Overcollateralized loans are capital inefficient
Most borrowers use a low LTV (around 20%) to sleep well - meaning most of their capital sits idle.
Hobba changes that.
The @solana Cypherpunk Hackathon product directory is live!
Cypherpunk was the largest crypto hackathon ever & one of the largest in tech history with 1,567 submissions.
Winners + Colosseum accelerator founders will be announced at Breakpoint. Onward.
arena.colosseum.org/projects/exploβ¦
Second place at Demo Day at Buildstation Belgrade: @hobba_io π₯
Imagine @toly wants to buy a gently used 2001 Honda Civic like ours. Instead of selling his assets to buy the car, he deposits some as collateral, borrows the needed amount, and lets the loan repay itself
Buy, Borrow, Die.
Larry Ellison has never paid taxes on his $200B Oracle fortune.
β’ Never sells (no capital gains)
β’ Borrows against shares (tax-free loans)
β’ Dies (heirs get step-up basis)
When tokenized stocks integrate with DeFi, this billionaire strategy becomes
Always protected
If markets move, our off-chain engine rebalances positions instantly - keeping your loan within safe LTV thresholds.
When collateral appreciates in $ value, Hobba borrows even more and puts this extra capital to earn more yield, repaying the original users
Active collateral
Your collateral doesnβt just sit idle.
Hobba dynamically deploys it into safe, yield-bearing opportunities - while our risk engine monitors positions block-by-block to keep you safe.
Aggregated borrowing
Hobba aggregates the lowest possible borrow rates across Solana - using only battle-tested protocols like Kamino, MarginFi, Jupiter.
You always borrow at the most efficient rate available.
When yield > borrow cost, the difference or delta - automatically reduces your debt.
Thatβs how Hobba achieves self-repaying loans and guarantees the best borrow rate in the market.