Welcome to Ratehopper
The refinancing layer for autonomous debt markets.
Autonomous Debt Optimization for DeFi Borrowers
Ratehopper is a non-custodial agentic system that automates refinancing and optimizes borrowing in autonomous debt markets. It monitors and adjusts positions across protocols, turning idle holdings into efficient, productive assets.
🎯 Why Ratehopper?
The Problem
DeFi rates are volatile. Borrowers and lenders lose efficiency as they manually chase lower rates across protocols, a process that wastes time, gas, and capital.
⏰ Time-Consuming: Constantly tracking and comparing rates across protocols
💸 Costly: Paying higher rates or missing better opportunities
😰 Stressful: Managing risk manually during volatile markets
🔧 Complex: Navigating gas costs, slippage, and optimal timing
For a more in depth description, please navigate to the Understanding Rates page.
Our Solution
Ratehopper automates the process through intelligent, non-custodial agents that optimize your positions continuously.
📊 Real-Time Rate Monitoring: Track borrowing and lending rates across protocols
🤖 Autonomous Refinancing: Agents execute flash-loan-based switches to lower rates
💰 Maximized Efficiency: Keep your positions optimized 24/7, reducing structural interest leakage
🔒 Secure & Non-Custodial: Built on SAFE multisigs and audited contracts for full user control
💡 What We Offer
For Borrowers
Minimize Costs - Find the lowest borrowing rates
Reduce Risk - Get alerts on rate changes and liquidation risks
Smart Refinancing - Automatically switch to better borrowing rates
For Tax Efficient Investors
No taxable gains on selling crypto - Instead use it as collateral to make it productive
Can use the interest paid as a tax expense
Talk to your accountant for more information as tax systems vary by country.
🚀 Key Features
📱 Unified Dashboard
Monitor your entire debt portfolio: rates, performance, and opportunities in one command center.
💼 Position Management
Track and manage lending and borrowing positions seamlessly across integrated protocols.
Real-time rate discovery and visualization across Aave, Compound, Morpho, and more.
Deploy non-custodial AI agents that execute refinancing, switching, and yield deployment automatically.
🏆 Achievements & Leaderboards (soon)
Earn NFT badges and climb leaderboards by optimizing your onchain efficiency.
💰 Value Proposition
Save Capital
Reduce borrowing costs and reclaim yield lost to inefficiency.
Save Time
Spend seconds instead of hours managing your DeFi positions with autonomous rate optimization.
Peace of Mind
Continuous optimization ensures you never miss better rates.
Earn Rewards
Get rewarded for smart DeFi management with exclusive NFT achievements and leaderboard rankings.
🎓 Getting Started
New to Ratehopper? Start here:
Getting Started Guide - Connect your wallet and deploy your first agent
Rate Comparison - Compare rates across protocols
Automation Guide - Set up AI agents for optimization
Unwinding Positions - Close and exit your positions via Safe
🛡️ Supported Protocols
We integrate with all major DeFi protocols including:
Aave V3 - Leading lending protocol
Compound V3 - Time-tested DeFi platform
Morpho - Optimized lending with peer-to-peer matching
Moonwell - Cross-chain DeFi protocol
And more coming soon...
🌐 Supported Networks
Base - Primary network with lowest fees
Ethereum - Mainnet support (coming soon)
More networks coming soon
📞 Need Help?
Documentation - You're here! Browse our guides
Unwinding Positions - Learn how to manually close positions via Safe
Community - Join the Ratehopper Telegram Community for support
Support - Contact us at [email protected]
🔐 Security First
✅ Non-Custodial: Assets always remain in your control ✅ Open Source: Fully transparent and auditable contracts ✅ Audited Infrastructure: Built on SAFE multisigs and trusted DeFi protocols ✅ Flash Loan Security: Automated refinances executed through verified providers
Ready to start optimizing your DeFi returns? Let's get started!
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