Overview
Atomic's lending side is a single USDC.e pool that backs the leveraged portion of every trader's position. Lenders earn yield from two sources: fees generated when the pool's capital is routed through DEX aggregators, and a share of the 20 bps round-trip protocol fee paid by traders.
USDC.e. That's it. No token receipts, no LP NFT to manage, no claim transactions. The deposit balance accrues yield in real time.
How to deposit
- Visit app.atomic.green and connect your wallet on Arbitrum.
- Open the Lending tab.
- Approve USDC.e spend (one-time per wallet).
- Enter the deposit amount and confirm the transaction.
The pool balance updates the moment the transaction confirms. Yield begins accruing in the same block.
What you earn
Lenders collectively receive 25% of all platform revenue. The pool's instantaneous APY is shown live on the lending dashboard and is computed as:
APY ≈ (lender share of 24h fees + lender share of 24h pool fees) / pool TVL × 365
Current APY ranges 10–40% depending on trading volume. Higher trader activity → higher fee throughput → higher yield. The rate floats; it is not promised or smoothed.
There are no token rewards subsidising the rate. Every basis point of APY is a basis point a real trader paid. If trading slows, the rate compresses; if it picks up, the rate climbs.
How to withdraw
- Open the Lending tab.
- Enter the amount to withdraw.
- Sign the transaction.
Funds settle to your wallet in the same block, subject to available idle capital in the pool. During periods of high utilization (most pool capital is on loan to active positions), withdrawals queue until borrowed capital returns.
There is no lockup, no notice period, and no withdrawal fee.
See Withdraw for the queueing behavior in detail.
Who lends on Atomic
The pool is permissionless - any wallet can deposit. In practice, depositors fall into a few groups:
- Yield-seekers rotating between USDC.e venues (Aave, Compound, Curve, Atomic).
- Treasury managers placing idle stablecoins from DAOs, protocols, market makers.
- Active traders parking idle margin between trades to avoid leaving USDC.e unused.
There is no minimum deposit and no whitelist.
What can go wrong
Two real risks. Both are explained in detail on Risk model:
- Smart contract risk. A bug in the pool or trading contracts could affect deposits. Mitigation: Halborn audit (V2 live, V3 in Q2 2026), bug bounty, 99%+ uptime since 2022, no critical incidents to date.
- Liquidity risk. During high utilization, withdrawals delay until positions close and capital returns. The pool is solvent but may be temporarily fully deployed.
Lender capital is not at direct risk from individual losing trades - that's what the 88% liquidation threshold is for. Positions are closed before they can drain the borrowed capital.
Smart contract risk is non-zero on any DeFi product. Size your deposit accordingly.