Earn LP fees on your Robinhood Stock Tokens and borrow USDG against the same vault share
On 22 October Robinhood made Stock Tokens collateral on Morpho. Morpho Blue holds $609.5M of Robinhood Chain's $1.14B TVL, and collateral posted there earns nothing while the loan accrues interest. 189,012 wallets hold NVDA on the chain. Providing liquidity by hand loses to fast traders: SPCX's pool paid 116.7% a year in fees and its liquidity providers kept -195.4%.
Deposit a Stock Token such as AAPL, GOOGL or PLTR. The ERC-4626 vault runs it as Uniswap v3 or v4 liquidity against Paxos USDG and earns the fees that survive fast traders. The vault share is an ERC-20, so it posts to Morpho Blue as collateral and borrows USDG while it keeps earning. Exit in kind is always open: both tokens come back with no oracle, no swap and no pause in the way.
The AAPL vault (Uniswap v3) and the PLTR vault (Uniswap v4) run on Robinhood Chain mainnet with a $5,000 deposit cap each, enforced in the contract. VaultFactory 0x67AB92446f38F01Ec5a863f6C8e7b8aF39415A1a registers only the reviewed builds: its vaultCodeHash and vaultV4CodeHash equal the hashes of StockVault and StockVaultV4 compiled from the repo. Each vault share has its UptickShareOracle (AAPL 0x32518De75DFEC2cF07F8B4742cf64f9952D3A0EB, PLTR 0x613F1250fc27aD51C11C403bd9b5440181D0f9A4), registered in UptickShareOracleFactory 0x0334c4A66d40F5c6c2891d3AFD26b4519B6715DB, the registry a Morpho curator checks before listing a market. A Morpho Blue market taking the AAPL vault share as collateral against USDG at 62.5% LLTV is live (market 0x80bdad68abdbddbc8459b0e4cce11458d6c3e1aec28286d3ae46148032b0de5b, created at block 96394191).
The planner sizes and prices a Lighter short for the stock leg from live Lighter reads, then hands off to Lighter or to your own lighter-agent-kit with a copy-ready instruction. It stays non-custodial: Uptick prepares the order and you sign it.
Uptick replayed 3,059,881 swaps on the pools of 17 Stock Tokens over 30 days. Each token picks its price range on the first 15 days, and the weaker of the two halves decides its door: 3 open (PLTR, AAPL, GOOGL), 9 reduced to $25,000 a deposit, 5 closed (TSLA, CRCL, MSTR, GME, SPCX). Each token runs on the venue whose weaker half keeps more: PLTR's Uniswap v4 1% pool kept +7.9% a year where its v3 pool kept -18.9%. Every vault page shows what a holder keeps before they sign, and the performance fee is 0% at launch.
UptickShareOracle prices the share from Chainlink alone, deployed through a factory that registers one oracle per vault. A 3% push on the AAPL pool moved it 0.2 basis points while a spot-reading control moved 263. At the recommended 62.5% LLTV, Morpho pays a 12.68% liquidation incentive and bad debt needs a further 29.6% fall in the share. Live Morpho read: the AAPL/USDG market borrows at 24.7%, and a posted Uptick AAPL share pays back 5.4 to 7.8 points of that at 50% loan to value.
1) Open https://uptick-fi.pages.dev/check and paste any wallet. It reads all 17 Stock Token balances in one Multicall3 call and shows each holding's door, what it keeps a year and its borrow room. 2) Earn and borrow sends the deposit, the share approval, the collateral supply and the borrow as one EIP-5792 batch where the wallet supports it. 3) Your loan shows the health factor and the liquidation price in stock terms, and Make it safer repays or exits in kind in one batch. 4) scripts/fork-demo.sh runs the whole loop on a Robinhood Chain fork against the real Morpho Blue singleton, through a liquidation that clears.
An MCP server with nine tools, including scan_wallet, prepare_deposit, prepare_earn_and_borrow, check_loan_health and prepare_make_safer, prepares unsigned transactions and answers a closed vault with its gate reason.
572 contract tests pinned green (contracts/test-logs/forge-8e64222-93694185.txt), with security tests on a fork of the real pools, 50 mutation checks, six review reports, and Slither and Aderyn output triaged result by result. Every owner setting sits behind a 24 hour queue, deposits price at the lowest of Chainlink, TWAP and spot, and an ERC-8056 gate holds price-checked paths around each stock split.
AutoRange vaults issue no share token, so nothing posts as collateral. Replayed with the same engine, a Fables pool keeps less than the pool Uptick chose on 11 of the 12 tokens it can be replayed on. A Uniswap position is an NFT that Morpho Blue cannot take, and an Uptick share is an ERC-20 it can.
App https://uptick-fi.pages.dev | Full deck https://uptick-fi.pages.dev/deck/ with the Product and GTM canvases in the appendix | 7-slide pitch https://uptick-fi.pages.dev/deck/pitch/ | Evidence API and MCP https://uptick-evidence.earn-shield-alerts.workers.dev | Launch film https://x.com/uptickfi/status/2112531006792360167
<p>Started 17 Oct. Built at Founder House, 103 commits from 23 Oct: the Morpho collateral layer (UptickShareOracle and its factory, 62.5% LLTV fork demo on the real Morpho singleton), Earn and borrow, Your loan, Make it safer, the /check wallet finder, loan alerts, oracle reviews, canvases. Live today: the app at https://uptick-fi.pages.dev, the evidence API and MCP server, and the deck at https://uptick-fi.pages.dev/deck/.</p>
<p>Raising a $250K to $300K angel and pre-seed SAFE, cap set with the lead. A $100K first close buys the audit scope, the owner key in a Safe, the first USDG lender supply and two months of runway. Tranche 2 at day 60 on traction targets: 5 depositors and $10K TVL by day 30, 15 to 25 and $50K by day 60, 40+ and $100K to $250K by day 90.</p>