built with the community at its core, Layerbank distributes protocol rewards through the L.Points system and LAB token incentives. Active participants shape the protocol's future through governance and earn meaningful rewards for their contributions.
Protocol at a Glance
Key metrics that reflect the health and growth of Layerbank.
Core Features
Everything you need to manage your DeFi position across chains.
Supply & Earn
Deposit your assets into Layerbank liquidity pools and earn competitive supply APR automatically. Rewards accrue every block.
Borrow with Collateral
Use your deposited assets as collateral to borrow other tokens. Layerbank offers flexible LTV ratios and transparent liquidation thresholds.
L.Points Rewards
Earn Layerbank L.Points for every action you take in the protocol. Points convert to real token rewards and boost your position in the community ranking.
E-Mode Efficiency
Activate efficiency mode to maximize your borrowing power when working with correlated asset pairs, such as ETH and liquid staking tokens.
Real-Time Analytics
Monitor your supply, borrow, and reward positions with live on-chain data. Layerbank's dashboard updates in real-time so you always know your health factor.
Multi-Network Swap & Bridge
Move assets between supported chains directly within the Layerbank interface. Integrated swap and bridge features remove the need for external tools.
Supported Networks
Layerbank operates across a growing list of EVM and Move-based blockchain networks.
ConsenSys zkEVM Layer 2, offering low fees and Ethereum security. Layerbank's primary network with the deepest liquidity.
Bitcoin-native smart contract layer. Layerbank brings DeFi lending to the Bitcoin ecosystem with RBTC collateral support.
Modular EVM-compatible Layer 2 optimized for ZK applications and privacy-focused DeFi users.
Move-based blockchain bringing MoveVM performance to Ethereum. Layerbank supports both EVM and MOVE wallets on this chain.
EVM-equivalent zkRollup providing developers with a familiar Ethereum experience at scale.
Based rollup with a unique contestable ZK proof system, bringing Ethereum-equivalent execution to Layer 2.
Real-world asset-focused blockchain enabling tokenized assets to be used as collateral within Layerbank markets.
Emerging Layer 2 and Layer 1 networks where Layerbank continues to expand its universal money market presence.
Protocol & Security
Reliability and security are at the foundation of everything Layerbank builds.
Smart Contract Security
The Layerbank V2 contracts have undergone multiple independent security audits by leading blockchain security firms. Our codebase is open source and available on GitHub for public review.
- Multiple independent third-party audits completed
- Open-source contracts on GitHub
- Continuous monitoring and incident response plan
- Bug bounty program for responsible disclosure
Risk Management
Layerbank employs a rigorous asset listing process with conservative initial parameters, protecting users from excessive risk exposure. Core and Isolated markets are clearly separated to contain risk.
- Core markets for high-quality, liquid assets
- Isolated markets with separate risk parameters
- On-chain price feeds via trusted oracle networks
- Automated liquidation mechanisms to protect lenders
Governance & Token
The LAB token powers governance within the Layerbank ecosystem. LAB holders can propose and vote on protocol upgrades, new asset listings, and risk parameter adjustments.
- LAB token for protocol governance
- L.Points loyalty and reward system
- Transparent on-chain voting
- Community treasury managed by governance
Roadmap & Vision
Layerbank is continuously expanding its network coverage and feature set. Our goal is to become the default money market layer for every chain — the infrastructure layer for all of decentralized lending.
- Expanding to 20+ networks by end of 2025
- Cross-chain collateral bridging
- Institutional lending products
- Mobile-first interface improvements
Start Using Layerbank Today
Supply assets, borrow against your collateral, and earn rewards across the most innovative blockchain networks — all from one protocol.