Overview
Atomic runs a separate lending pool per supported asset. Each pool finances the borrowed portion of leveraged positions that need that asset on either side of the trade. Lenders earn from two streams: aggregator fees on the swaps the pool's capital backs, and a share of the 20 bps round-trip fee traders pay.
Whichever supported asset you want to lend. No token receipts, no LP NFT to manage, no claim transactions - your deposit accrues yield in place.
Supported assets
You can deposit any of:
| Asset | Yield paid in |
|---|---|
| USDC.e | USDC.e |
| WETH | WETH |
| WBTC | WBTC |
| ARB | ARB |
| GMX | GMX |
| LINK | LINK |
| UNI | UNI |
Each pool is independent. Yield is paid in the asset you deposited. Utilisation and APY are tracked per pool.
How to deposit
- Open app.atomic.green and connect your wallet on Arbitrum.
- Go to the Lending tab.
- Pick the asset you want to lend.
- Approve the token spend (one-time per asset per wallet).
- Enter an amount and confirm the transaction.
The pool balance updates as soon as the transaction confirms, and yield starts accruing in the same block.
What you earn
The APY on each pool is shown live on the lending dashboard. The number is calculated bottom-up from real fees:
Pool APY ≈ (lender share of 24h fees on that pool) / pool TVL × 365
Across all pools, lenders together receive 25% of platform revenue. Per-pool APY depends on demand for that specific asset from leveraged traders - heavily traded pairs that need a given asset push that pool's rate up.
There are no token rewards subsidising any of the rates. Every basis point of APY is a basis point a real trader paid. When activity in a pair drops, the relevant pool's rate drops with it.
How to withdraw
- Open the Lending tab and pick the pool you deposited into.
- Enter the amount.
- Sign.
Funds settle in the same block when the pool has idle capital. During high utilisation, when most of the pool is out on loan to live positions, withdrawals queue until borrowed capital comes back.
Each pool queues independently. No lockup, no notice period, no withdrawal fee. See Withdraw for the queue behaviour in detail.
Who lends on Atomic
The pools are permissionless. Anyone with a wallet can deposit. Typical lender groups:
- Yield-seekers rotating between Arbitrum venues.
- Treasuries placing idle assets - DAOs, protocols, market makers.
- Active traders parking idle balances between trades.
No minimum deposit, no whitelist.
What can go wrong
Two real risks, both covered in detail on Risk model:
- Smart contract risk. A bug in a pool or in the trading contracts could affect deposits. Mitigations: Halborn audit, bug bounty, 99%+ uptime since 2022, no critical incidents to date.
- Liquidity risk. During high pool utilisation, withdrawals queue until positions close and capital returns. Each pool is solvent in that state - just temporarily fully deployed.
Lender capital isn't directly exposed to individual losing trades. The 88% liquidation threshold closes positions before they can eat into the borrowed amount.
Smart contract risk is never zero on a DeFi product. Size each deposit with that in mind, and remember a longer-tail asset pool (ARB, GMX, LINK, UNI) carries its own asset-price exposure on top of the yield.