Osito Protocol Documentation
Osito is a lending protocol on Berachain that uses mathematical guarantees—not oracles or governance—to safely lend against qualifying tokens.
Core Innovation
Instead of asking "what is this token worth?" like traditional lending protocols, Osito asks "in the worst-case scenario, how much BERA could be extracted from the protocol?" This fundamental shift eliminates oracle risk and governance while ensuring protocol solvency.
Key Protocol Components
Mathematical Guarantees
Understand the core borrow limit formula that ensures protocol solvency even in worst-case scenarios.
max_borrow = pool_BERA - (dumpable_tokens * pool_BERA/pool_tokens / 2)Explore Mathematics →Token Qualification
Learn how tokens qualify for use in Osito through two key criteria:
- Deployed by Panda Factory or Ramen
- Has verifiably burned LP tokens
Three Protocol Roles
BERA Lenders
Deposit BERA to earn interest, with returns scaling based on utilization.
Token Depositors
Use tokens as collateral to borrow BERA based on mathematically derived limits.
Token Stakers
Stake tokens to earn yield without debt, while reducing dumpable supply to improve protocol economics.
Key Features
Real-Time Calculations
All lending limits are recalculated in real-time at each user interaction, using fresh on-chain data.
No Rehypothecation
Collateral assets are never reused, allowing 90% utilization without increased systemic risk.
Permissionless Design
Any qualifying token can be used immediately without governance approval.
Simple Liquidations
All-or-nothing liquidations simplify the system while providing clear incentives.
For Developers
Explore technical implementation details, contract interfaces, and integration guides.
View Developer Resources →