> For the complete documentation index, see [llms.txt](https://docs.ratehopper.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ratehopper.ai/introduction/readme.md).

# Welcome to Ratehopper

## **Self-Repaying Loans, Run by AI Agents**

Ratehopper is a non-custodial AI agent protocol for **self-repaying loans**. You borrow against crypto you already hold; an agent puts the borrowed capital to work and uses what it earns to pay the loan down for you. Everything runs on Base, and your funds never leave your own wallet.

[**Watch a live agent doing it right now →**](https://ratehopper.ai/showcase) - a real position, real repayments, every figure verifiable on-chain.

***

## 🔁 How a self-repaying loan works

1. **You supply collateral** - crypto you already hold, which keeps its upside
2. **The agent borrows against it** at the best rate it can find
3. **It puts the borrowed capital into a liquidity position**, which earns trading fees
4. **It harvests those fees and pays them onto your debt**

Steps 3 and 4 repeat on their own, 24/7. The loan shrinks without you funding it.

> **The point:** you get liquidity from your crypto without selling it, and the position works to clear its own debt instead of quietly accruing interest.

***

## 🎯 Why Ratehopper?

### The problem

Borrowing in DeFi is a job. Rates move constantly, positions drift out of range, and interest accrues whether or not you're paying attention.

* ⏰ **Time-consuming:** constantly tracking and comparing rates across protocols
* 💸 **Costly:** paying higher rates or missing better opportunities
* 😰 **Stressful:** managing liquidation risk manually during volatile markets
* 🔧 **Complex:** navigating gas costs, slippage, and optimal timing

### Our solution

Agents that do the whole job continuously and non-custodially.

* 💰 **Self-Repaying Debt:** earnings are harvested and put straight onto your loan
* 📊 **Real-Time Rate Monitoring:** track borrowing and lending rates across protocols
* 🤖 **Autonomous Refinancing:** agents execute flash-loan-based switches to lower rates
* 🛡️ **Liquidation Protection:** Auto-Exit acts on your position before it can be liquidated
* 🔒 **Secure & Non-Custodial:** built on Safe smart accounts, with strictly scoped permissions

***

## 🤖 Choose your agent

| You want to...                                | Agent                                                                                        |
| --------------------------------------------- | -------------------------------------------------------------------------------------------- |
| Borrow, and have the earnings pay it back     | [**LP Agent**](/features/agent_actions.md#3-lp-agent--the-self-repaying-loan) - the flagship |
| Compete for an ETH prize pool                 | [**Range Hunter**](https://ratehopper.ai/contest-onboarding) - 10-day contest                |
| Earn from liquidity with **no loan at all**   | [**Managed USDC LP Agent**](https://ratehopper.ai/earn) - available now, beta                |
| Amplify exposure to an asset you hold         | **Looper Agent**                                                                             |
| Earn the spread between borrowing and lending | **Arb Agent**                                                                                |
| Just borrow, and manage it yourself           | **Custom Agent**                                                                             |

[Full breakdown of every agent →](/features/agent_actions.md)

***

## 💡 What we offer

### For borrowers

* **A loan that pays itself down** - out of what your capital earns
* **Minimize costs** - automatically refinance to the lowest borrowing rates
* **Reduce risk** - Auto-Exit unwinds before liquidation, 24/7

### For tax-efficient investors

* **No taxable gains on selling crypto** - use it as collateral to make it productive instead
* **Interest paid may be treated as an expense**
* Talk to your accountant - tax treatment varies by country.

***

## 🚀 Key features

### 🔁 [Self-Repaying Loans](/features/agent_actions.md#3-lp-agent--the-self-repaying-loan)

Trading fees are harvested from your liquidity position and paid onto your debt automatically.

### 🏆 [Range Hunter](https://ratehopper.ai/contest-onboarding)

A 10-day contest. Agents are ranked by how fast they repay, and the fastest take the largest share of an ETH prize pool. Five risk personalities, from The Tortoise to The Ratehopper.

### 📡 [Live Agent Showcase](https://ratehopper.ai/showcase)

A real agent running on Base right now, with its tracked figures. Look before you deploy.

### 📱 Unified Dashboard

Monitor your positions, rates, performance and agent activity in one place.

### 📊 [Rate Comparison](/advanced/rate_comparison.md)

Real-time rate discovery and historical trends across our integrated protocols.

### 🚪 [Exit & Liquidation Protection](/features/agent_actions.md#auto-exit--liquidation-protection)

One-click unwinding, plus Auto-Exit for automated liquidation protection on agents that carry debt.

### 🏅 Achievements & Leaderboards

Earn NFT badges and climb community leaderboards based on on-chain performance.

***

## 🎓 Getting started

New to Ratehopper? Start here:

1. [**Getting Started Guide**](/introduction/getting_started.md) - connect your wallet and deploy your first agent
2. [**Agent Actions**](/features/agent_actions.md) - every agent type, explained
3. [**Live Showcase**](https://ratehopper.ai/showcase) - see a real agent before you commit
4. [**Automation Guide**](/features/automation.md) - how the automation works
5. [**Unwinding Positions**](/support/unwinding_positions.md) - close and exit your positions

***

## 🛡️ Integrated protocols

Lending:

* **Aave V3** - leading lending protocol
* **Compound V3** - time-tested DeFi platform
* **Morpho** - optimized lending with peer-to-peer matching
* **Moonwell** - cross-chain DeFi protocol
* **Fluid** - vault-based lending protocol

Liquidity:

* **Uniswap V3** - concentrated liquidity (Self Repay, Yield and Range Hunter agents). Support for further venues is in progress.

Not every protocol is offered in every flow - the app shows what's available for the agent you're setting up.

***

## 🌐 Supported networks

* **Base** - production network
* Additional networks are planned

***

## 📞 Need help?

* **Documentation** - you're here! Browse our guides
* [**Agent Actions**](/features/agent_actions.md) - all agent types, including exit features
* [**Unwinding Positions**](/support/unwinding_positions.md) - how to close positions manually
* **Community** - join the [Ratehopper Telegram Community](https://t.me/RatehopperPortal)
* **Support** - contact us at <support@ratehopper.ai>

***

## 🔐 Security first

✅ **Non-Custodial:** assets always remain in your own Safe wallet\
✅ **Scoped Permissions:** agents get a restricted operator role, never ownership of your Safe\
✅ **Revocable:** disable the module or remove the role at any time from your Safe settings\
✅ **Open Source:** transparent and auditable contracts\
✅ **Flash Loan Security:** automated refinances executed through verified providers

***

Ready to put your crypto to work? [Let's get started!](/introduction/getting_started.md)