Advcode Documentation
Everything you need to understand how Advcode unlocks liquidity from the Solana assets you already hold — and how on-chain behavior becomes a portable credit profile.
Overview
Advcode is a Solana-native credit and liquidity protocol built to help users unlock liquidity from the assets they already hold, without being forced to sell their positions too early. Instead of turning volatile crypto holdings into idle capital, Advcode allows users to use approved Solana-based assets such as memecoins, tokenized stocks, and other on-chain assets as collateral to access SOL liquidity quickly.
This gives borrowers the ability to stay exposed to market upside while still gaining usable capital for trading, investing, or managing short-term liquidity needs. The protocol connects borrowers who need flexible liquidity with lenders seeking real yield backed by active, crypto-native demand.
How it works
Borrowing on Advcode follows three simple steps. The protocol continuously monitors collateral value and your loan health throughout the lifecycle.
- 1
Deposit approved collateral
Connect your Solana wallet and deposit approved assets into a collateral vault.
- 2
Draw SOL liquidity
Borrow SOL up to your asset's max LTV. Your credit reputation can unlock better rates and higher limits.
- 3
Repay & build reputation
Repay anytime to reclaim collateral. Every on-time repayment strengthens your wallet's credit profile.
Supported assets
Advcode supports a curated set of approved Solana assets as collateral. Each asset has its own maximum loan-to-value (LTV) based on liquidity and volatility.
| Category | Examples | Typical Max LTV |
|---|---|---|
| Liquid staking tokens | JitoSOL, mSOL | 75% |
| Blue-chip SPL | SOL, USDC | 80–85% |
| Tokenized stocks | AAPLx, TSLAx | 60% |
| Memecoins | BONK, WIF | 40–45% |
Credit reputation
Beyond simple collateralized lending, Advcode introduces a wallet-based credit reputation system that turns on-chain behavior into a measurable credit profile. A user's repayment history, borrowing activity, loan size, wallet age, collateral quality, and liquidation behavior can all contribute to how their creditworthiness is evaluated over time.
This makes on-chain lending more adaptive and reputation-aware: borrowers who consistently manage positions responsibly earn better rates and higher limits, while the protocol stays transparent and predictable for lenders.
Scoring factors
Your credit score is computed from on-chain signals. Each factor is weighted differently and updates automatically as you interact with the protocol.
On-time repayments and absence of defaults are the strongest positive signals.
Avoiding forced liquidations demonstrates responsible position management.
Volume and frequency of successfully closed loans over time.
Larger responsibly-managed loans signal higher creditworthiness.
Blue-chip and liquid staking tokens score higher than volatile memecoins.
Older wallets with consistent on-chain history are weighted more favorably.
Tiers & benefits
Conservative LTV limits and standard borrow rates.
Standard terms with access to most markets.
Reduced borrow rates and higher borrowing limits.
Best rates, highest max LTV, and priority vault access.
Lending vaults
Lenders supply SOL into automated lending vaults that match borrower demand. Yield is generated from active, crypto-native borrowing rather than token emissions, producing real returns that scale with protocol usage. Vaults are segmented by risk profile so lenders can choose their exposure.
Risk & liquidation
With automated lending vaults, collateral monitoring, risk controls, and liquidation logic, Advcode aims to create a more transparent and efficient credit layer for Solana. Each loan tracks a health factor derived from collateral value and outstanding debt.
If a position's health factor falls below the liquidation threshold, a portion of the collateral is liquidated to restore solvency. Dynamic LTV limits and transparent liquidation rules keep the protocol predictable for both borrowers and lenders.
Oracles
Advcode uses Pyth and Switchboard price feeds to value collateral in real time. Multiple feeds and sanity checks reduce the risk of manipulation and ensure liquidations trigger on accurate market prices.
Security & audits
Advcode programs are non-custodial and built with the Anchor framework. On-chain programs are open and verifiable, and the protocol undergoes third-party security audits. Users always retain control of their keys and collateral.
SDK quickstart
Integrate Advcode lending, credit scoring, and liquidation primitives into your own Solana app with a fully-typed TypeScript SDK.
npm install @advcode/sdk
# or
pnpm add @advcode/sdkimport { Advcode } from '@advcode/sdk'
const advcode = new Advcode({
cluster: 'mainnet',
wallet: connectedWallet,
})
// Deposit collateral and borrow SOL
await advcode.deposit({ asset: 'JitoSOL', amount: 25 })
const loan = await advcode.borrow({
collateral: 'JitoSOL',
borrow: 'SOL',
amount: 18.0,
})
console.log('Health factor:', loan.healthFactor)
console.log('Credit score:', loan.creditScore)On-chain programs
Read a wallet's credit score and act on it directly from on-chain or client code.
const score = await advcode.getCreditScore(walletAddress)
console.log(score.value) // 812
console.log(score.tier) // 'Platinum'
console.log(score.maxLtv) // 0.85Ready to unlock liquidity?
Connect your wallet, deposit collateral, and draw SOL in seconds.