hedged.finance
Launch app
FIXED BY FORMULA · SETTLED ON-CHAIN

Your rate stops moving here.

TRAILING 12 MONTHS
THE NEXT 12 MONTHS
floating could reach 11.82%
or fall to 2.41%
your fixed rate does neither

Floating rate is cheap today but was 11.82% eighteen months ago. hedged writes an interest rate swap against the lending position you already hold and settles it on-chain, every slot, atomically — so the number in your budget is the number you pay, whatever the market does next.

FLOATING TODAY
3.1040%
FIXED · 1Y
4.1500%

Fixing costs you 105bps today. That is the whole price.

If floating stays near 3.1%
you pay 105bps more
−$2,625 / yr
If floating averages 5.0%
you pay 85bps less
+$2,125 / yr
If it repeats last March
you pay up to 767bps less
+$19,175 / yr
Illustrative rates as of 9 September 2026. Floating is a stablecoin lending rate; the 12-month band is its own trailing range.
Both sides of the swap

What each side gets.

hedged is two roles sharing one formula — the same wallet can hold both at once.

Pay fixed

Cashflow certainty
The rate you lock is the rate you pay, for the term you choose.
Zero collateral
Nothing new to post — the swap sits on the lending position you already hold.
Conditional atomic payment exchange
Each settlement completes in full or doesn't happen — no partial states to manage.
Complete settlement automation
Accrues and settles every slot, without a transaction from you.
No principal risk
The swap never touches your loan principal, only the rate paid on it.

Receive fixed

Diversified across tenors and assets
Capital backs a blended book across terms rather than a single maturity.
Priced by the same formula every borrower pays into
No dealer edge to be picked off by — nothing negotiated case by case.
Part of a broader interest-rate risk toolkit
The same infrastructure that fixes a borrower's rate gives liquidity providers a way to manage their own exposure — not a one-off yield product.
How it works

Watch a swap settle, slot by slot.

Connect a position, lock a rate, then watch hedged pay away your floating accrual and pull in the fixed accrual every slot. Full walkthrough below.

Quoted by formula

Every rate is derived, not posted.

No order book to read, no counterparty to chase. The indicative fixed rate is priced from the expected floating rate plus transparent return, risk and utilisation spreads — firmed when you request. Receivers collect the fixed leg and pass the floating leg through, keeping the margin between them.

1Y indicative fixed-rate breakdown
Expected floating3.2000%
Return spread+0.4200%
Risk spread+0.3600%
Utilisation spread+0.1700%
Indicative fixed rate4.1500%
Expected floating  3.2000%Margin over floating  0.9500%

No capital posted

You never lock collateral with hedged. The swap settles against your existing position — nothing to escrow, nothing to liquidate.

No liquidations

There is no margin to call. Accruals settle every slot above a minimum floor — nothing to top up, nothing to liquidate.

Transparent by construction

The same formula prices every quote for every user. Read the spreads before you lock — the rate is the rate.

On-chain loan protocols · automated

Fix your rate without leaving your position.

hedged plugs into the floating lending position you already hold. The swap runs against your real floating leg and settles into the same position every slot — no manual rebalancing.

01

Connect your lending position

hedged reads your live borrow or deposit on the lending market itself. The floating leg is your actual rate, not a proxy.

02

Lock a fixed rate by formula

Choose a tenor and a side. The indicative fixed leg is quoted on the spot; no capital leaves your wallet to open the swap.

03

Settled automatically, every slot

Each slot, hedged pays away your floating accrual and pulls the fixed accrual into the swap market — above a minimum, so dust never triggers a transaction. You never manage the interest on your loan.

Your floating leghedged swapsettles every slot·Permit2·more venues soon
For dealers & treasuries

Spin up a closed swap market.

Run a private, permissioned market for a specific desk or counterparty set — bespoke tenor and size, with pricing you set or the standard formula.

Coming Soon...

Your counterparties

Allowlist the addresses that can take the other side. The swap market is invisible to everyone else.

Custom tenor & size

Set a maturity and notional that fit the trade — not just the standard term grid.

Dealer-set pricing

Price the fixed leg yourself, or run the standard formula — your swap market, your spread.

Same on-chain method

Closed swap markets settle through the identical contracts. Private venue, public mechanics.

Quoted by formula · settled on-chain

Fix your rate before the swap market fills.