Everything you need to know about cross-chain lending, supplying assets, borrowing, and using Rhea Finance across 16+ supported networks.
Rhea Finance is the first cross-chain lending and DEX protocol built on NEAR. It enables users to supply assets on one chain and borrow on another, all managed from a single unified dashboard. Rhea Finance leverages NEAR's chain abstraction technology to connect 16+ major blockchains — including Ethereum, Solana, Arbitrum, Base, BNB Chain, Polygon, Optimism, Aptos, Tron, Zcash, Bitcoin, and more. Wherever you supply assets, you continue earning yield while retaining the flexibility to borrow on any supported network.
Rhea Finance currently supports 16 blockchain networks: Solana, Ethereum, Arbitrum, Base, BNB Chain, Optimism, Polygon, NEAR, Bitcoin (BTC), Zcash, Aptos, Tron, Monad (testnet), BeraChain, X Layer, and Plasma. The team continuously works to expand the list of supported chains. Each chain allows users to supply collateral or borrow assets independently, making Rhea Finance a truly chain-agnostic liquidity solution.
To start earning on Rhea Finance, follow these steps:
1. Connect your wallet — use any supported wallet for your preferred chain (MetaMask, Phantom, NEAR wallet, etc.). 2. Select a chain — choose the network on which you hold assets from the Supply Market panel. 3. Choose an asset — for example, USDT, USDC, ZEC, BTC, or ETH. 4. Click Supply — confirm the transaction in your wallet.
Once supplied, you immediately begin earning the displayed APY. Rhea Finance shows a range (e.g. 6.17% ~ 7.69%) representing base yield plus any additional platform rewards. Your supplied assets serve as collateral if you wish to borrow from another chain.
The Health Factor is a numerical indicator that reflects the safety of your borrowing position on Rhea Finance. It is calculated as the ratio of your total collateral value (adjusted by the liquidation threshold) to your total borrowed value.
Health Factor > 1: Your position is safe and well-collateralized. Health Factor = 1: Your position is at the liquidation threshold — immediate action required. Health Factor < 1: Your position may be partially liquidated to repay outstanding debt.
Always monitor your Health Factor in the Rhea Finance dashboard, especially during periods of market volatility. To improve it, you can either repay part of your borrowed amount or supply additional collateral.
Rhea Finance is built with security as a top priority. The protocol incorporates several layers of protection:
Smart contract audits: All Rhea Finance smart contracts undergo rigorous third-party security audits before deployment. Liquidation mechanism: An automated liquidation system ensures under-collateralized positions are resolved swiftly, protecting lenders. Chain abstraction via NEAR: Rhea Finance uses NEAR Protocol's chain abstraction, which provides a decentralized and cryptographically secure bridge between networks — reducing reliance on centralized cross-chain bridges. Real-time monitoring: The protocol continuously monitors collateral ratios and market prices via decentralized oracles.
While Rhea Finance takes every precaution, DeFi always carries inherent risks. Users should only supply and borrow what they can afford to manage responsibly. Always review the current APY, Health Factor, and liquidation thresholds before interacting with the protocol.
Borrowing on Rhea Finance is straightforward. After you have supplied collateral on any supported chain, navigate to the Borrow Market panel on the dashboard:
1. Select the chain you want to borrow on (this can be different from where you supplied). 2. Pick the asset you need — USDC, USDT, ZEC, ETH, and more are available. 3. Enter the amount and click Borrow. 4. Confirm the transaction in your connected wallet.
The borrowed funds will arrive in your wallet on the destination chain. Rhea Finance handles all the cross-chain complexity behind the scenes. You can repay the loan from any supported network at any time. Interest accrues based on the displayed Borrow APY, which fluctuates with market utilization rates.
Rhea Finance supports a wide range of assets across its supply and borrow markets, including:
Stablecoins: USDT, USDC Major cryptocurrencies: BTC (native), WBTC, ETH, NEAR, SOL Privacy coins: ZEC (Zcash) Chain-native tokens: APT (Aptos), TRX (Tron), and more
Available assets may vary depending on the selected chain. The Rhea Finance team regularly adds new assets based on community demand and liquidity depth. Check the live dashboard for the most up-to-date list of supported tokens and their current APY rates.
Rhea Finance generates yield for suppliers through two primary mechanisms:
Borrow interest: When borrowers take loans against your supplied collateral, they pay an interest rate. This interest is distributed proportionally among all suppliers of that asset — this forms the base APY.
Platform rewards: Rhea Finance distributes additional daily platform rewards (currently ~$4.92K per day across all pools) to incentivize liquidity providers. These rewards boost the effective yield beyond the base interest rate.
The displayed APY range (e.g., 6.17% ~ 7.69%) represents the minimum and maximum yield you can expect. Both components together create an attractive and competitive return for Rhea Finance liquidity providers.