> For the complete documentation index, see [llms.txt](https://docs.ethosis.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ethosis.org/resources/faq.md). # Common questions ## About the protocol **Is Ethosis running today?** It is. Ethosis is deployed on Robinhood Chain (chain ID 4663), and the platform is at [ethosis.org/platform](https://ethosis.org/platform). **Does Ethosis have a token?** It does. $ETHOSIS is deployed on Robinhood Chain at `0xe33ab021662e23f745be8e5b237babe8c7ad626c`, with a fixed supply of 1 billion and no mint function. The token has no bearing on how the protocol makes money: income comes from explicit fees, and rates are never propped up with emissions. **Is this a lending pool?** No. Ethosis is a peer-to-peer market for loans at a fixed rate and fixed term, and every lender's slice is isolated from every other. Lender capital that has not been matched can optionally sit in a Morpho vault, but that vault belongs to Morpho; it is not an Ethosis pool. **Who can use it?** Professional lenders on one side, and on the other verified businesses plus professional or high-net-worth borrowers, all in eligible jurisdictions. Retail access is opened one jurisdiction at a time, where the rules allow it. **Are US persons eligible?** Yes. What decides eligibility is verification rather than location: pass the identity and suitability checks and an attestation is issued to your wallet. ## Borrowing **Which assets count as collateral?** Robinhood Stock Tokens in tiers A and B today, with tiers assigned by liquidity. Long-tail tokens, tokenized treasuries and fund shares are next on the roadmap. See [Collateral tiers](/assets/collateral-tiers.md). **What currency is the loan in?** USDG, the Paxos Global Dollar. **Who decides the rate?** You set a maximum, lenders quote what they will accept, and the contract originates whatever overlaps. Once set, the rate does not change for the term. **Is early repayment allowed?** Yes, at any point once the 3-day minimum interest period has passed. **What are my options when the loan matures?** Repay it, refinance it through a rate auction, or let it default into a liquidation auction. See [Maturity and refinancing](/protocol/maturity-and-refinancing.md). **Does anything change at the weekend?** Yes. With equity markets closed, a closed-market haircut reduces your effective liquidation LTV and the auction floor is bounded. Look at your closed-market health factor before the Friday close. ## Lending **Does making an offer cost gas?** No. An offer is a signed message. Gas is paid by the borrower at origination, or sponsored through account abstraction. **Can I end up with a loss?** On your own slices, yes, if a liquidation auction clears for less than your claim. Another lender's loan can never cost you anything. **What is a slice token?** An ERC-721 that represents your slice of a loan. You can transfer it to any other eligible address. **What does the protocol take from me?** 10% of the interest you earn, deducted from your payout. Principal is never touched. ## Risk **What happens if the oracle misreports?** `PriceGate` rejects zero prices, stale prices, oversized moves and paused feeds, and checks Data Feeds against Data Streams. It always prices the exact token held in escrow, never a wrapper. See [Oracles and market sessions](/risk/oracles.md). **And if the sequencer stops?** Liquidations are suspended for a grace period once it comes back, and every function stays reachable through the L1 delayed inbox. See [Sequencer and chain risk](/risk/sequencer-and-chain.md). **Could Robinhood freeze the collateral?** Before each market opened, the deployed Stock Token bytecode was checked for pause, freeze, blacklist and forced-transfer roles, and the finding is published on the risk page beside that market. Where such a role exists, it is reflected in the tier's LTV and exposure cap. See [Issuer risk](/risk/issuer.md). ## Building on Ethosis **Can I operate my own relayer or indexer?** Yes. Both are open source and need no permission from anyone. The order book can be rebuilt from signed messages and loan state from chain events. **Can I operate a keeper?** Yes. See [For keepers and liquidators](/guides/keepers.md). **Where do I find the contract addresses?** In `contracts/deployments/4663.json` in the repository. The same addresses appear in the platform's protocol parameters and on the explorer. See [Deployment](/architecture/deployment.md). --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.ethosis.org/resources/faq.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. 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