Stellar Community Fund

XCCY

SCF #43

Description

XCCY: Layer on top of a Lending with fix deposit and loan rates. TL;DR Institutional-grade protocol for fixed-rate borrowing and lending. We enable users to lock deposit yields and loan costs, hedging variable rate volatility using interest rate swaps (IRS). Simplified UX for DeFi natives and TradFi entrants.Key Alpha:Performance: Up to 2x capital efficiency vs. P2P fixed-rate models; eliminates liquidation risk from rate spikes; Projected 15-20% higher net yield for lenders in volatile markets compared to Aave.Execution: Up to 1000x leverage.Moat: first pool-based protocol offering fixed deposit and loan rates via on-chain interest rate swaps (IRS), eliminating matching friction Scale: live on Polygon & Arbitrum mainnet (Since Jan 2026);