# Bonzo Finance Overview Welcome to the official documentation for Bonzo Finance — the premier lending and borrowing protocol of the Hedera network. The organizational structure of Bonzo is comprised of these four components: * **Bonzo Finance Labs:** A Dubai-based development shop contributing to open source development of the Bonzo Finance protocol, along with the user interface. * **The Bonzo Finance Protocol:** A liquidity pool-based decentralized lending protocol built on Hedera. Bonzo is powered by open source smart contracts from Aave v2 that have been adapted to Hedera's native smart contract and token services. Bonzo utilizes over-collateralized loans, flash loans, and dynamic interest rate models to facilitate permissionless lending and borrowing of crypto assets. * **The Bonzo Interface:** An easy-to-use, web-hosted user interface that allows user interaction with the Bonzo protocol. The interface is one of many ways to interact with Bonzo. * **The Bonzo DAO (Coming Soon):** A decentralized autonomous organization (DAO) that guides protocol development and governance through collective decision-making by its community members, enabled by the $BONZO token. ## Bonzo Finance Protocol The [Bonzo Finance](https://www.bonzo.finance) protocol is an open source, non-custodial protocol designed to facilitate the lending and borrowing of cryptocurrencies, with a focus on HBAR, Hedera Token Service (HTS) tokens, and wrapped major assets. Bonzo prioritizes censorship resistance, security, and self-custody, enabling users to transact without reliance on trusted intermediaries that may selectively restrict access. Bonzo Finance is based on [Aave v2](https://docs.aave.com/developers/v/2.0) and adapted to the Hedera EVM (Ethereum Virtual Machine) and native Hedera Token Service (HTS). By adapting Aave v2 to Hedera, the Bonzo Finance protocol inherits the Hedera network's high throughput, fast transaction finality, and a low, fixed, U.S. dollar-denominated fee structure. Additionally, Hedera's architecture ensures fair transaction ordering, mitigating the risk of MEV attacks commonly seen on alternative EVM-based protocols. Bonzo Finance utilizes [Supra](/hub/developer/oracles/supra) oracles that enable accurate and reliable price feeds for the lending and borrowing of assets, ensuring transparent and efficient operations within the protocol. # Protocol Roadmap The roadmap provides an overview of Bonzo Finance's past, present, and future developments for the Bonzo protocol and user interface. Please note that this roadmap is subject to change based on external circumstances and input from the DAO community. The items listed are not necessarily in chronological order. ## 🟩 In Development **Projects actively being developed:** * DAO Governance Forums & Tooling ## 🟨 Planned for Development **Projects planned for development:** * $wBTC Listing in Bonzo Lend * $USDT0 Integration in Bonzo Bridge ## 🟧 Prioritized for Development **Projects prioritized for development:** * Bonzo Swaps (UI/UX Interface & Development) ## 🏁 Completed **Projects that have completed development:** * Code Freeze & Smart Contract Audits * Safety Module & staking functionality + UI/UX * Safety Module development + UI/UX * Initial Bonzo Finance Homepage & Blog * Supra oracles integration * Points reward system based on HCS-20 * Testnet deployment/adaptation of Aave v2 Smart Contracts * HashConnect integration for HashPack * Public Discord faucet for SaucerSwap testnet HTS tokens * Public testnet availability & UI/UX dapp frontend * Official homepage & branding * Bonzo NFT illustrations * Liquidation bot testing & developer templates * DeFi Llama Adapters * Data API * WalletConnect integration (HashPack, Kaliba, etc.) * HBAR liquidity incentive smart contracts & UI updates * Flash loan documentation & developer templates * CoinGecko Integration * Bonzo Finance protocol analytics page (UI/UX + Data API integration) * Individual asset analytics page(s) (UI/UX + Data API integration) * Chainlink Oracles implementation * Single-sided staking for $xBONZO * $BONZO Faucet in Discord for Bonzo Finance NFT holders * New Loan Health Monitor added to the Bonzo Dashboard * UI/UX Revamp of Bonzo Lend dashboard and associated pages * Cross-Chain Bridging Integration for Axelar, LayerZero (UI/UX + Development) * Bonzo Vaults Implementation * MetaMask Support * Bonzo Bridge Implementation # ERC-20 Token Display The Hedera ecosystem supports both **Hedera Token Service (HTS)** assets, as well as **EVM ERC-20** assets — including bridged assets, like wETH or wBTC via **Stargate (LayerZero)**, as well as liquidity pool receipt tokens issued by **Bonzo Vaults** or **Bonzo Lend**. How these tokens display in your wallet depends on which wallet you use. MetaMask automatically displays EVM ERC-20 assets but [**HashPack**](https://hashpack.app/) requires you to add them to be displayed manually. {% hint style="info" %} **Select the tabbed asset categories below for specific addresses and instructions on how to display EVM ERC-20 assets in HashPack.** {% endhint %} {% tabs %} {% tab title="Bridged EVM Assets" %} **Assets bridged to Hedera via** [**Stargate**](https://stargate.finance/?dstChain=hedera\&dstToken=0xCa367694CDaC8f152e33683BB36CC9d6A73F1ef2) **and** [**Bonzo Bridge**](https://app.bonzo.finance/bridge) **arrive on the Hedera network as EVM ERC-20 assets — if you're holding an EVM ERC-20 asset in your account, it must be manually configured to display in HashPack, in order for you to "see" it in your wallet. If using MetaMask, these tokens should automatically appear.**\ \ **HashPack Instructions:** 1. Open HashPack wallet and select an account to view. 2. Directly above (and slightly left) of all your assets on display is a **+ Add Token** button — please click or tap this. 3. You should now see a **Or Enter a Token ID** input field in your wallet. 4. Please input the "EVM Address" of any asset (from the table below) that you'd like visible in your wallet, into the **Or Enter a Token ID** field. 5. Click or tap the **Associate Token** button. {% hint style="success" %} Note: Unlike token associations for HTS assets, "associating" an EVM ERC-20 asset in HashPack does not charge a network / transaction fee to your account. {% endhint %}
IconSymbolEVM AddressDescription

wETHHedera 0xca367694cdac8f152e33683bb36cc9d6a73f1ef2

Note: When bridging wETH to Arbitrum, Base, Optimism, and Ethereum, Bonzo Bridge automatically unwraps to native ETH. 		Wrapped Ethereum is a tokenized version of Ether (ETH), the native currency of the Ethereum blockchain. This version of wETH is issued by LayerZero and can be bridged using Stargate Finance.

wBTC

Hedera
0xd7d4d91d64a6061fa00a94e2b3a2d2a5fb677849

Base

0x0555E30da8f98308EdB960aa94C0Db47230d2B9c

Optimism
0x68f180fcCe6836688e9084f035309E29Bf0A2095

Ethereum
0x2260FAC5E5542a773Aa44fBCfeDf7C193bc2C599

Wrapped Bitcoin is a tokenized version of Bitcoin (BTC) that runs on the Ethereum (ETH) blockchain. This version of wBTC is issued by LayerZero and can be bridged using Stargate Finance.
{% endtab %} {% tab title="Bonzo Lend LP Tokens" %} **When assets are supplied to or borrowed from the Bonzo Lend protocol, the user also receives EVM ERC-20 "receipt" tokens that represent the user's supply and debt. These tokens are "invisible" to HashPack wallet and** [**Hashscan**](https://hashscan.io/) **explorer — however, you can make them visible in HashPack wallet, with unique token icons, by following the instructions below.**\ \ **HashPack Instructions:** 1. Open HashPack wallet and select an account to view. 2. Directly above (and slightly left) of all your assets on display is a **+ Add Token** button — please click or tap this. 3. You should now see a **Or Enter a Token ID** input field in your wallet. 4. Please input the "EVM Address" of any asset (from the table below) that you'd like visible in your wallet, into the **Or Enter a Token ID** field. 5. Click or tap the **Associate Token** button. {% hint style="success" %} Note: Unlike token associations for HTS assets, "associating" an EVM ERC-20 asset in HashPack does not charge a network / transaction fee to your account. {% endhint %} {% tabs %} {% tab title="Supply LP Tokens" %}
Token SymbolEVM AddressDescription
aToken
BONZO		0xC5aa104d5e7D9baE3A69Ddd5A722b8F6B69729c9This Bonzo Lend receipt token represents a supply of the $BONZO asset.
aToken
HBAR		0x6e96a607F2F5657b39bf58293d1A006f9415aF32This Bonzo Lend receipt token represents a supply of the $HBAR asset.
aToken
HBARX		0x40EBC87627Fe4689567C47c8C9C84EDC4Cf29132This Bonzo Lend receipt token represents a supply of the $HBARX asset.
aToken
USDC		0xB7687538c7f4CAD022d5e97CC778d0b46457c5DBThis Bonzo Lend receipt token represents a supply of the $USDC asset.
aToken
WETH		0x6f3FBff04314573e5A2f4eD6dcEf3aA709ab8eD0This Bonzo Lend receipt token represents a supply of the $WETH (LayerZero OFT) asset.
aToken
SAUCE		0x2bcC0a304c0bc816D501c7C647D958b9A5bc716dThis Bonzo Lend receipt token represents a supply of the $SAUCE asset.
aToken
XSAUCE		0xEc9CEF1167b4673726B1e5f5A978150e63cDf23bThis Bonzo Lend receipt token represents a supply of the $XSAUCE asset.
aToken
KARATE		0x98262552C8246Ffb55E3539Ceb51838912402959This Bonzo Lend receipt token represents a supply of the $KARATE asset.
aToken
STEAM		0x46BEf910150a3880ce6eAC60A059E70494A4805eThis Bonzo Lend receipt token represents a supply of the $STEAM asset.
aToken
PACK		0x5F98C43ce4b4765638d69B4a2407a2186A347CB9This Bonzo Lend receipt token represents a supply of the $PACK asset.
aToken
DOVU		0x89D2789481cB4CB5B6949Ff55EBA5629c5bC5B1EThis Bonzo Lend receipt token represents a supply of the $DOVU asset.
aToken
HST		0x2e63e864AAD2ce87b45d2C93bc126850DC5122c9This Bonzo Lend receipt token represents a supply of the $HST asset.
aToken
GRELF		0xb8c34c9a46AEdf1decb846F942861EeE7dE78075This Bonzo Lend receipt token represents a supply of the $GRELF asset.
aToken
KBL		0x6a74429E0D761085C4D5520A14ab59874dfe1C06This Bonzo Lend receipt token represents a supply of the $KBL asset.
{% endtab %} {% tab title="Borrow (Debt) LP Tokens" %}
Token SymbolEVM AddressDescription
debtToken
BONZO		0x1790C9169480c5C67D8011cd0311DDE1b2DC76e0This Bonzo Lend receipt token represents debt (borrowing) of the $BONZO asset.
debtToken
HBAR		0xCD5A1FF3AD6EDd7e85ae6De3854f3915dD8c9103This Bonzo Lend receipt token represents debt (borrowing) of the $HBAR asset.
debtToken
HBARX		0xF4167Af5C303ec2aD1B96316fE013CA96Eb141B5This Bonzo Lend receipt token represents debt (borrowing) of the $HBARX asset.
debtToken
USDC		0x8a90C2f80Fc266e204cb37387c69EA2ed42A3cc1This Bonzo Lend receipt token represents debt (borrowing) of the $USDC asset.
debtToken
WETH		0x5451A5863b3d6b672610CE5923Eb1eC0bB8FCa51This Bonzo Lend receipt token represents debt (borrowing) of the $WETH asset.
debtToken
SAUCE		0x736c5dbB8ADC643f04c1e13a9C25f28d3D4f0503This Bonzo Lend receipt token represents debt (borrowing) of the $SAUCE asset.
debtToken
XSAUCE		0x08c816eC7aC0580c802151E4efFbDa687f7Cac2aThis Bonzo Lend receipt token represents debt (borrowing) of the $XSAUCE asset.
debtToken
KARATE		0xB6209F33982CE99139Ab325b13B260d32287A807This Bonzo Lend receipt token represents debt (borrowing) of the $KARATE asset.
debtToken
STEAM		0xdFD1D43cbd700AEC5bcc151d028274412d31db70This Bonzo Lend receipt token represents debt (borrowing) of the $STEAM asset.
debtToken
PACK		0x63c7EF5398E8Fe23D95E762802F011590A7816a1This Bonzo Lend receipt token represents debt (borrowing) of the $PACK asset.
debtToken
DOVU		0x9d81E1676A7e116ec725208DdeAB11929eA3F7A6This Bonzo Lend receipt token represents debt (borrowing) of the $DOVU asset.
debtToken
HST		0xdc6e9E967648cd28E8BaF2EB1124ef7C9C5Bd027This Bonzo Lend receipt token represents debt (borrowing) of the $HST asset.
debtToken
GRELF		0x0E509Fc72f4b5d97494c0d45fcd1cF04d531Be44This Bonzo Lend receipt token represents debt (borrowing) of the $GRELF asset.
debtToken KBL0xC45A34b9D9e29fBfCAACC9193FD0CE950e63Ba81This Bonzo Lend receipt token represents debt (borrowing) of the $KBL asset.
{% endtab %} {% endtabs %} {% endtab %} {% tab title="Bonzo Vaults LP Tokens" %} **When assets are deposited into a Bonzo Vault — regardless of strategy (Dual Asset DEX, Single Asset DEX, or Leveraged LST) — the user receives EVM ERC-20 "receipt" tokens that represent the user's proportional share of the vault. These tokens are "invisible" to HashPack wallet and** [**Hashscan**](https://hashscan.io/) **explorer — however, you can make them visible in HashPack wallet, with unique token icons, by following the instructions below.**\ \ **HashPack Instructions:** 1. Open HashPack wallet and select an account to view. 2. Directly above (and slightly left) of all your assets on display is a **+ Add Token** button — please click or tap this. 3. You should now see a **Or Enter a Token ID** input field in your wallet. 4. Please input the "EVM Address" of any asset (from the table below) that you'd like visible in your wallet, into the **Or Enter a Token ID** field. 5. Click or tap the **Associate Token** button. {% hint style="success" %} Note: Unlike token associations for HTS assets, "associating" an EVM ERC-20 asset in HashPack does not charge a network / transaction fee to your account. {% endhint %} {% tabs %} {% tab title="Single Asset DEX" %}
VaultLP Token EVM AddressDescription
USDC
(Paired with HBAR)		0x1b90B8f8ab3059cf40924338D5292FfbAEd79089Bonzo Vaults liquidity pool token that represents $USDC (paired with $HBAR) using the Single Asset DEX strategy.
HBAR
(Paired with USDC)		0xebaFaBBD6610304d7ae89351C5C37b8cf40c76eBBonzo Vaults liquidity pool token that represents $HBAR (paired with $USDC) using the Single Asset DEX strategy.
DOVU
(Paired with HBAR)		0x072bC950618A4e286683886eBc01C73090BC1C8aBonzo Vaults liquidity pool token that represents $DOVU (paired with $HBAR) using the Single Asset DEX strategy.
HBAR
(Paired with DOVU)		0xEf55ABc71271dceaE4880b9000402a4b3F87D1eABonzo Vaults liquidity pool token that represents $HBAR (paired with $DOVU) using the Single Asset DEX strategy.
HBAR
(Paired with SAUCE)		0xc883F70804380c1a49E23A6d1DCF8e784D093a3fBonzo Vaults liquidity pool token that represents $HBAR (paired with $SAUCE) using the Single Asset DEX strategy.
SAUCE
(Paired with HBAR)		0x8e253F359Ba5DDD62644b1e5DAbD3D7748fb8193Bonzo Vaults liquidity pool token that represents $SAUCE (paired with $HBAR) using the Single Asset DEX strategy.
HBAR
(Paired with JAM)		0x55958da8d5aC662aa8eD45111f170C3D8e4fCB3bBonzo Vaults liquidity pool token that represents $HBAR (paired with $JAM) using the Single Asset DEX strategy.
JAM
(Paired with HBAR)		0x26C770f89d320Da2c2341cbf410F132f44eF70CDBonzo Vaults liquidity pool token that represents $JAM (paired with $HBAR) using the Single Asset DEX strategy.
HBAR
(Paired with BONZO)		0xd406F0C0211836dbcA3EbF3b84487137be400E57Bonzo Vaults liquidity pool token that represents $HBAR (paired with $BONZO) using the Single Asset DEX strategy.
BONZO
(Paired with HBAR)		0x5D1e9BCAe2c171c0C8aF697Bdd02908f280716bcBonzo Vaults liquidity pool token that represents $BONZO (paired with $HBAR) using the Single Asset DEX strategy.
BONZO
(Paired with XBONZO)		0x8F6A6441D5Bb2AFD8063181Da52363B9d568F5BEBonzo Vaults liquidity pool token that represents $BONZO (paired with $XBONZO) using the Single Asset DEX strategy.
xBONZO
(Paired with BONZO)		0x938697BaAC6d574f77b848C4B98BfED0ec44a8B2Bonzo Vaults liquidity pool token that represents $XBONZO (paired with $BONZO) using the Single Asset DEX strategy.
HBAR
(Paired with PACK)		0xd1893FcFB1dbEbCCAa6813993074fEfb1569FA5FBonzo Vaults liquidity pool token that represents $HBAR (paired with $PACK) using the Single Asset DEX strategy.
PACK
(Paired with HBAR)		0xACd982eE8b869f11aa928c4760cC3C0D4f30a6d3Bonzo Vaults liquidity pool token that represents $PACK (paired with $HBAR) using the Single Asset DEX strategy.
USDC
(Paired with WETH)		0x0Db93Cfe4BA0b2A7C10C83FBEe81Fd2EFB871864Bonzo Vaults liquidity pool token that represents $USDC (paired with $WETH from Stargate bridge) using the Single Asset DEX strategy.
wETH
(Paired with USDC)		0x31403d085C601F49b9644a4c9a493403FA14ABfeBonzo Vaults liquidity pool token that represents $WETH from Stargate bridge (paired with $USDC) using the Single Asset DEX strategy.
HBAR
(Paired with WBTC)		0xe716bb7cf4cf69f94d3ce4cf0115e76368107fcaBonzo Vaults liquidity pool token that represents $HBAR (paired with $WBTC from Stargate bridge) using the Single Asset DEX strategy.
wBTC
(Paired with HBAR)		0x4431a822e59e12cea7fa614791ae39fe8b931d0fBonzo Vaults liquidity pool token that represents $WBTC from Stargate bridge (paired with $HBAR) using the Single Asset DEX strategy.
HBAR
(Paired with WETH)		0x6450ca2ee98454c305c40dd478307b17cea9a882Bonzo Vaults liquidity pool token that represents $HBAR (paired with $WETH from Stargate bridge) using the Single Asset DEX strategy.
wETH
(Paired with HBAR)		0x3bcbae5374ec9114ba066c89fc79fbb98f2d7413Bonzo Vaults liquidity pool token that represents $WETH from Stargate bridge (paired with $HBAR) using the Single Asset DEX strategy.

USDC

(Paired with WBTC)

0x15f9107b69ab7f7fa537b919f0f1f20038bf4a67Bonzo Vaults liquidity pool token that represents $USDC (paired with $WBTC from Stargate Bridge) using the Single Asset DEX strategy.
wBTC
(Paired with USDC)		0x6b068a06a23edc1de4f63c4d421e57d71e33573dBonzo Vaults liquidity pool token that represents $WBTC from Stargate bridge (paired with $USDC) using the Single Asset DEX strategy.
USDC-USDC[hts]0x9696F2e42ce65f2c5BF26377391AFE2DbD0f8A14Bonzo Vaults liquidity pool token that represents $USDC (paired with $USDC[hts] from HashPort bridge) using the Single Asset DEX strategy.
USDC[hts]-USDC0x0d634505888469e0f807Be901C9649565C3fA7BBBonzo Vaults liquidity pool token that represents $USDC[hts] from HashPort bridge (paired with $USDC) using the Single Asset DEX strategy.
{% endtab %} {% tab title="Dual Asset DEX" %}
VaultLP Token EVM AddressDescription
USDC-HBAR Dual Vault0x724F19f52A3E0e9D2881587C997db93f9613B2C7Bonzo Vaults liquidity pool token that represents $USDC / $HBAR using the Dual Asset DEX strategy.
USDC-SAUCE Dual Vault0x0171baa37fC9f56c98bD56FEB32bC28342944C6eBonzo Vaults liquidity pool token that represents $USDC / $SAUCE using the Dual Asset DEX strategy.
BONZO-XBONZO Dual Vault0xcfba07324bd207C3ED41416a9a36f8184F9a2134Bonzo Vaults liquidity pool token that represents $SAUCE / $XSAUCE using the Dual Asset DEX strategy.
SAUCE-XSAUCE Dual Vault0x8AEE31dFF6264074a1a3929432070E1605F6b783Bonzo Vaults liquidity pool token that represents $BONZO / $XBONZO using the Dual Asset DEX strategy.
{% endtab %} {% tab title="Leveraged LST" %}
VaultLP Token EVM AddressDescription
HBARX Leveraged LST0x10288A0F368c82922a421EEb4360537b93af3780Bonzo Vaults liquidity pool token that represents $HBARX using the Leveraged Liquid Staking Token (LST) strategy.
{% endtab %} {% endtabs %} {% endtab %} {% endtabs %} # Troubleshooting {% hint style="info" %} Please check the **Bonzo Finance status page** to determine if any errors experienced are due to known maintenance or issues: {% endhint %} The Bonzo Finance Labs team is regularly optimizing its front-end, squashing bugs, and implementing feedback to ensure the best end user experience.\ \ It's still possible for errors to occur — if you've encountered an error using the Bonzo Finance front-end application, such as failing transactions, please follow the instructions found below to remediate.\ \ **If you're still experience issues, please join the official** [**Bonzo Finance Discord**](https://www.bonzo.finance/discord) **server and open a support ticket in the `🎫|create-a-ticket` channel.** ### **Desktop Browser + Chrome Extension Wallet (or Mobile Wallet)** 1. Disconnect from any VPN you may be using 2. Close all windows / tabs with other Hedera ecosystem apps open (e.g. SaucerSwap, SentX, etc.) 3. Disconnect your wallet from the Bonzo Finance interface 4. Disconnect Bonzo Finance connections from within your wallet's interface \[globe icon top right] 5. Clear your browser's cache for (or clear the entire cache) 6. Quit your browser application 7. Re-open your browser application 8. Re-connect your wallet on the Bonzo Finance interface 9. Attempt transaction again **⏰ Additional Check**: Some users have experienced transaction failures due to the clock on their machine / device not being in-sync with the actual time — please ensure that your system's time reflects the accurate time. ### **Mobile Browser + Mobile Wallet (or In-Wallet Browser)** 1. Disconnect from any VPN you may be using 2. Close all tabs with other Hedera ecosystem apps open (e.g. SaucerSwap, SentX, etc.) 3. Disconnect your wallet from the Bonzo Finance interface 4. Disconnect Bonzo Finance connections from within your wallet's interface \[globe icon top right] 5. Force quit your mobile wallet 6. Re-open your mobile wallet 7. Visit (or tap "Bonzo Finance" in Dapp marketplace \[HashPack / Kabila]) 8. Re-connect your wallet on the Bonzo Finance interface 9. Attempt transaction again **⏰ Additional Check**: Some users have experienced transaction failures due to the clock on their machine / device not being in-sync with the actual time — please ensure that your system's time reflects the accurate time. # Bonzo Lend Quickstart Follow the instructions below to start using Bonzo Finance on the Hedera mainnet. # Connect Wallet Bonzo Finance supports connectivity with Hedera ecosystem wallets via WalletConnect, with support for MetaMask coming soon. ### HashPack Wallet [HashPack](https://www.hashpack.app/) is an ecosystem wallet that offers deeply integrated functionality specific to the Hedera network and its associated ecosystems. For detailed, step-by-step instructions on setting up your HashPack wallet, visit [How to Create Your First Account with HashPack](https://www.hashpack.app/post/how-to-create-your-first-account-with-hashpack). * For desktop users, install the HashPack extension from the [Chrome Web Store](https://chrome.google.com/webstore/detail/hashpack/gjagmgiddbbciopjhllkdnddhcglnemk). * For iOS users, download HashPack from the[ Apple App Store](https://apps.apple.com/us/app/hashpack/id6444389849). * For Android users, you can find HashPack on the[ Google Play Store](https://play.google.com/store/apps/details?id=app.hashpack.wallet.twa). ### Kabila Wallet [Kabila](https://www.kabila.app/wallet) is an ecosystem wallet that offers deeply integrated functionality specific to the Hedera network and its associated ecosystems. * For desktop users, install the HashPack extension from the [Chrome Web Store](https://chromewebstore.google.com/detail/kabila-wallet/cnoepnljjcacmnjnopbhjelpmfokpijm). * For iOS users, download HashPack from the [Apple App Store](https://apps.apple.com/es/app/kabila-wallet/id6467106529). * For Android users, you can find HashPack on the [Google Play Store](https://play.google.com/store/apps/details?id=wallet.kabila.app). ## Connecting Wallets to Bonzo Finance ### **Desktop Browser + Chrome Extension Wallet (WalletConenct)** 1. From the [Bonzo Finance dashboard](/hub/bonzo-lend/bonzo-lend-quickstart), click on "Connect Wallet" and choose HashPack or Kabila. 2. The wallet's Chrome extension will open and request selection of a specific account. 3. Select the account you'd like to connect to Bonzo Finance and click "Approve" ### **Desktop Browser + Mobile Device Wallet (WalletConnect)** 1. From the [Bonzo Finance dashboard](/hub/bonzo-lend/bonzo-lend-quickstart) on your desktop device, click on "WalletConnect". 2. A "WalletConnect" modal will appear on screen. 3. Open the wallet on your mobile device and navigate to the wallet's "pairing" interface (usually a QR scanner or string input field). 4. Perform either of these actions: 1. Scan the QR code displayed on Bonzo Finance using the wallet's QR scan pairing functionality on your mobile, or 2. Copy the pairing string (top right of WalletConnect modal on your desktop) and paste it somewhere visible to manually type it into your mobile device's wallet as a "pairing string" 5. A list of accounts should appear — select the account you'd like to use with Bonzo Finance and tap "Approve" to connect your account. 6. The Bonzo Finance application in your Desktop browser will connect to that account. ### **HashPack's In-Wallet Dapp Browser** 1. If visiting Bonzo Finance from a mobile device, open the HashPack application. 2. After selecting an account, tap on "DAPPS" in the HashPack wallet navigation. 3. Scroll down to "Lending & Borrowing" and tap on "Bonzo Finance".
# Supply Assets After connecting your HashPack to the Bonzo Finance protocol, you can supply any supported asset to start earning yield and [Bonzo Points](/hub/staking-nfts-and-points/bonzo-points/season-one-points). ## **Desktop** 1. From the [Bonzo Finance dashboard](/hub/bonzo-lend/bonzo-lend-quickstart) scroll down to view the list of supported assets. 2. Find the asset you'd like to supply and click on the icon found on the right side of the table. 3. Click **Supply** and an on-screen modal will appear. 4. From within the modal, type in the amount you'd like to supply or click on the button to autofill the full amount held of the selected asset in the connected account. 5. Review the "Transaction overview" section of the modal to understand the impact of supplying the specified amount of this asset. 6. Click the **Supply \[Asset]** button to review and sign the required transaction(s) that appear within your connected wallet. 7. Once completed, the asset supplied and additional details will appear in the "Supplied" box of the Bonzo Finance dashboard. ## **Mobile** 1. Access the [Bonzo Finance dashboard](/hub/bonzo-lend/bonzo-lend-quickstart) from within the HashPack dApp browser. 2. Scroll down to view the list of supported assets. 3. Find the asset you'd like to supply and tap on it to view additional details. 4. Tap on the **Supply** button and an on-screen modal will appear. 5. From within the modal, type in the amount you'd like to supply or click on the button to autofill the full amount held of the selected asset in the connected account. 6. Review the "Transaction overview" section of the modal to understand the impact of supplying the specified amount of this asset. 7. Click the **Supply \[Asset]** button to review and sign the required transaction(s). 8. Once completed, the asset supplied and additional details will appear in the "Supplied" box of the Bonzo Finance dashboard. # Withdraw Assets Bonzo Finance offers users the flexibility to withdraw supplied assets at any time, provided those assets are not currently serving as collateral for outstanding loans. This feature ensures that users maintain control over their liquidity. Only assets not actively securing a loan can be withdrawn freely — if a user has borrowed against their supplied assets, they may need to repay their loan or adjust your position before initiating a withdrawal.\ \ Here's how to withdraw assets from Bonzo Finance: ## **Desktop** 1. From the [Bonzo Finance dashboard](/hub/bonzo-lend/bonzo-lend-quickstart) check the "Supplied" box to view all assets currently supplied. 2. Find the asset you'd like to withdraw and click on the icon found on the right side of the table. 3. Click **Withdraw** and an on-screen modal will appear. 4. From within the modal, type in the amount you'd like to withdraw or click on the button to autofill the full amount supplied. 5. Review the "Transaction overview" section of the modal to understand the impact of withrawing the specified amount of this asset. 6. Click the **Withdraw \[Asset]** button to review and sign the required transaction(s) that appear within your connected wallet. 7. Once completed, the asset will be withdrawn from the protocol and appear in your wallet. Refresh your wallet to reflect these changes. ## **Mobile** 1. Access the [Bonzo Finance dashboard](/hub/bonzo-lend/bonzo-lend-quickstart) from within the HashPack dApp browser. 2. Scroll down to view the "Supplied" section, which contains a list of assets currently supplied. 3. Find the asset you'd like to withdraw and tap on it to view additional details. 4. Tap on the **Withdraw** button and an on-screen modal will appear. 5. Type in the amount you'd like to withdraw or click on the button to autofill the full amount supplied. 6. Review the "Transaction overview" section of the modal to understand the impact of withdrawing the specified amount of this asset. 7. Click the **Withdraw \[Asset]** button to review and sign the required transaction(s). 8. Once completed, the asset will be withdrawn from the protocol and appear in your wallet. Refresh your wallet to reflect these changes. # Enable / Disable Collateral Enabling and disabling supplied assets as collateral allows for more nuanced control over one's lending and borrowing strategy within the protocol. Assets supplied to Bonzo Finance are enabled as collateral by default. This means that after an asset is supplied to the protocol, users can then borrow against a percentage of the total value supplied. This percentage is called the "loan-to-value ratio (LTV)" and varies for each asset based on its individual risk profile. It's important to note that assets supplied as collateral are only susceptible to liquidation if the user is borrowing other assets against its value. If you're not borrowing, your supplied assets cannot be liquidated, even if they are enabled as collateral. In addition, reward APYs continue to accrue when supplying an asset, even if it's disabled as collateral. Bonzo Finance allows users to "enable" or "disable" whether an asset supplied is used as collateral or not. There are a few reasons why a user might want to utilize this feature on a per-asset basis: 1. **Risk management**: By disabling an asset as collateral, you prevent it from being used to borrow against, which can help manage your overall risk exposure. 2. **Avoiding liquidation risk**: If you don't want a particular asset to be at risk of liquidation, you can disable it as collateral. 3. **Strategic borrowing**: You may want to use only specific assets as collateral based on your borrowing strategy or market conditions. 4. **Simplifying position management**: By limiting which assets are used as collateral, you can make it easier to track and manage your positions. 5. **Yield optimization**: Some users may prefer to keep certain high-yielding assets separate from their collateral pool to maximize returns without increasing borrowing capacity. ### Enabling & Disabling Assets as Collateral: 1. View the "Supplied" box in the Bonzo Finance interface. 2. Find the asset you'd like to enable or disable as collateral and click on its button in the table. 3. Click "Disable as Collateral" or "Enable as Collateral" from the drop-down menu. 4. An on-screen modal will appear confirming details of this transaction — once reviewed, click the "Disable as Collateral" or "Enable as Collateral" button. 5. Review the transaction in your connected wallet and approve. # Borrow Assets After supplying assets as collateral to Bonzo Finance, users can borrow any supported asset against a percentage of the supplied collateral value, known as the "loan-to-value (LTV)" ratio. ## **Desktop** 1. From the [Bonzo Finance dashboard](/hub/bonzo-lend/bonzo-lend-quickstart) scroll down to view the list of supported assets. 2. Find the asset you'd like to borrow and click on the icon found on the right side of the table. 3. Click **Borrow** and an on-screen modal will appear. 4. From within the modal, type in the amount of the selected asset you'd like to borrow. 5. Review the "Transaction overview" section of the modal to understand the impact of borrowing the specified amount of this asset. 6. Click the **Borrow \[Asset]** button to review and sign the required transaction(s) that appear within your connected wallet. 7. Once completed, the asset borrowed and additional details will appear in the "Borrowed" box of the Bonzo Finance dashboard. {% hint style="info" %} Borrowing assets against collateral has a direct impact on "health factor" — if a user's health factor drops below 1, the collateral supplied becomes susceptible to liquidation. It's important to regularly monitor borrow and supply positions. {% endhint %} ## **Mobile** 1. Access the [Bonzo Finance dashboard](/hub/bonzo-lend/bonzo-lend-quickstart) from within the HashPack dApp browser. 2. Scroll down to view the list of supported assets. 3. Find the asset you'd like to borrow and tap on it to view additional details. 4. Tap on the **Borrow** button and an on-screen modal will appear. 5. From within the modal, type in the amount of the selected asset you'd like to borrow. 6. Review the "Transaction overview" section of the modal to understand the impact of supplying the specified amount of this asset. 7. Click the **Borrow \[Asset]** button to review and sign the required transaction(s). 8. Once completed, the asset borrowed and additional details will appear in the "Borrowed" box of the Bonzo Finance dashboard. # Repay Loan Bonzo Finance allows users to repay their outstanding loans at any time. Repaying loans is crucial for maintaining a healthy position, reducing the risk of liquidation, and freeing up collateral for withdrawal. Here's how to repay a loan on Bonzo Finance: ## **Desktop** 1. From the [Bonzo Finance dashboard](/hub/bonzo-lend/bonzo-lend-quickstart) check the "Borrowed" section to view all borrow positions. 2. Find the loan you'd like to repay and click on the icon found on the right side of the table. 3. Click **Repay** and an on-screen modal will appear. 4. From within the modal, type in the amount you'd like to repay or click on the button to autofill the full amount of the position. Make sure you have enough of the asset in the connected account to repay the full amount if using "max". 5. Review the "Transaction overview" section of the modal to understand how repaying the loan will affect your position. 6. Click the **Repay \[Asset]** button to review and sign the required transaction(s) that appear within your connected wallet. 7. Once completed, the asset will be withdrawn from the connected account to repay the loan and your loan balance will be updated in the Bonzo Finance dashboard. Refresh your wallet to reflect these changes. ## **Mobile** 1. Access the [Bonzo Finance dashboard](/hub/bonzo-lend/bonzo-lend-quickstart) from within the HashPack dApp browser. 2. Scroll down to view the "Borrowed" section to view all borrow positions. 3. Find the loan you'd like to repay and tap on it to view additional details. 4. Tap on the **Repay** button and an on-screen modal will appear. 5. From within the modal, type in the amount you'd like to repay or click on the button to autofill the full amount of the position. Make sure you have enough of the asset in the connected account to repay the full amount if using "max". 6. Review the "Transaction overview" section of the modal to understand how repaying the loan will affect your position. 7. Click the **Repay \[Asset]** button to review and sign the required transaction(s). 8. Once completed, the asset will be withdrawn from the connected account to repay the loan and your loan balance will be updated in the Bonzo Finance dashboard. Refresh your wallet to reflect these changes. # Dashboard Metrics Explained The Bonzo Finance dashboard provides users with essential information about their lending and borrowing positions. Here's an overview of these metrics:

Bonzo Finance | Loan Health Monitor

TerminologyDescription
Loan Health Monitor BarThis bar represents the overall health of all current positions combined. It displays a user's current loan-to-value (LTV) ratio at the top.

Using a bar graph representation, the loan health monitor visualizes the overall health of user positions with four distinct regions:

🟢 Safe Zone LTV: Well collateralized (low risk).
🟡 Warning Zone LTV: Approaching borrowing limit (medium risk).
🟠 Danger Zone LTV: Exceeded borrowing limit (high risk).
🔴 Liquidation Zone LTV*: Eligible for liquidation.

*If the loan health bar is in the 🔴 Liquidation Zone LTV it's likely that collateral is in the process of being liquidated already.
Borrow PowerThis figure represents the maximum amount a user can borrow based on their supplied collateral. It fluctuates with market conditions, including the value of both supplied collateral and borrowed funds.
Net APYThis percentage shows a user's net earnings or costs from using the platform. It combines the interest earned from lending assets with the interest paid for borrowing assets. A positive number means a user is earning more interest than they are paying.
Health FactorA crucial metric for borrowers, the Health Factor indicates how close your position is to being liquidated. The higher this number, the safer your position. If it approaches 1, you're at risk of liquidation.
Loan-to-Value (LTV)This percentage indicates how much value a user has borrowed, relative to the value supplied as collateral. For example, if a user has supplied $1,000 worth of assets as collateral and borrowed $500 worth of assets, their current LTV would be 50%.
Liquidation LTVThis is the maximum LTV a user's position(s) can reach before being susceptible for liquidation. If a user's current LTV reaches this threshold, their collateral may be liquidated to repay their loan.
### **Understanding and Utilization of Metrics** * Users should regularly monitor their **Health Factor**. If it's decreasing, users should consider repaying some of their loan(s) or supplying more assets as collateral. * Use **Borrow Power** wisely — just because a user can borrow more, doesn't always mean they should. * Users should aim to keep **loan-to-value (LTV)** comfortably below the **Liquidation LTV** to maintain a safe position to prevent liquidations. * **Net APY** is an aggregate APY that combines all supply & borrow position APYs to determine an aggregate APY. A positive Net APY means that a user is earning more than they're paying in interest. * *Net APY does not factor in supplemental liquidity incentives (APYs with a ✨ next to them) or the usage of borrowed funds across other DeFi platforms outside of Bonzo Finance.* # Transaction History # Bonzo Lend Testnet Follow the instructions below to start using the testnet instance of Bonzo Finance on the Hedera testnet. {% hint style="info" %} The testnet instance of Bonzo Finance is available on desktop web browsers and mobile devices. {% endhint %} ### 🎒 Hedera Testnet Account Creation & Wallet Setup **Desktop** 1. Download and install the [HashPack](https://www.hashpack.app) wallet for the Chrome web browser 2. Create a Hedera testnet account using HashPack * *Be sure to check the "Testnet Account" box when creating your account* * *Your new testnet account will automatically have 100 testnet $HBAR — to receive more testnet $HBAR, please visit* [*https://portal.hedera.com/faucet*](https://portal.hedera.com/faucet) **Mobile** 1. Install the [HashPack](https://www.hashpack.app/) wallet on your mobile device 2. Create a Hedera testnet account using HashPack * *Be sure to check the "Testnet Account" box when creating your account* * *Your new testnet account will automatically have 100 testnet $HBAR — to receive more testnet $HBAR, please visit* [*https://portal.hedera.com/faucet*](https://portal.hedera.com/faucet) 3. Navigate to the "DAPPS" tab in the wallet and enter into the `Load custom dapp URL` field at the top of the section and press the `Load` button. 4. You'll be directed to connect your HashPack testnet wallet to the Bonzo Finance testnet dashboard.\ \ ***Note: Once the Bonzo Finance application is live on mainnet, it will receive a dapp listing in HashPack.*** ### 🪙 Get Testnet HTS Assets ($HBARX, $SAUCE, $XSAUCE, $USDC, $KARATE) 1. Join the official [Bonzo Finance Discord](https://www.bonzo.finance/discord) and navigate to the #testnet-faucet channel to receive testnet HTS assets to your testnet account in HashPack * *View the pinned message in the **#testnet-faucet** channel and follow those instructions to receive testnet HTS assets to your testnet account in HashPack* * *Alternatively, utilize the* [*testnet instance of SaucerSwap*](https://testnet.saucerswap.finance) *to swap testnet HBAR for supported ($HBARX, $SAUCE, $XSAUCE, $USDC, $KARATE) testnet HTS assets* ### 🧪 Using the Bonzo Finance Testnet Dashboard 1. Visit the testnet instance of Bonzo Finance at 2. Connect the testnet account in your HashPack Wallet by clicking on the "Connect Wallet" button and selecting your testnet account in the HashPack Wallet prompt. 3. You'll first need to supply testnet HTS assets to the protocol: * From the full list of supported assets at the bottom of the page, supply any amount of any supported asset available in your testnet account (wallet) by clicking the "Supply" button in the \[• • •] drop-down menu. * Please review and confirm these transaction(s) in your HashPack wallet to proceed. 4. After supplying assets to the protocol, you can now borrow assets up to your specified "borrow power" (displayed at the top of the dashboard): * From the full list of supported assets at the bottom of the page, borrow any supported asset by clicking the "Borrow" button in the \[• • •] drop-down menu. * Please review and confirm this transaction in your HashPack wallet to proceed. # Borrow Fees & Revenue As a decentralized lending and borrowing protocol, Bonzo Finance is committed to creating a robust and economically sustainable ecosystem that benefits all stakeholders. The protocol’s fee structure is designed to ensure the long-term viability of the protocol while providing attractive opportunities for target user personas. ## Protocol Fees At the core of Bonzo Finance's fee model are four distinct fee types that work together to ensure platform sustainability, incentivize optimal behavior, and protect all participants. These carefully calibrated fees maintain the protocol's financial health, compensate liquidity providers fairly, and create the right market dynamics for long-term growth while distributing value across the ecosystem. ### **Borrowing Rate** The Borrowing Rate is a dynamic (variable) and annualized interest rate (APY) that borrowers pay when taking loans from the protocol. Unlike fees that primarily benefit the protocol, borrowing rates primarily flow to suppliers (lenders) who provide the liquidity being borrowed, with only a portion (the [Reserve Factor](#reserve-factor)) going to the protocol itself. The most up-to-date interest rate models per asset are found in the [Risk Framework](https://docs.bonzo.finance/bonzo-risk-framework/liquidity-risk/actual-rates-and-parameters) documentation. * **Purpose**: To compensate suppliers for providing liquidity and to regulate market demand for borrowing based on supply and utilization * **Mechanism**: Dynamic rates that increase as utilization increases, incentivizing repayments during high utilization and encouraging borrowing during low utilization * **Calculation**: Uses a two-slope model based on utilization: * When utilization < optimal: Rate = Base + (Utilization/Optimal) × Slope1 * When utilization ≥ optimal: Rate = Base + Slope1 + ((Utilization-Optimal)/(1-Optimal)) × Slope2 * **Beneficiaries**: Primarily suppliers (lenders) of the asset, with a portion (Reserve Factor) going to the protocol treasury ### **Reserve Factor** The Reserve Factor Fee is a percentage of interest paid by borrowers that is allocated to the protocol's reserves and set on a per-asset basis. These reserves act as a safety buffer for the platform, creating a financial cushion that protects lenders from potential losses during market volatility or unexpected events. The most up-to-date Reserve Factor fee(s) per asset are found in the [Risk Framework](https://docs.bonzo.finance/bonzo-risk-framework/asset-risk/risk-parameters-per-asset) documentation. * **Purpose**: To build a protocol safety reserve that serves as the first line of defense against shortfall events * **Mechanism**: A fixed percentage of all interest payments made by borrowers is automatically directed to the protocol treasury * **Beneficiary**: The protocol treasury, which can be used by the Bonzo Finance DAO for various purposes, including but not limited to providing rewards to Safety Module participants ### **Liquidation Bonus** The Liquidation Bonus (sometimes referred to as Liquidation Fee from the borrower's perspective) is applied when a borrower's collateral is liquidated due to their position falling below the required collateralization ratio. This fee is a percentage of the liquidated collateral and is paid to the liquidator as an incentive for maintaining the health of the platform. The most up-to-date Liquidation Bonus fee(s) per asset are found in the [Risk Framework](https://docs.bonzo.finance/bonzo-risk-framework/asset-risk/risk-parameters-per-asset) documentation. * **Purpose**: To incentivize third-party liquidators to repay at-risk loans and maintain the solvency of the protocol. * **Mechanism**: When a position becomes undercollateralized, liquidators can repay a portion of the debt and receive the equivalent value plus a bonus in collateral assets. ### **Flash Loans** Flash Loans are uncollateralized loans that must be borrowed and repaid within a single blockchain transaction. The Flash Loan Fee is a fixed percentage charged on the borrowed amount for using this service. * **Purpose**: To generate revenue from users leveraging Flash Loans for arbitrage, liquidations, and other financial operations. * **Mechanism**: A fixed percentage (0.09%) of the total borrowed amount is charged when a Flash Loan is executed. * **Current Value**: 0.09% of the Flash Loan volume. * **Beneficiary**: The majority of the fee (excluding the asset's Reserve Factor) is distributed to liquidity providers of the respective asset. # APYs & Incentives When lending (supplying) an asset on Bonzo Finance, the asset is supplied into single-asset liquidity pool. For example, the HBAR market consists of an HBAR liquidity pool, which everyone supplies into. Inversely, users borrowing an asset from Bonzo Finance borrow it from same single-asset liquidity pools lenders supplied into. When supplying assets to Bonzo Finance, there are two types of rewards, a "Native APY" and a "Liquidity Incentives APY" (indicated by a ✨ icon in the dashboard, next to the native APY).
### 1. Native APY Rewards Every asset supported by Bonzo Finance offers a native APY for supplying. Native APYs are: * **Auto-compounding**: Supplied assets automatically earn compounding interest without any additional actions required. * **Variable**: The APY fluctuates primarily based on the utilization ratio of each pool (how much of the pool is being actively borrowed relative to its total supply) and the [interest rate models](https://docs.bonzo.finance/bonzo-risk-framework/liquidity-risk/actual-rates-and-parameters) for each asset pool. * **Real-time Accrual:** Interest accumulates continuously and is reflected in your balance. ### 2. Liquidity Incentive APY Rewards (✨) Some assets supported by Bonzo Finance offer liquidity incentives, in the form of an additive APY, for both supplying and borrowing — these rewards must be claimed by the user manually. Liquidity incentive APYs are: * **Bonus Rewards**: Indicated by a reward icon (✨) next to the base APY. * **Claimed Manually**: Unlike the native APY, these rewards must be manually claimed by clicking the "Claim" button at the top of your "Supplied" and "Borrowed" boxes in the dashboard. * **Consist of Multiple Asset Types**: Depending on the asset supplied or borrowed, you may receive rewards in different asset types, including HBAR, USDC, DOVU, KARATE, or others. # Liquidations Liquidations are a crucial mechanism in the Bonzo Finance protocol that helps maintain the health and stability of the lending and borrowing ecosystem. When a borrower's health factor drops below 1, indicating that their collateral value no longer sufficiently covers their loan value, their position becomes eligible for liquidation. This can happen when the value of the collateral decreases or the value of the borrowed debt increases relative to each other. During a liquidation, up to 50% of the borrower's debt is repaid, and the corresponding collateral value plus a liquidation fee is taken from the available collateral. ## Understanding the Liquidation Penalty The liquidation penalty, also known as the **liquidation bonus** for liquidators, is a variable percentage that depends on the asset(s) being used as collateral. You can find the **liquidation bonus** for each asset on the [analytics page](https://app.bonzo.finance/analytics) of the Bonzo Finance application. This fee serves as an incentive for liquidators to participate in the liquidation process and help maintain the stability of the platform. ## Liquidation Examples To better understand how liquidations work in Bonzo Finance, let's consider a couple of examples: ### **Example 1** 1. Alice deposits 1000 HBAR as collateral and borrows 500 HBAR worth of value in USDC. 2. If Alice's health factor falls below 1, her loan becomes eligible for liquidation. 3. A liquidator can repay up to 50% of her borrowed amount, which is 250 HBAR worth of USDC. 4. In return, the liquidator can claim the corresponding amount of HBAR collateral plus the liquidation bonus (e.g., 5%). In this case, the liquidator would claim 262.5 HBAR for repaying 250 HBAR worth of USDC. ### **Example 2** 1. Bob deposits 500 HBAR and 1000 SAUCE tokens as collateral and borrows 800 HBAR worth of value in USDC. 2. If Bob's health factor drops below 1, his loan becomes eligible for liquidation. 3. A liquidator can repay up to 50% of the borrowed amount, which is 400 HBAR worth of USDC. The liquidator can choose which collateral to claim based on the liquidation bonus. 4. If the liquidation bonus for SAUCE tokens (e.g., 10%) is higher than HBAR (e.g., 5%), the liquidator might opt to liquidate (claim) SAUCE tokens. In this case, the liquidator would claim 440 HBAR worth of SAUCE tokens for repaying 400 HBAR worth of USDC. ## Avoiding Liquidation To avoid liquidation, borrowers can take proactive steps to maintain a healthy collateral-to-debt ratio. This can be achieved by depositing additional collateral assets or repaying a portion of the outstanding loan. By default, loan repayments have a more significant impact on improving the health factor compared to depositing more collateral. Borrowers should closely monitor their health factor and aim to keep it well above 1 to provide a safety buffer against market fluctuations. Tools like HAL can help users track their health factor and receive notifications when it falls below a certain threshold. Additionally, services like Defi Saver offer auto-liquidation features to help borrowers manage their positions more effectively. It's important to be mindful of stablecoin price fluctuations due to market conditions, as they can impact the health factor. For example, if the market price of USDC deviates from its intended $1.00 peg, it can affect the collateral-to-debt ratio. ## Participating in the Liquidation Ecosystem Liquidations in Bonzo Finance are open to anyone, providing an opportunity for users to earn liquidation bonuses by repaying borrowers' debts and claiming their collateral. However, the liquidation process is highly competitive, with many liquidators developing custom solutions and bots to be the first to liquidate eligible loans. If you're interested in participating in the liquidation ecosystem, you can find more information in the [Liquidation Bots](/hub/developer/bonzo-lend/liquidation-bots-beta) section of the Bonzo Finance documentation hub. This section provides technical details and guidance on how to integrate liquidation functionality into your own applications or bots. # Bonzo Bridge Quickstart {% hint style="success" %} **Status**: Beta — fully functional. Issues can be reported in the [official Discord](https://bonzo.finance/discord). {% endhint %} [Bonzo Bridge](https://app.bonzo.finance/bridge) is a cross-chain bridge that allows users to move assets between **Hedera** and **supported EVM-compatible chains**. It is powered by [LayerZero](https://layerzero.network/)'s cross-chain messaging protocol, with Stargate providing the underlying liquidity and transfer layer for WETH. ### Overview The Bonzo Bridge simplifies the movement of assets between **Hedera** and the **broader EVM ecosystem**. Whether a user is bringing assets onto Hedera to deploy into [Bonzo Lend](https://app.bonzo.finance/lend) or [Bonzo Vaults](https://app.bonzo.finance/vaults), swapping them on [SaucerSwap](https://saucerswap.finance/), bridging back out to another chain, the bridge handles cross-chain transfer, routing, and (where applicable) automatic wrapping and unwrapping in a single flow. Access the bridge at [app.bonzo.finance/bridge](https://app.bonzo.finance/bridge) # Overview ### Bonzo Bridge Underlying Infrastructure * [LayerZero](https://layerzero.network/) provides the cross-chain messaging protocol that carries instructions and verification data between source and destination chains for all Bonzo Bridge supported networks and assets. * [Stargate](https://stargate.finance/?dstChain=hedera\&dstToken=0xCa367694CDaC8f152e33683BB36CC9d6A73F1ef2) is the issuer of the WETH LayerZero asset and acts as a supporting transfer layer, enabling things like auto-unwrapping of WETH on destination chains and taxi mode. Hedera EVM allows bridged assets to arrive on Hedera as standard ERC-20 tokens, interoperable with [Bonzo Lend](https://app.bonzo.finance/lend), [Bonzo Vaults](https://app.bonzo.finance/vaults), [SaucerSwap](https://saucerswap.finance), and the wider Hedera DeFi ecosystem. ### Taxi Mode Bonzo Bridge uses Stargate's [taxi mode](https://docs.stargate.finance/primitives/concepts/transport) by default. In taxi mode, each transaction is processed individually rather than batched with other users' transfers. This produces faster and more predictable delivery times, at the cost of being slightly more expensive than batched (bus) mode. Users do not need to configure this — taxi mode is applied automatically to every bridge transaction. ### Automatic Native ETH Delivery When a user bridges WETH to a chain that uses ETH as its native currency (Ethereum, Arbitrum, Base, or Optimism), the bridge automatically unwraps WETH and delivers native ETH to the destination wallet. No additional transactions or manual unwrapping steps are required. # Step-by-Step Guide ### Prerequisites * A Hedera wallet (for example, HashPack) or an EVM wallet (for example, MetaMask) connected to the Bonzo Finance application. * Native gas on the source chain to initiate the bridge transaction. * A small amount of native gas on the destination chain for any follow-up transactions (destination delivery gas itself is included in the bridging fee). ### Step-by-Step Instructions 1. Navigate to [app.bonzo.finance/bridge](https://app.bonzo.finance/bridge). 2. Connect wallet (MetaMask or ecosystem wallet via WalletConnect) to the Bonzo Finance application. 3. Click the **`+Destination`** button to manually input a destination EVM address to receive the bridged asset on your destination chain.

Please make sure the destination EVM address (whether manually inputted or the same EVM address of the connected account) on the destination chain is valid and accessible.

4. Select the source chain and asset you’d like to bridge in the **`From`** section. 5. Select the destination chain and asset you’d like to receive in the **`To`** section. 6. Enter an amount, or use the **`25%`** / **`50%`** / **`MAX`** quick-select buttons. 7. Review the displayed exchange rate and fee details. 8. Click the **`Confirm Bridge Transaction`** button and approve the transaction(s) in your wallet. 9. Track progress in the on-screen modal, including all links to network explorers and LayerZero Scan once bridging completes. 10. Review all previous bridge transactions for your connected account in the **`Recent Transactions`** box, below the bridging box, if applicable. ### Fees and Timing Bridge fees include a LayerZero / Stargate protocol fee. Source-chain gas is paid by the user as a normal transaction fee. Typical delivery times are a few minutes. Transfers involving Ethereum mainnet may take slightly longer due to block confirmation times. Exact timing depends on network congestion and the chains involved. ### Safety and Failed Transactions If a bridge transaction fails, user funds remain safe on the source chain. LayerZero's messaging protocol is designed so that assets are not lost in transit. If an issue occurs, users can: * Check the transaction status on [LayerZero Scan](https://layerzeroscan.com). * Open a ticket in the [official Bonzo Finance Discord](https://bonzo.finance/discord) for support. # Assets & Networks Assets bridged to Hedera via [Bonzo Bridge](https://app.bonzo.finance/bridge) arrive on the Hedera network as EVM ERC-20 assets — if you're holding an EVM ERC-20 asset in your account, it must be manually configured to display in HashPack, in order for you to "see" it in your wallet. If using MetaMask, these tokens should automatically appear. **Token addresses for all assets and networks supported by Bonzo Bridge are available in the table below.**\ \ **HashPack Instructions:** 1. Open HashPack wallet and select an account to view. 2. Directly above (and slightly left) of all your assets on display is a **+ Add Token** button — please click or tap this. 3. You should now see a **Or Enter a Token ID** input field in your wallet. 4. Please input the "EVM Address" of any asset (from the table below) that you'd like visible in your wallet, into the **Or Enter a Token ID** field. 5. Click or tap the **Associate Token** button. {% hint style="success" %} Note: Unlike token associations for HTS assets, "associating" an EVM ERC-20 asset in HashPack does not charge a network / transaction fee to your account. {% endhint %} ### Supported Assets At launch, the following ERC-20 assets can be bridged:
IconSymbolEVM AddressDescription

wETHHedera 0xca367694cdac8f152e33683bb36cc9d6a73f1ef2

Note: When bridging wETH to Arbitrum, Base, Optimism, and Ethereum, Bonzo Bridge automatically unwraps to native ETH. 		Wrapped Ethereum is a tokenized version of Ether (ETH), the native currency of the Ethereum blockchain. Auto-unwraps to native ETH when bridging to ETH-native destinations.

wBTC

Hedera
0xd7d4d91d64a6061fa00a94e2b3a2d2a5fb677849

Base

0x0555E30da8f98308EdB960aa94C0Db47230d2B9c

Optimism
0x68f180fcCe6836688e9084f035309E29Bf0A2095

Ethereum
0x2260FAC5E5542a773Aa44fBCfeDf7C193bc2C599

Wrapped Bitcoin is a tokenized version of Bitcoin (BTC). This asset is an official LayerZero OFT asset issued by BitGo.
USDT0Coming SoonComing Soon
Additional assets will be added over time based on community demand and asset availability. ### Supported Networks Bonzo Bridge currently supports transfers between the following EVM networks: * Hedera * Ethereum * Arbitrum * Base * Optimism Additional networks will be added over time based on demand and as supported Stargate / LayerZero endpoints expand. # Bonzo Vaults Quickstart #### What are Bonzo Vaults? **Bonzo Vaults** is an open source, non-custodial DeFi yield optimization protocol that helps both retail and institutional users earn more of the crypto-assets they hold, by automating the work of liquidity provision, reward harvesting, and compounding. **Instead of manually:** * Adding and removing liquidity across various DeFi protocols, * Manually managing liquidity ranges and concentrations in SaucerSwap v2 pools, and * Claiming rewards from multiple contracts and sources, You deposit into a Bonzo Vault once — from there, a strategy contract continuously and automatically puts those assets to work, auto-compounding the resulting yield and rewards on your behalf. **Under the hood, Bonzo uses a modular vault + strategy architecture:**
VaultsHold user deposits, mint and burn vault share tokens, and provide a stable interface for deposits and withdrawals.
StrategiesDecides how those deposits are deployed: into liquidity pools, farms, concentrated liquidity positions, and other yield sources.
# Vaults Explained ### What Is a Vault? In Bonzo, a **Vault** is the main user-facing primitive: it’s where you deposit assets so that a **strategy** can put them to work on your behalf. Operationally, a Bonzo Vault: * Accepts user deposits in a specific asset or asset pair (e.g. a DEX pair used in a [Dual Asset DEX](/hub/bonzo-vaults/vault-strategies/dual-asset-dex) strategy vault), * Mints vault share tokens that represent a proportional claim on everything the strategy owns, and * Delegates the actual yield generation (liquidity provision, fee collection, reward harvesting, compounding, range management, etc.) to one or more underlying strategies. Instead of manually managing liquidity ranges, harvesting rewards, swapping incentives back into the underlying tokens, and re-depositing over and over — users of Bonzo Vaults simply deposit into a vault once. The vault + strategy "stack" automates those workflows and compounds at a higher frequency than most users would reasonably do themselves. #### How Do Bonzo Vaults Earn? Bonzo Vaults are designed so that, over time, each share represents more of the underlying position. For example, in [**Dual Asset DEX**](/hub/bonzo-vaults/vault-strategies/dual-asset-dex) and [**Single Asset DEX**](/hub/bonzo-vaults/vault-strategies/single-asset-dex) strategy vaults, participants earn more of the underlying token pair they've deposited; for these two strategies, yield earned is maximized for depositors via three mechanisms: 1. Active management of liquidity deposited into the vault, which is routed to SaucerSwap v2 concentrated liquidity pool(s) and actively managed / rebalanced for continuous, tight concentration (captures more trading fees). 2. Auto-compounding of those trading fees earned. 3. Harvesting [SaucerSwap LARI rewards](https://docs.saucerswap.finance/protocol/saucerswap-v2#liquidity-aligned-reward-initiative-lari), swapping (as needed) into each vault's underlying token pair, and distributing amongst vault participants. #### Are Funds Locked in a Vault? Despite the name, **Bonzo Vaults do not lock user funds**: * **Withdrawals** from a vault can take place at any time; for specific vaults, there may be a 0.5% withdrawal fee configured to prevent flash loan abuse / exploitation — if a vault has a withdrawal fee configured, it will state this very clearly in the deposit interface's fee section * **Deposits** into a vault can take place at any time — subject only to temporary "calm periods" for certain vaults, during periods of underlying asset TWAP (time-weighted average price) volatility. * Bonzo Finance **does not custody any assets** — funds are always self-custody and controlled by audited smart contracts; wallet addresses holding a vault's liquidity pool tokens are the owner of vault shares, which map to a proportional slice of the vault’s assets. Vaults are designed as medium to long-term yield tools. The benefits of compounding are maximally realized when positions are allowed to run through multiple harvest cycles, rather than being entered and exited frequently. # Concentrated Liquidity Explained The [Dual Asset DEX](/hub/bonzo-vaults/vault-strategies/dual-asset-dex) and [Single Asset DEX](/hub/bonzo-vaults/vault-strategies/single-asset-dex) strategy vaults route and actively manage vault deposits in underlying [SaucerSwap](https://saucerswap.finance/) V2 (decentralized exchange) pools, called **concentrated liquidity** pools. Found below is an explanation of how concentrated liquidity pools work. ### What Is Concentrated Liquidity On Decentralized Exchanges? Traditional automated market makers (AMMs) like **SaucerSwap v1-style pools** spread liquidity across **all prices from 0 → ∞**. Liquidity suppliers earn trading fees, but most of their capital "sits" where the market never trades. **Concentrated Liquidity (SaucerSwap v2-Style Pools) Changes This:** * Instead of liquidity existing everywhere, the liquidity supplier chooses a **price range** (a band) where their liquidity lives. * Inside that band, their liquidity is “thicker,” so they earn **more fees per dollar** of capital. * If the market price moves outside of their band, the liquidity goes **out of range** and stops earning fees. **Concentrated Liquidity is Powerful but Introduces Two Problems for Users:** 1. The user has to **decide a range**, and keep adjusting / maintaining it manually as the price moves — if they don't, the user misses out on potential yield earnings and may experience impermanent loss. 2. Positions are represented as **NFTs**, with custom interfaces rather than simple “fungible LP tokens". The **Dual Asset DEX** vault strategy exist to solve exactly this: let liquidity providers tap into higher yield opportunities offered by concentrated liquidity pools, while the vault strategy automatically handles range management and rebalancing. # Connect Wallet Bonzo Finance supports connectivity with Hedera ecosystem wallets via WalletConnect, as well as MetaMask.\ \ If you're looking to get started using MetaMask, check out the [HBAR Guide for MetaMask and free $HBAR faucet](https://hbar.guide/#wallets). ### HashPack Wallet [HashPack](https://www.hashpack.app/) is an ecosystem wallet that offers deeply integrated functionality specific to the Hedera network and its associated ecosystems. For detailed, step-by-step instructions on setting up your HashPack wallet, visit [How to Create Your First Account with HashPack](https://www.hashpack.app/post/how-to-create-your-first-account-with-hashpack). * For desktop users, install the HashPack extension from the [Chrome Web Store](https://chrome.google.com/webstore/detail/hashpack/gjagmgiddbbciopjhllkdnddhcglnemk). * For iOS users, download HashPack from the[ Apple App Store](https://apps.apple.com/us/app/hashpack/id6444389849). * For Android users, you can find HashPack on the[ Google Play Store](https://play.google.com/store/apps/details?id=app.hashpack.wallet.twa). ### Kabila Wallet [Kabila](https://www.kabila.app/wallet) is an ecosystem wallet that offers deeply integrated functionality specific to the Hedera network and its associated ecosystems. * For desktop users, install the HashPack extension from the [Chrome Web Store](https://chromewebstore.google.com/detail/kabila-wallet/cnoepnljjcacmnjnopbhjelpmfokpijm). * For iOS users, download HashPack from the [Apple App Store](https://apps.apple.com/es/app/kabila-wallet/id6467106529). * For Android users, you can find HashPack on the [Google Play Store](https://play.google.com/store/apps/details?id=wallet.kabila.app). ## Connecting Wallets to Bonzo Finance ### **Desktop Browser + Chrome Extension Wallet (WalletConenct)** 1. From the [Bonzo Finance dashboard](/hub/bonzo-lend/bonzo-lend-quickstart), click on "Connect Wallet" and choose HashPack or Kabila. 2. The wallet's Chrome extension will open and request selection of a specific account. 3. Select the account you'd like to connect to Bonzo Finance and click "Approve" ### **Desktop Browser + Mobile Device Wallet (WalletConnect)** 1. From the [Bonzo Finance dashboard](/hub/bonzo-lend/bonzo-lend-quickstart) on your desktop device, click on "WalletConnect". 2. A "WalletConnect" modal will appear on screen. 3. Open the wallet on your mobile device and navigate to the wallet's "pairing" interface (usually a QR scanner or string input field). 4. Perform either of these actions: 1. Scan the QR code displayed on Bonzo Finance using the wallet's QR scan pairing functionality on your mobile, or 2. Copy the pairing string (top right of WalletConnect modal on your desktop) and paste it somewhere visible to manually type it into your mobile device's wallet as a "pairing string" 5. A list of accounts should appear — select the account you'd like to use with Bonzo Finance and tap "Approve" to connect your account. 6. The Bonzo Finance application in your Desktop browser will connect to that account. ### **HashPack's In-Wallet Dapp Browser** 1. If visiting Bonzo Finance from a mobile device, open the HashPack application. 2. After selecting an account, tap on "DAPPS" in the HashPack wallet navigation. 3. Scroll down to "Lending & Borrowing" and tap on "Bonzo Finance".
# ERC-20 Token Display The Hedera ecosystem supports both **Hedera Token Service (HTS)** assets, as well as **EVM ERC-20** assets — including bridged assets, like wETH or wBTC via **Stargate (LayerZero)**, as well as liquidity pool receipt tokens issued by **Bonzo Vaults** or **Bonzo Lend**. How these tokens display in your wallet depends on which wallet you use. MetaMask automatically displays EVM ERC-20 assets but [**HashPack**](https://hashpack.app/) requires you to add them to be displayed manually. {% hint style="info" %} **Select the tabbed asset categories below for specific addresses and instructions on how to display EVM ERC-20 assets in HashPack.** {% endhint %} {% tabs %} {% tab title="Bridged EVM Assets" %} **Assets bridged to Hedera via LayerZero (using the Stargate bridge) arrive on the Hedera network as EVM ERC-20 assets — if you're holding an EVM ERC-20 asset in your account, it must be manually configured to display in HashPack, in order for you to "see" it in your wallet. If using MetaMask, the tokens should automatically appear.**\ \ **HashPack Instructions:** 1. Open HashPack wallet and select an account to view. 2. Directly above (and slightly left) of all your assets on display is a **+ Add Token** button — please click or tap this. 3. You should now see a **Or Enter a Token ID** input field in your wallet. 4. Please input the "EVM Address" of any asset (from the table below) that you'd like visible in your wallet, into the **Or Enter a Token ID** field. 5. Click or tap the **Associate Token** button. {% hint style="success" %} Note: Unlike token associations for HTS assets, "associating" an EVM ERC-20 asset in HashPack does not charge a network / transaction fee to your account. {% endhint %}
IconSymbolEVM AddressDescription

wETHHedera 0xca367694cdac8f152e33683bb36cc9d6a73f1ef2

Note: When bridging wETH to Arbitrum, Base, Optimism, and Ethereum, Bonzo Bridge automatically unwraps to native ETH. 		Wrapped Ethereum is a tokenized version of Ether (ETH), the native currency of the Ethereum blockchain. This version of wETH is issued by LayerZero and can be bridged using Stargate Finance.

wBTC

Hedera
0xd7d4d91d64a6061fa00a94e2b3a2d2a5fb677849

Base

0x0555E30da8f98308EdB960aa94C0Db47230d2B9c

Optimism
0x68f180fcCe6836688e9084f035309E29Bf0A2095

Ethereum
0x2260FAC5E5542a773Aa44fBCfeDf7C193bc2C599

Wrapped Bitcoin is a tokenized version of Bitcoin (BTC) that runs on the Ethereum (ETH) blockchain. This version of wBTC is issued by LayerZero and can be bridged using Stargate Finance.
{% endtab %} {% tab title="Bonzo Lend LP Tokens" %} **When assets are supplied to or borrowed from the Bonzo Lend protocol, the user also receives EVM ERC-20 "receipt" tokens that represent the user's supply and debt. These tokens are "invisible" to HashPack wallet and** [**Hashscan**](https://hashscan.io/) **explorer — however, you can make them visible in HashPack wallet, with unique token icons, by following the instructions below.**\ \ **HashPack Instructions:** 1. Open HashPack wallet and select an account to view. 2. Directly above (and slightly left) of all your assets on display is a **+ Add Token** button — please click or tap this. 3. You should now see a **Or Enter a Token ID** input field in your wallet. 4. Please input the "EVM Address" of any asset (from the table below) that you'd like visible in your wallet, into the **Or Enter a Token ID** field. 5. Click or tap the **Associate Token** button. {% hint style="success" %} Note: Unlike token associations for HTS assets, "associating" an EVM ERC-20 asset in HashPack does not charge a network / transaction fee to your account. {% endhint %} {% tabs %} {% tab title="Supply LP Tokens" %}
Token SymbolEVM AddressDescription
aToken
BONZO		0xC5aa104d5e7D9baE3A69Ddd5A722b8F6B69729c9This Bonzo Lend receipt token represents a supply of the $BONZO asset.
aToken
HBAR		0x6e96a607F2F5657b39bf58293d1A006f9415aF32This Bonzo Lend receipt token represents a supply of the $HBAR asset.
aToken
HBARX		0x40EBC87627Fe4689567C47c8C9C84EDC4Cf29132This Bonzo Lend receipt token represents a supply of the $HBARX asset.
aToken
USDC		0xB7687538c7f4CAD022d5e97CC778d0b46457c5DBThis Bonzo Lend receipt token represents a supply of the $USDC asset.
aToken
WETH		0x6f3FBff04314573e5A2f4eD6dcEf3aA709ab8eD0This Bonzo Lend receipt token represents a supply of the $WETH (LayerZero OFT) asset.
aToken
SAUCE		0x2bcC0a304c0bc816D501c7C647D958b9A5bc716dThis Bonzo Lend receipt token represents a supply of the $SAUCE asset.
aToken
XSAUCE		0xEc9CEF1167b4673726B1e5f5A978150e63cDf23bThis Bonzo Lend receipt token represents a supply of the $XSAUCE asset.
aToken
KARATE		0x98262552C8246Ffb55E3539Ceb51838912402959This Bonzo Lend receipt token represents a supply of the $KARATE asset.
aToken
STEAM		0x46BEf910150a3880ce6eAC60A059E70494A4805eThis Bonzo Lend receipt token represents a supply of the $STEAM asset.
aToken
PACK		0x5F98C43ce4b4765638d69B4a2407a2186A347CB9This Bonzo Lend receipt token represents a supply of the $PACK asset.
aToken
DOVU		0x89D2789481cB4CB5B6949Ff55EBA5629c5bC5B1EThis Bonzo Lend receipt token represents a supply of the $DOVU asset.
aToken
HST		0x2e63e864AAD2ce87b45d2C93bc126850DC5122c9This Bonzo Lend receipt token represents a supply of the $HST asset.
aToken
GRELF		0xb8c34c9a46AEdf1decb846F942861EeE7dE78075This Bonzo Lend receipt token represents a supply of the $GRELF asset.
aToken
KBL		0x6a74429E0D761085C4D5520A14ab59874dfe1C06This Bonzo Lend receipt token represents a supply of the $KBL asset.
{% endtab %} {% tab title="Borrow (Debt) LP Tokens" %}
Token SymbolEVM AddressDescription
debtToken
BONZO		0x1790C9169480c5C67D8011cd0311DDE1b2DC76e0This Bonzo Lend receipt token represents debt (borrowing) of the $BONZO asset.
debtToken
HBAR		0xCD5A1FF3AD6EDd7e85ae6De3854f3915dD8c9103This Bonzo Lend receipt token represents debt (borrowing) of the $HBAR asset.
debtToken
HBARX		0xF4167Af5C303ec2aD1B96316fE013CA96Eb141B5This Bonzo Lend receipt token represents debt (borrowing) of the $HBARX asset.
debtToken
USDC		0x8a90C2f80Fc266e204cb37387c69EA2ed42A3cc1This Bonzo Lend receipt token represents debt (borrowing) of the $USDC asset.
debtToken
WETH		0x5451A5863b3d6b672610CE5923Eb1eC0bB8FCa51This Bonzo Lend receipt token represents debt (borrowing) of the $WETH asset.
debtToken
SAUCE		0x736c5dbB8ADC643f04c1e13a9C25f28d3D4f0503This Bonzo Lend receipt token represents debt (borrowing) of the $SAUCE asset.
debtToken
XSAUCE		0x08c816eC7aC0580c802151E4efFbDa687f7Cac2aThis Bonzo Lend receipt token represents debt (borrowing) of the $XSAUCE asset.
debtToken
KARATE		0xB6209F33982CE99139Ab325b13B260d32287A807This Bonzo Lend receipt token represents debt (borrowing) of the $KARATE asset.
debtToken
STEAM		0xdFD1D43cbd700AEC5bcc151d028274412d31db70This Bonzo Lend receipt token represents debt (borrowing) of the $STEAM asset.
debtToken
PACK		0x63c7EF5398E8Fe23D95E762802F011590A7816a1This Bonzo Lend receipt token represents debt (borrowing) of the $PACK asset.
debtToken
DOVU		0x9d81E1676A7e116ec725208DdeAB11929eA3F7A6This Bonzo Lend receipt token represents debt (borrowing) of the $DOVU asset.
debtToken
HST		0xdc6e9E967648cd28E8BaF2EB1124ef7C9C5Bd027This Bonzo Lend receipt token represents debt (borrowing) of the $HST asset.
debtToken
GRELF		0x0E509Fc72f4b5d97494c0d45fcd1cF04d531Be44This Bonzo Lend receipt token represents debt (borrowing) of the $GRELF asset.
debtToken KBL0xC45A34b9D9e29fBfCAACC9193FD0CE950e63Ba81This Bonzo Lend receipt token represents debt (borrowing) of the $KBL asset.
{% endtab %} {% endtabs %} {% endtab %} {% tab title="Bonzo Vaults LP Tokens" %} **When assets are deposited into a Bonzo Vault — regardless of strategy (Dual Asset DEX, Single Asset DEX, or Leveraged LST) — the user receives EVM ERC-20 "receipt" tokens that represent the user's proportional share of the vault. These tokens are "invisible" to HashPack wallet and** [**Hashscan**](https://hashscan.io/) **explorer — however, you can make them visible in HashPack wallet, with unique token icons, by following the instructions below.**\ \ **HashPack Instructions:** 1. Open HashPack wallet and select an account to view. 2. Directly above (and slightly left) of all your assets on display is a **+ Add Token** button — please click or tap this. 3. You should now see a **Or Enter a Token ID** input field in your wallet. 4. Please input the "EVM Address" of any asset (from the table below) that you'd like visible in your wallet, into the **Or Enter a Token ID** field. 5. Click or tap the **Associate Token** button. {% hint style="success" %} Note: Unlike token associations for HTS assets, "associating" an EVM ERC-20 asset in HashPack does not charge a network / transaction fee to your account. {% endhint %} {% tabs %} {% tab title="Single Asset DEX" %}
VaultLP Token EVM AddressDescription
USDC
(Paired with HBAR)		0x1b90B8f8ab3059cf40924338D5292FfbAEd79089Bonzo Vaults liquidity pool token that represents $USDC (paired with $HBAR) using the Single Asset DEX strategy.
HBAR
(Paired with USDC)		0xebaFaBBD6610304d7ae89351C5C37b8cf40c76eBBonzo Vaults liquidity pool token that represents $HBAR (paired with $USDC) using the Single Asset DEX strategy.
DOVU
(Paired with HBAR)		0x072bC950618A4e286683886eBc01C73090BC1C8aBonzo Vaults liquidity pool token that represents $DOVU (paired with $HBAR) using the Single Asset DEX strategy.
HBAR
(Paired with DOVU)		0xEf55ABc71271dceaE4880b9000402a4b3F87D1eABonzo Vaults liquidity pool token that represents $HBAR (paired with $DOVU) using the Single Asset DEX strategy.
HBAR
(Paired with SAUCE)		0xc883F70804380c1a49E23A6d1DCF8e784D093a3fBonzo Vaults liquidity pool token that represents $HBAR (paired with $SAUCE) using the Single Asset DEX strategy.
SAUCE
(Paired with HBAR)		0x8e253F359Ba5DDD62644b1e5DAbD3D7748fb8193Bonzo Vaults liquidity pool token that represents $SAUCE (paired with $HBAR) using the Single Asset DEX strategy.
HBAR
(Paired with JAM)		0x55958da8d5aC662aa8eD45111f170C3D8e4fCB3bBonzo Vaults liquidity pool token that represents $HBAR (paired with $JAM) using the Single Asset DEX strategy.
JAM
(Paired with HBAR)		0x26C770f89d320Da2c2341cbf410F132f44eF70CDBonzo Vaults liquidity pool token that represents $JAM (paired with $HBAR) using the Single Asset DEX strategy.
HBAR
(Paired with BONZO)		0xd406F0C0211836dbcA3EbF3b84487137be400E57Bonzo Vaults liquidity pool token that represents $HBAR (paired with $BONZO) using the Single Asset DEX strategy.
BONZO
(Paired with HBAR)		0x5D1e9BCAe2c171c0C8aF697Bdd02908f280716bcBonzo Vaults liquidity pool token that represents $BONZO (paired with $HBAR) using the Single Asset DEX strategy.
BONZO
(Paired with XBONZO)		0x8F6A6441D5Bb2AFD8063181Da52363B9d568F5BEBonzo Vaults liquidity pool token that represents $BONZO (paired with $XBONZO) using the Single Asset DEX strategy.
xBONZO
(Paired with BONZO)		0x938697BaAC6d574f77b848C4B98BfED0ec44a8B2Bonzo Vaults liquidity pool token that represents $XBONZO (paired with $BONZO) using the Single Asset DEX strategy.
HBAR
(Paired with PACK)		0xd1893FcFB1dbEbCCAa6813993074fEfb1569FA5FBonzo Vaults liquidity pool token that represents $HBAR (paired with $PACK) using the Single Asset DEX strategy.
PACK
(Paired with HBAR)		0xACd982eE8b869f11aa928c4760cC3C0D4f30a6d3Bonzo Vaults liquidity pool token that represents $PACK (paired with $HBAR) using the Single Asset DEX strategy.
USDC
(Paired with WETH)		0x0Db93Cfe4BA0b2A7C10C83FBEe81Fd2EFB871864Bonzo Vaults liquidity pool token that represents $USDC (paired with $WETH from Stargate bridge) using the Single Asset DEX strategy.
wETH
(Paired with USDC)		0x31403d085C601F49b9644a4c9a493403FA14ABfeBonzo Vaults liquidity pool token that represents $WETH from Stargate bridge (paired with $USDC) using the Single Asset DEX strategy.
HBAR
(Paired with WBTC)		0xe716bb7cf4cf69f94d3ce4cf0115e76368107fcaBonzo Vaults liquidity pool token that represents $HBAR (paired with $WBTC from Stargate bridge) using the Single Asset DEX strategy.
wBTC
(Paired with HBAR)		0x4431a822e59e12cea7fa614791ae39fe8b931d0fBonzo Vaults liquidity pool token that represents $WBTC from Stargate bridge (paired with $HBAR) using the Single Asset DEX strategy.
HBAR
(Paired with WETH)		0x6450ca2ee98454c305c40dd478307b17cea9a882Bonzo Vaults liquidity pool token that represents $HBAR (paired with $WETH from Stargate bridge) using the Single Asset DEX strategy.
wETH
(Paired with HBAR)		0x3bcbae5374ec9114ba066c89fc79fbb98f2d7413Bonzo Vaults liquidity pool token that represents $WETH from Stargate bridge (paired with $HBAR) using the Single Asset DEX strategy.

USDC

(Paired with WBTC)

0x15f9107b69ab7f7fa537b919f0f1f20038bf4a67Bonzo Vaults liquidity pool token that represents $USDC (paired with $WBTC from Stargate Bridge) using the Single Asset DEX strategy.
wBTC
(Paired with USDC)		0x6b068a06a23edc1de4f63c4d421e57d71e33573dBonzo Vaults liquidity pool token that represents $WBTC from Stargate bridge (paired with $USDC) using the Single Asset DEX strategy.
USDC-USDC[hts]0x9696F2e42ce65f2c5BF26377391AFE2DbD0f8A14Bonzo Vaults liquidity pool token that represents $USDC (paired with $USDC[hts] from HashPort bridge) using the Single Asset DEX strategy.
USDC[hts]-USDC0x0d634505888469e0f807Be901C9649565C3fA7BBBonzo Vaults liquidity pool token that represents $USDC[hts] from HashPort bridge (paired with $USDC) using the Single Asset DEX strategy.
{% endtab %} {% tab title="Dual Asset DEX" %}
VaultLP Token EVM AddressDescription
USDC-HBAR Dual Vault0x724F19f52A3E0e9D2881587C997db93f9613B2C7Bonzo Vaults liquidity pool token that represents $USDC / $HBAR using the Dual Asset DEX strategy.
USDC-SAUCE Dual Vault0x0171baa37fC9f56c98bD56FEB32bC28342944C6eBonzo Vaults liquidity pool token that represents $USDC / $SAUCE using the Dual Asset DEX strategy.
BONZO-XBONZO Dual Vault0xcfba07324bd207C3ED41416a9a36f8184F9a2134Bonzo Vaults liquidity pool token that represents $SAUCE / $XSAUCE using the Dual Asset DEX strategy.
SAUCE-XSAUCE Dual Vault0x8AEE31dFF6264074a1a3929432070E1605F6b783Bonzo Vaults liquidity pool token that represents $BONZO / $XBONZO using the Dual Asset DEX strategy.
{% endtab %} {% tab title="Leveraged LST" %}
VaultLP Token EVM AddressDescription
HBARX Leveraged LST0x10288A0F368c82922a421EEb4360537b93af3780Bonzo Vaults liquidity pool token that represents $HBARX using the Leveraged Liquid Staking Token (LST) strategy.
{% endtab %} {% endtabs %} {% endtab %} {% endtabs %} # Deposit Assets # Withdraw Assets # Vault Strategies #### What Is a Vault Strategy? In Bonzo Vaults, a **strategy** is a modular smart contract that decides **how** the assets in a vault are put to work. You can view details about each strategy supported by Bonzo Vaults in this section of the documentation. When users deposit into a vault, the vault holds the deposits and handles all of the accounting (minting/burning vault share tokens, tracking deposits/withdrawals, etc.). The strategy then takes those pooled assets and: * Routes them into underlying liquidity pools and farms on partner protocols (such as SaucerSwap), * Collects any trading fees and incentive rewards generated by those positions, and * Periodically harvests and reinvests those rewards back into the position (auto-compounding). When enough rewards have built up for it to be efficient, the strategy runs a “harvest” flow: it claims rewards, swaps them back into the vault’s underlying asset(s), and redeploys that capital into the liquidity pool and/or farm. Over time, this is what causes each vault share to be backed by more of the underlying tokens. Each strategy is generally unique: it targets a specific combination of assets, pools, and protocols. Because of this, every strategy needs its own testing and review before being deployed to production. Since strategies are the component that actively interacts with external protocols, they are also where extrinsic risk lives — for example, a bug or exploit in a third-party contract. To help manage this, strategies typically include safety controls, such as: * An **`emergency withdrawal`** mode that pulls funds out of external contracts and holds them safely inside the strategy, and * The ability to **`pause`** and **`resume`** normal operations if abnormal behavior or elevated risk is detected. These controls are designed to give the Bonzo team and community tooling to react quickly if something goes wrong in an integrated protocol, even though the underlying risk can never be fully removed. # Single Asset DEX The **Single Asset DEX** vault strategy allows anyone to earn yield from **concentrated liquidity pools** on partner DEXs (like [SaucerSwap](https://saucerswap.finance/)), without having to manage ranges, NFTs, or rebalance positions themself. Under the hood, **Single Asset DEX** strategy vaults are liquidity management contracts that takes a **single asset deposit**, creates concentrated-liquidity positions for it, and actively keeps all positions in a "productive price range". **Single Asset DEX** vaults operate **four strategy types —** depending on the type of underlying pool assets and their volatility — each of which is described in the section below. **How the Single Asset DEX vault strategy works:** * Deposit a single token (which gets paired with its underlying pool asset), * Receive fungible vault share tokens representing your share of the vault, and * Over time, your share is backed by more of both underlying tokens as fees are earned and reinvested (auto-compounding). The complexity and maintenance of concentrated liquidity management is entirely automated inside of the vault strategy. {% hint style="info" %} **Note:** Upon **deposit of a single asset** into a **Single Asset DEX** strategy vault — the strategy automatically converts ***some*** of the single asset deposited into the asset it's paired with in the underlying pool; prior to initiating a deposit, the interface will display how much of the asset will be converted to its pair.\ \ You can track how the ratio of the two assets change over time, right from the vault interface. **Upon** **withdraw from the vault** you will receive a ratio of both tokens, which is displayed on the vault's interface prior to initiating a withdraw. {% endhint %} ### Impermanent Loss While Single Asset DEX and [Dual Asset DEX](/hub/bonzo-vaults/vault-strategies/single-asset-dex) vaults automate the complex task of liquidity provisioning, they do not eliminate the underlying economic risks of decentralized exchange (DEX) pools. Providing liquidity — even with a single asset — exposes the deposit to Impermanent Loss (IL) and market volatility. In the context of a Single Asset vault, Impermanent Loss is best understood as the difference between the value of your vault position versus simply holding 100% of your deposited asset in a wallet. #### **How the Single Asset DEX Strategy Mitigates Risk** Unlike the [Dual Asset DEX](/hub/bonzo-vaults/vault-strategies/single-asset-dex) strategy that typically aim to maintain a neutral 50/50 split, the Single Asset DEX strategy utilizes Inventory Management logic designed to favor your deposited token. * **Unbalanced Liquidity:** The strategy often concentrates liquidity in an "unbalanced" range that biases exposure toward the asset you deposited; this attempts to minimize "selling into strength" (selling your rising asset) compared to a standard 50/50 pool. * **Active Boundary Management:** As prices move, the vault algorithmically adjusts its price ranges. This "active management" aims to keep your capital working and earning fees high enough to outpace the effects of divergence loss (IL). * **Volatility Dampening:** By automating the rebalancing process, the strategy prevents the "whipsaw" effect often suffered by manual users who trade back and forth too frequently during chop. #### **What Users Should Expect** Despite mitigation efforts, Impermanent Loss (IL) is still possible. * **Asset Composition Changes:** To earn yield, the vault must facilitate trades against your asset. This means if the price of your deposited asset rises significantly against its pair, the vault may gradually sell a portion of it to maintain a productive range. Conversely, if the price drops, the vault may accumulate more of the deposited asset ("buying the dip"). * **Withdrawal Ratio:** You should expect to withdraw a combination of both the deposited asset and its paired asset. The exact ratio will depend on the market conditions at the time of withdrawal. * **Net Outcome:** The goal of the Single Asset DEX strategy is for the accumulated trading fees to exceed any impermanent loss incurred during the deposit period, resulting in a net profit in terms of the deposited asset. However, in extreme volatility where price direction is sustained and severe, the value of the vault share (in USD terms) could theoretically be lower than holding the single asset alone. # Strategy Types ### Single Asset DEX Strategies The following strategies are applicable to Single Asset DEX vaults deployed on the Hedera network. To view which vaults utilize each of these strategies, please visit [Deployed Vaults](/hub/bonzo-vaults/vault-strategies/single-asset-dex/deployed-vaults).

Low Volatility | Ultra-Tight

Stable pairs. Ultra-tight positioning maximizes capital efficiency. Minimal impermanent loss risk.

Volatility
🟢 Low


Liquidity Concentration
0.01% - 0.3% (Ultra-Tight Range)

Best For
Stablecoin Asset with Stablecoin


Examples
USDC/USDC , USDC/DAI

Medium Volatility | Narrow

LST and base asset pairs. Narrow range balances fees with low rebalancing. Conservative approach.

Volatility
🟡 🟡 Medium


Liquidity Concentration
0.3% - 5% (Narrow Range)

Best For
Liquid Staking Asset with Base Asset

Examples
BONZO/XBONZO, HBAR/HBARX

High Volatility | Medium

Volatile uncorrelated pairs. Tighter positioning for aggressive fee capture. Requires more active management.

Volatility
🟠 🟠 🟠 High

Liquidity Concentration
10-30% (Medium Range)

Best For
Volatile Asset with Uncorrelated Volatile Asset

Examples
HBAR/SAUCE, HBAR/WETH

High Volatility | Wide

Volatile uncorrelated assets paired with a stablecoin. Wide range protects asset inventory during extreme price swings.

Volatility
🟠 🟠 🟠 High

Liquidity Concentration
30%+ (Wide Range)

Best For
Volatile Asset with Stablecoin

Examples
USDC/wETH, USDC/HBAR

### # Deployed Vaults ### Single Asset DEX Strategy Vaults
Vault NameStrategy TypeLP Token Address
JAM
(Paired with HBAR)		High Volatility | Wide0x26C770f89d320Da2c2341cbf410F132f44eF70CD
HBAR
(Paired with JAM)		High Volatility | Wide0x55958da8d5aC662aa8eD45111f170C3D8e4fCB3b
PACK
(Paired with HBAR)		High Volatility | Medium0xACd982eE8b869f11aa928c4760cC3C0D4f30a6d3
HBAR
(Paired with PACK)		High Volatility | Medium0xd1893FcFB1dbEbCCAa6813993074fEfb1569FA5F
BONZO
(Paired with XBONZO)		Medium Volatility | Narrow0x8F6A6441D5Bb2AFD8063181Da52363B9d568F5BE
XBONZO
(Paired with BONZO)		Medium Volatility | Narrow0x938697BaAC6d574f77b848C4B98BfED0ec44a8B2
BONZO
(Paired with HBAR)		High Volatility | Medium0x5D1e9BCAe2c171c0C8aF697Bdd02908f280716bc
USDC
(Paired with HBAR)		High Volatility | Wide0x1b90B8f8ab3059cf40924338D5292FfbAEd79089
HBAR
(Paired with USDC)		High Volatility | Wide0xebaFaBBD6610304d7ae89351C5C37b8cf40c76eB
DOVU
(Paired with HBAR)		High Volatility | Medium0x072bC950618A4e286683886eBc01C73090BC1C8a
HBAR
(Paired with DOVU)		High Volatility | Medium0xEf55ABc71271dceaE4880b9000402a4b3F87D1eA
SAUCE
(Paired with HBAR)		High Volatility | Medium0x8e253F359Ba5DDD62644b1e5DAbD3D7748fb8193
HBAR
(Paired with SAUCE)		High Volatility | Medium0xc883F70804380c1a49E23A6d1DCF8e784D093a3f
HBAR
(Paired with BONZO)		High Volatility | Medium0xd406F0C0211836dbcA3EbF3b84487137be400E57
USDC
(Paired with wETH)		High Volatility | Wide0x0Db93Cfe4BA0b2A7C10C83FBEe81Fd2EFB871864
wETH
(Paired with USDC)		High Volatility | Wide0x31403d085C601F49b9644a4c9a493403FA14ABfe
### **Coming Soon**
Vault NameStrategy TypeLP Token Address
HBAR
(Paired with wBTC)		-0xe716bb7cf4cf69f94d3ce4cf0115e76368107fca
wBTC
(Paired with HBAR)		-0x4431a822e59e12cea7fa614791ae39fe8b931d0f
HBAR
(Paired with wETH)		-0x6450ca2ee98454c305c40dd478307b17cea9a882
wETH
(Paired with HBAR)		-0x3bcbae5374ec9114ba066c89fc79fbb98f2d7413
USDC
(Paired with wBTC)		-0x15f9107b69ab7f7fa537b919f0f1f20038bf4a67
wBTC
(Paired with USDC)		-0x6b068a06a23edc1de4f63c4d421e57d71e33573d
# Dual Asset DEX The **Dual Asset DEX** vault strategy allows anyone to earn yield from **concentrated liquidity pools** on partner DEXs (like [SaucerSwap](https://saucerswap.finance/)), without having to manage ranges, NFTs, or rebalance positions themself. Under the hood, **Dual Asset DEX** strategy vaults are liquidity management contracts that takes user deposits, creates concentrated-liquidity positions for them, and actively keeps those positions in a "productive price range". **How the Dual Asset DEX vault strategy works:** * Deposit a pair of tokens, * Receive fungible vault share tokens representing your share of the vault, and * Over time, your share is backed by more of the underlying tokens as fees are earned and reinvested (auto-compounding). The complexity and maintenance of concentrated liquidity management is entirely automated inside of the vault strategy. ### The Dual Asset DEX Vault Strategy Explained The **Dual Asset DEX vault strategy** has one job: **keep as close to 100% of the liquidity deployed in range and earning fees for users**. That includes all deposits, the trading fees currently building up in the pool, and all past fees that have already been compounded back into the position. Whenever a user deposits or withdraws — or a scheduled "harvest" function runs — the vault strategy **withdraws liquidity from the pool and rebalances** the concentrated-liquidity position. First, it pulls all liquidity out of the underlying DEX pool and collects any accrued fees, so it is temporarily holding all of both tokens. From there, it creates two positions in the pool: * A M**ain Position**, where it uses a roughly 50/50 mix of the pair and deploys it into a symmetric price range around the current market price. This is the “core” concentrated liquidity position that earns most of the trading fees while the price stays in that band. * An **Alt Position**, built from any leftover of the token that has become "overweight" as prices moved. Instead of selling those extra "overweight" tokens to rebalance the pool, the strategy intentionally parks it in a narrower, single-sided band that hugs one side of the main position. This keeps the excess token deployed and fee-earning, instead of idle or immediately sold / deposited into the 50/50 range.

Main Position & Alt Position | SaucerSwap V2 Pool Visualization

Over time, market prices move — if the vault never adjusted, the positions would drift out of range, stop earning, and leave the liquidity supplier overexposed to the weaker token. To avoid that, the strategy periodically checks the current pool price, chooses a fresh range around it, and **rebuilds the same main + alt structure around the new price**. In Bonzo Vaults, this is done through an on-chain `moveTicks()` style function that is called automatically every so often to keep things in a healthy band and resist short-term price manipulation. The net effect is that all liquidity in the vault is **continuously repositioned around the market price**, with a balanced core and a single-sided band for any excess, so almost all of the liquidity stays active and earning fees — without the strategy constantly selling tokens just to rebalance, which is where many users who manage liquidity themselves in a SaucerSwap v2 pool end up experiencing significant impermanent loss. ### Yield Earnings: DEX Trading Fees & LARI Rewards Liquidity that's been deposited by the vault into an underlying SaucerSwap v2 concentrated liquidity pool generates fees for every trade. In addition, if an underlying pool offers LARI token incentives, vault participants will receive these, as well. #### Trading Fees The **Dual Asset DEX** vault strategy is designed to periodically pull trading fees out of the pool and compound them back into participant positions: 1. The vault claims trading fees that have accrued to the main + alt positions, 2. Returns everything into the vault strategy (rather than leaving earned fees idle in the contract), and 3. Reinvests the value back into the main and alt ranges (compounding) #### LARI Rewards The **Dual Asset DEX** vault strategy was also designed to support SaucerSwap v2 liquidity pools which have [LARI rewards](https://docs.saucerswap.finance/get-started/faq#what-is-lari) enabled; rewards from LARI are earned by the vault as they're emitted from SaucerSwap and shared amongst vault participations proportional to their share of ownership: 1. LARI rewards emitted by SaucerSwap to pool participants and send to the vault contract 2. A "LARI" function is called, similar to calling the vault's "harvest" function 3. The vault swaps all rewards received for the underlying pool tokens on SaucerSwap 4. The vault rebalances / deposits tokens received from the swap into the underlying pool 5. Participants utilizing the vault see an increase in yield proportional to their share ### Vault Share Tokens When you deposit assets into a Dual Asset DEX vault, you get back a **vault share token**. That token is **not** a fixed claim on a fixed amount of Token A and Token B (not 1:1). Instead, it represents a proportional slice of everything the strategy owns: * The current main + alt positions in the pool, * All fees and rewards harvested and folded back into the vault's liquidity position(s). As the strategy continues to **harvest trading fees**, **collect incentives**, and **rebuilding positions** around the market price — each vault share gradually becomes worth more of the underlying token pair over time. That’s the compounding effect: the number of shares you hold stays the same, but the assets backing each share increase as the vault does its job. **When you’re ready to exit, you simply withdraw from the vault:** * Your vault shares are burned, * And the vault sends you your slice of the current position in Token A and Token B — including any imbalance that’s built up from price moves and concentrated liquidity behavior. Day-to-day you do not have to think about fee claims, reward contracts, or compounding logic — you just need to know that your Dual Asset DEX vault token is a growing claim on the strategy’s assets. ### Impermanent Loss Providing concentrated liquidity in any DEX pool – including through a Dual Asset DEX or [Single Asset DEX](/hub/bonzo-vaults/vault-strategies/single-asset-dex) vault – exposes you to market risk and impermanent loss (IL). The vault automates range management and compounding, but it cannot remove the underlying economic risk of being a liquidity provider. The **Dual Asset DEX** strategy is **designed to keep liquidity in range and fee-earning as much as possible**, and to avoid unnecessary token selling when rebalancing. This helps in a few ways: * By staying in range, the position can continuously earn trading fees, which may offset some or all of the impermanent loss over time. * The “Alt Position” parks any “overweight” token in a single-sided band instead of instantly selling it back into a 50/50 mix, which reduces constant churn and slippage compared to manual rebalancing. * Auto-compounding fees and rewards means the vault is always trying to grow the asset base backing each vault share. However, impermanent loss is still possible when utilizing a **Dual Asset DEX** strategy vault. Impermanent loss is the difference between the value of your tokens if you had simply held them in your wallet, versus the value of your share of the liquidity pool when you withdraw. When prices move, the pool’s AMM math gradually rebalances you into more of the weaker token and less of the stronger token. If the relative price between the two tokens has changed a lot by the time you exit, your position may be worth less (in USD terms) than simply holding the original tokens, even after including fees and rewards. ### Calm Periods To ensure the **Dual Asset DEX** strategy only rebalances during healthy market conditions, Bonzo Vaults utilize a built-in safety feature known as the "**Calm Period**." This mechanism protects user positions from extreme volatility, flash crashes, or price manipulation on the underlying DEX. How the Calm Period works: Under the hood, before the strategy executes any rebalance or "moveTicks" function, it performs a price check. It compares the current spot price of the pool (the price right now) against a Time-Weighted Average Price (TWAP) calculated over a recent duration. If the current spot price deviates significantly from the average price, the strategy determines that the market is too volatile or potentially manipulated. When this happens: * The strategy enters a Calm Period. * Deposits into the vault during this period are paused; rebalancing is also paused. * Withdrawals can take place at any time. **Why this matters for your position:** Automated strategies rely on accurate pricing to place liquidity effectively. If the vault were to rebalance during a momentary price spike or a "whipsaw" event, it might sell tokens at an artificial loss or place liquidity in a range that becomes irrelevant seconds later. By utilizing the Calm Period, the vault ensures that it only adjusts positions when the price is confirmed to be stable. This prevents the strategy from realizing unnecessary impermanent loss or paying transaction fees to chase temporary volatility, ensuring that rebalancing actions are always productive for the long-term health of the position. # Strategy Types ### Dual Asset DEX Strategies The following strategies are applicable to Dual Asset DEX vaults deployed on the Hedera network. To view which vaults utilize each of these strategies, please visit [Deployed Vaults](/hub/bonzo-vaults/vault-strategies/single-asset-dex/deployed-vaults).

Stable / Stable

Stable pairs. Ultra-tight positioning maximizes capital efficiency. Minimal impermanent loss risk.

Volatility
🟢 Low


Liquidity Concentration
±0.25%


Examples
USDC/USDC , USDC/DAI

LST / Base Asset

LST and base asset pairs. Narrow range balances fees with low rebalancing. Conservative approach.

Volatility
🟢 🟡 Low


Liquidity Concentration
±0.5-2%

Examples
BONZO/XBONZO, HBAR/HBARX

Volatile / Stable (Major)

Volatile majors paired with a stablecoin. Medium concentration range supports inventory during volatile price swings.

Volatility
🟢 🟡 🟠 Medium

Liquidity Concentration
±7-10%
addtl. ±5-15% if low liquidity / high volatility

Examples
USDC/HBAR, USDC/WETH

Volatile / Stable (Alt)

Volatile alts paired with a stablecoin. Medium-high concentration range supports inventory during volatile price swings.

Volatility
🟢 🟡 🟠 Medium-High

Liquidity Concentration
±11-15%

addtl. ±5-15% if low liquidity / high volatility

Examples
USDC/SAUCE, USDC/BONZO

Volatile / Volatile (Major)

Volatile majors paired together. Requires more frequent rebalancing.

Volatility
🟢 🟡 🟠 🔴 High

Liquidity Concentration
±10-15%
addtl. ±5-15% if low liquidity / high volatility

Examples
HBAR/WBTC, HBAR/WETH

Volatile / Volatile (Alt)

Volatile alts paired together. Requires more frequent rebalancing.

Volatility
🟢 🟡 🟠 🔴 Highest

Liquidity Concentration
±12-17%
addtl. ±5-15% if low liquidity / high volatility

Examples
HBAR/SAUCE, HBAR/WETH

# Deployed Vaults ### Dual Asset DEX Strategy Vaults
Vault NameStrategy TypeLP Token Address
USDC-HBARVolatile / Stable (Major)0x724F19f52A3E0e9D2881587C997db93f9613B2C7
USDC-SAUCEVolatile / Stable (Alt)0x0171baa37fC9f56c98bD56FEB32bC28342944C6e
BONZO-XBONZOLST / Base0xcfba07324bd207C3ED41416a9a36f8184F9a2134
SAUCE-XSAUCELST / Base0x8AEE31dFF6264074a1a3929432070E1605F6b783
### **Coming Soon**
Vault NameStrategy TypeLP Token Address
WETH-HBAR--
WETH-USDC--
WBTC-HBAR--
WBTC-USDC--
HBAR-BONZO--
HBAR-SAUCE--
HBAR-DOVU--
HBAR-GIB--
# Leveraged LST The **Leveraged LST** vault strategy allows anyone to earn additional yield on their liquid staking token holdings (like **HBARX**) by depositing them into this vault strategy type. Under the hood, **Leveraged LST** strategy vault operations include the following transactions and protocols: 1. User deposits liquid staking tokens (LSTs), such as HBARX, into the vault. 2. The vault routes and supplies this token (as collateral) to the **Bonzo Lend** protocol. 3. The vault borrows the LST's underlying base asset from **Bonzo Lend** (such as HBAR). 1. With a low loan-to-value ratio, bolstering additional prevention of liquidation. 4. The vault stakes the borrowed funds (base asset) for more LSTs via a **staking provider** protocol. 5. The vault supplies those LSTs to the **Bonzo Lend** protocol. During withdraw from a **Leveraged LST** strategy vault, the operations cited above are performed in reverse — however, instead of un-staking the LST for the underlying base asset, the LST is swapped, using **SaucerSwap**, to circumvent cool-down periods employed by liquid staking token providers. # Deployed Vaults ### Leveraged LST Strategy Vaults
Vault NameProtocols & OperationsLP Token Address
HBARX - Leveraged LSTBonzo Lend
Supply HBARX as Collateral
Borrow HBAR

Stader Labs
Stake HBAR for HBARX

SaucerSwap
Swap HBAR for HBAR (Withdraw Only)		0x10288A0F368c82922a421EEb4360537b93af3780
# DEX Strategy Risks When using a **Dual Asset DEX** or **Single Asset DEX** vault, you accept the following non-exhaustive set of risks: #### **1. Price & Market Risk** * If both tokens go down in USD terms, the value of your position (and your vault shares) also goes down. * If one token crashes or gets exploited, your share of the pool may end up heavily skewed toward that failing asset. * High volatility can increase both earned fees and impermanent loss; outcomes are not guaranteed to be positive. #### **2. Impermanent Loss Risk** * Large relative price moves between the two tokens (e.g., Token A 2–3x vs. Token B or vice versa) can lead to significant IL. * Even with active management, you may withdraw more of the underperforming token and less of the outperforming token than you initially contributed, after all rebalances. * If you exit after a big divergence without a price “reversion,” the IL is realized and may outweigh fees and rewards. #### **3. Range Management & Strategy Risk** * The **Dual Asset DEX** strategy relies on on-chain logic (e.g., `moveTicks()` functions) being called regularly to keep positions in a healthy band. If these calls are delayed, fail, or become uneconomical, positions can sit out of range and stop earning fees. * The chosen parameters — how wide ranges are, how often to rebalance, how the main vs. alt positions are configured -- are strategy choices, not guarantees. Different choices would produce different results; past performance of a given configuration does not guarantee future outcomes. * During rebalances, harvests, and LARI reward function calls, there may be slippage and trading costs that reduce net returns. #### **4. LARI & Incentive Token Risk** * Vaults which offer LARI (SaucerSwap liquidity incentives) or other reward token mechanims carry their own market and liquidity risk. If reward token prices fall, the additional yield from incentives shrinks. * For **Dual Asset DEX** vault strategies with LARI incentives, they will typically swap LARI rewards into the underlying pool tokens; this adds DEX execution risk (slippage, price impact) each time rewards are harvested and converted. #### **5. Smart Contract & Protocol Risk** By using the vault, you are trusting multiple smart contract systems: * The vault contracts themselves, * The underlying SaucerSwap v2 concentrated liquidity pools, and * Any related reward or integrations contracts involved in the strategy. Even with audits and testing, smart contracts can contain bugs, vulnerabilities, or unexpected behaviors that may lead to loss of funds. Other protocol-level risks include: * Issues or exploits in the underlying blockchain or network, * Governance changes or upgrades to partner protocols, * Oracle or price-manipulation attacks on the pools where the strategy is deployed. #### **6. Liquidity, Slippage & Timing Risk** * Large deposits or withdrawals relative to vault size can experience **slippage** as the strategy rebalances and repositions liquidity. * Entering or exiting during periods of extreme volatility or low liquidity can lead to worse execution and a less favorable mix of tokens upon withdrawal. * Vault share prices move with underlying pool conditions; the value of shares can be higher or lower at any given moment depending on market behavior. # Vault Fees & Revenue # APYs & Incentives # Single-Sided Staking [Single-sided staking](https://app.bonzo.finance/stake) allows $BONZO token holders to earn yield without providing liquidity or incurring impermanent loss. By staking $BONZO tokens, users receive $xBONZO tokens as a receipt that represents their share of the staking pool. Over time, as rewards are continuously compounded into the pool, the conversion rate between $BONZO and $xBONZO improves, resulting in higher returns when unstaking. The $xBONZO Token ID is [**0.0.8490541**](https://hashscan.io/mainnet/token/0.0.8490541) ## How Staking Works The staking mechanism is designed around a continuously improving conversion rate between $BONZO and $xBONZO. This dynamic rate reflects both user contributions and ongoing reward emissions: ### **Staking Process** 1. **Stake $BONZO Tokens:** When staking $BONZO tokens, receive $xBONZO receipt tokens at the current exchange rate. For example, if the rate is 1 $BONZO = 0.9 $xBONZO, staking 1,000 $BONZO will mint 900 $xBONZO. 2. **Hold $xBONZO Tokens:** The $xBONZO tokens appreciate in value over time as the staking pool grows via continuous reward emissions. 3. **Unstake When Ready: C**onvert $xBONZO tokens back to $BONZO at any time at the improved conversion rate, without a mandatory lock-up period or unstaking fees (aside from Hedera network fees). ## Key Features ### Token Locking When staking $BONZO, tokens are securely locked in the staking smart contract. In return, users receive $xBONZO tokens at the current conversion rate. These $xBONZO tokens represent the user's stake in the protocol and their claim on the underlying $BONZO tokens. ``` Example: - Current Conversion Rate: 1 $BONZO = 0.9 $xBONZO - User stakes 1,000 $BONZO - User receives 900 $xBONZO tokens - 1,000 $BONZO remains locked in the contract ``` ### Automatic Yield Generation Unlike traditional staking models that distribute rewards at fixed intervals, our system continuously increases the conversion rate between $BONZO and $xBONZO. This means: * No manual claiming of rewards * No tracking of reward distribution epochs * Value accrues seamlessly in the background The yield is reflected in the continuously improving conversion rate between $BONZO and $xBONZO. The longer user hold their $xBONZO tokens, the more $BONZO they'll receive when they eventually unstake. ### Variable APR The Annual Percentage Rate (APR) for staking is not fixed and varies based on: * The total number of $BONZO tokens currently staked in the protocol * Current $BONZO allocations to the staking rewards contract Users can check the current effective APR on the [staking dashboard](https://app.bonzo.finance/stake). This rate determines how quickly the conversion rate between $BONZO and $xBONZO improves over time.
Monthly Schedule$BONZO Token Rewards
March 17, 2025 - April 17, 2025100,000
April 17, 2025 - May 17, 2025Coming Soon
### Unstaking Flexibility One of the primary advantages of staking is flexibility — users can unstake $xBONZO staking receipt tokens at any time with: * No minimum lock-up period * No unstaking fees (except standard Hedera network transaction fees) * No vesting schedules When unstaking, $xBONZO tokens are burned, and the user receives $BONZO tokens at the current conversion rate, which should be higher than when initially staked. ``` CopyExample: - Initial stake: 1,000 $BONZO → 900 $xBONZO (at 0.9 conversion rate) - After 6 months: Conversion rate improves to 0.85 - Unstaking 900 $xBONZO would return 1,058.82 $BONZO (900 ÷ 0.85) - Net gain: 58.82 $BONZO (5.88% return) ``` ### Growth Effect The improving conversion rate creates an effect similar to compound interest. The longer $xBONZO tokens are held, the more $BONZO will be received when unstaked. This incentivizes long-term participation in the protocol's ecosystem. ### Governance Rights (Coming Soon) In 2025, $xBONZO tokens will grant holders governance rights proportional to their stake. This will allow $xBONZO holders to: * Vote on protocol changes * Participate in protocol upgrade decisions * Influence DAO treasury fund allocations * Shape the future development of the Bonzo Finance ecosystem # Bonzo Points Points incentive programs for protocols and networks are ubiquitous across web3 — from LayerZero, to WalletConnect (ReOwn), and Kamino on Solana, points programs have been employed across the industry to incentivize protocol growth, liquidity, and adoption, rewarding users for these activities. The Bonzo Points program rewards active community members who supply liquidity to and borrow liquidity from the Bonzo Finance protocol. Point earnings are based on the dollar value of supported HTS assets supplied and borrowed, and distributed on a 24 hour basis. Point earnings are used to inform claimable $BONZO at the end of every points season, each lasting 3-4 months. Earn 2 points per $1 USD in value supplied & 8 points per $1 USD in value borrowed every 24 hours. Bonzo Points earned per account are used to inform claimable $BONZO at the end of each season; **there is no conversion rate between points to $BONZO tokens** and token distribution amounts are determined at the end of each season.\ \ The start and end date(s) for each season are found in the table below:
SeasonStartEnd
1Oct 28, 2024February 28, 2025
2March 1, 2025June 2, 2025
3June 3, 2025September 3, 2025
4September 4, 2025December 8, 2025
5December 9, 2025March 9, 2026
In addition to the regular seasons of points, Bonzo Finance hosted a [token weighted pre-season airdrop of points](/hub/staking-nfts-and-points/bonzo-points/pre-season-points-airdrop) for holders of HTS assets supported by Bonzo Finance. The pre-season has concluded.
### The HCS-20 Points Standard The Bonzo Points program utilizes the Hedera Consensus Service HCS-20 standard — this offers the unique ability for points to be tied directly to Hedera accounts on-chain — it also allows for airdropping of points to users without them even having to connect their wallets to the protocol. Additionally, because all points are on-chain, they are verifiable and auditable. #### TierBot | HCS-20 Points Verification for Bonzo Points (BZPT) To verify on-chain Bonzo Points earned across all seasons, please visit [TierBot's HCS-20 Points Explorer](https://tier.bot/advanced-analytics/hedera/hcs20?tab=my-tokens) and connect your wallet. #### HashScan | Hedera Consensus Service (HCS-20) Topic IDs for Bonzo Points Pre-Season: # Pre-Season Points Airdrop The [token-weighted airdrop of points](https://app.bonzo.finance/points) in the pre-season kicked off on **Friday, September 13th, 2024, at 4:00 PM ET**, starting with a snapshot of holders and amounts of assets in the program. The first distribution of Bonzo Points was made on **Monday, September 16th, 2024,** for the $HBARX asset and continued every other business day with a new points airdrop for every HTS asset supported by the program. ### **Key Points** * Non-linear token-weighted distribution of points * Unique regression curve for each asset (made available in the documentation) * Leaderboard and earnings were updated every 24 hours in the [Bonzo Finance](https://app.bonzo.finance/points) app * Accumulated points determined $BONZO token claims at the Token Generation Event (TGE)
### **Snapshot** * **Date**: September 13th, 2024 at 4:00 PM ET ### **Airdrop Distribution for Token-Weighted Pre-Season Points** Points will be distributed across multiple days, based on a schedule tied to assets supported by the protocol: * Mon, Sept 16: $HBARX ([Distribution Details](https://docs.google.com/spreadsheets/d/1rVUDzVOQFta8qfO-JxmhI959Hbo3AXam6etWpzXHblE/edit?usp=sharing)) * Wed, Sept 18: $PACK ([Distribution Details](https://docs.google.com/spreadsheets/d/1hZAsOF57eGFInPXJb-Toga4nXVnArQ9_pv0dZ6OmQGw/edit?usp=sharing)) * Fri, Sept 20: $SAUCE ([Distribution Details](https://docs.google.com/spreadsheets/d/1TzQCSNzCGfKaMecD_UyEvu7nU3j1L-9SlkDx3i1ERxo/edit?gid=1745000703#gid=1745000703)) * Fri, Sept 20: $XSAUCE ([Distribution Details](https://docs.google.com/spreadsheets/d/1cegHkUzdi04U6z4uaH-quiJl4brA8ZUbJtaLxdDO3yY/edit?gid=984072007#gid=984072007)) * Mon, Sept 23: $DOVU ([Distribution Details](https://docs.google.com/spreadsheets/d/1-C3bukxV0YeHBTKAv-8CbNyftpvTzOBc2NCCzNdC7EI/edit?gid=375635124#gid=375635124)) * Wed, Sept 25: $KARATE ([Distribution Details](https://docs.google.com/spreadsheets/d/1pKX1P2OKlwOenPL_QvaDfT3CwJDoGVQPKgmfLfI3RB0/edit?usp=sharing)) * Fri, Sept 27: $HST ([Distribution Details](https://docs.google.com/spreadsheets/d/1Lgu5brxhDVqzm__JAYIB-cANFJ_9V6fnhatKt9gp3og/edit?usp=sharing)) * Mon, Sept 30: $STEAM ([Distribution Details](https://docs.google.com/spreadsheets/d/15ls027YE8NdSu4nhePiw8IzsLKtXLSpET2esZkmtjrA/edit?gid=31857120#gid=31857120)) * Wed, Oct 2: $USDC ([Distribution Details](https://docs.google.com/spreadsheets/d/1LgyOeudlU3LqMG4sp_jmAq-GTWLfOUTaKUwNVnTU4gI/edit?usp=sharing)) ### **Bonzo NFT Points Multipliers** Every Bonzo NFT came with a multiplier that automatically multiplies the points you earn during pre-season airdrops, giving holders an extra edge in the race to the top of the leaderboard. The multiplier applied to point earnings was based on the single highest tier NFT held in the same account that received points. * 🏜️ **Desert Bonzo**: 1.1x multiplier * 🌊 **Ocean Bonzo**: 1.2x multiplier * 🚀 **Space Bonzo**: 1.3x multiplier * 🌌 **Singularity Bonzo**: 1.5x multiplier NFTs needed to be held during snapshot periods to lock in these rewards and accelerate the path to more points and $BONZO earnings.
### How Pre-Season Points Worked #### Step 1: Points Snapshot * Date: September 13th, 2024, 4:00 PM ET * Applied to all supported assets #### Step 2: Points Airdrop * First airdrop: September 16th, 2024 ($HBARX) * Frequency: Every other business day (schedule above) * Covered all HTS assets supported by the program * Points were updated on [Bonzo Finance points leaderboard](https://app.bonzo.finance/points) after each airdrop #### Step 3: Check the Leaderboard * Location: [app.bonzo.finance/points](http://app.bonzo.finance/points) * Users connected their HashPack wallet to view earned points & account ranking against others in the ecosystem # Season One Points ### **Bonzo Points Season Dates & Earnings** Season One of the [Bonzo Points program](https://app.bonzo.finance/points) officially started on October 28, 2024, with the launch of Bonzo Finance on mainnet. Point earnings convert to claimable $BONZO at the end of every points season. The start and end dates for each season are found in the table below:
SeasonStartEnd
1Oct 28 2024February 28 2025
2March 1 2025June 2 2025
3June 3 2025September 3 2025
Point earnings are based on the dollar value of assets supplied to and borrowed from the protocol, distributed on a 24-hour basis. Supported assets of the protocol can be found on [Bonzo Finance.](https://app.bonzo.finance/dashboard) Details of points earning calculations for Season One are found in the table below:
Mainnet Launch
(Supply only)		After Borrowing Enabled
Supply Points4 points / $1 USD of token value2 points / $1 USD of token value
Borrow Points(Borrowing disabled)8 points / $1 USD of token value
### **1st Edition Bonzo NFT Points Multiplier** Every [1st Edition Bonzo NFT](/hub/staking-nfts-and-points/bonzo-nft-collectables/1st-edition-bonzo-nfts) gave a "Bonzo Points" multiplier that automatically multiplied the points earned each day during Season One, giving holders an extra edge in the race to the top of the leaderboard. {% hint style="info" %} **The multiplier applied to point earnings is based on the single highest tier 1st Edition Bonzo NFT held in the same account receiving points.** {% endhint %} * 🏜️ **Desert Bonzo**: 1.1x multiplier * 🌊 **Ocean Bonzo**: 1.2x multiplier * 🚀 **Space Bonzo**: 1.3x multiplier * 🌌 **Singularity Bonzo**: 1.5x multiplier To purchase an NFT on secondary markets, please visit [SentX](https://sentx.io/nft-marketplace/creators/bonzo-finance).
### **Cybernetic NFT Points Multiplier(s)** The Bonzo Cybernetic NFT Collectible features a 1.05x points multiplier, stackable on itself, and 1st Edition Bonzo NFT Collectibles held in the account receiving points. This multiplier is active until the Cybernetic NFT is [burned for $BONZO](/hub/staking-nfts-and-points/bonzo-nft-collectables/cybernetic-nft#distribution-of-usdbonzo-tokens), with a total stacking cap of 2.0x. {% hint style="info" %} **The multiplier applied to point earnings is based on the number of Bonzo Cybernetic NFTs stacked on both themselves and 1st Edition Bonzo NFTs for a maximum multiplier of 2.0x. Please see the table below for an example.** {% endhint %}
NFT TypePoints MultiplierRunning Total Multiplier
1st Edition Singularity1.5x1.5x
Cybernetic NFT #11.05x1.55x
Cybernetic NFT #21.05x1.60x
Cybernetic NFT #31.05x1.65x
Cybernetic NFT #41.05x1.7x
Cybernetic NFT #51.05x1.75x
Cybernetic NFT #61.05x1.8x
Cybernetic NFT #71.05x1.85x
Cybernetic NFT #81.05x1.9x
Cybernetic NFT #91.05x1.95x
Cybernetic NFT #101.05x2.0x

Cybernetic Bonzo
0.0.7743905

# Season Two Points ### **Bonzo Points Season Dates & Earnings** Season Two of the [Bonzo Points program](https://app.bonzo.finance/points) officially kicked off on March 1st 2025. Point earnings convert to claimable $BONZO at the end of every points season. The start and end dates for each season are found in the table below:
SeasonStartEnd
1Oct 28 2024February 28 2025
2March 1 2025June 2 2025
3June 3 2025September 3 2025
Points earnings are based on the dollar value of assets supplied to and borrowed from the protocol, distributed on a 24 hour basis — supported assets of the protocol can be found on [Bonzo Finance.](https://app.bonzo.finance) Details of points earning calculations for Season Two are found in the table below:
Supply Points2 points / $1 USD of token value
Borrow Points8 points / $1 USD of token value
### **1st Edition Bonzo NFT Points Multiplier** Every [1st Edition Bonzo NFT](/hub/staking-nfts-and-points/bonzo-nft-collectables/1st-edition-bonzo-nfts) gave a "Bonzo Points" multiplier that automatically multiplied the points earned each day during Season Two, giving holders an extra edge in the race to the top of the leaderboard. {% hint style="info" %} **The multiplier applied to point earnings is based on the single highest tier 1st Edition Bonzo NFT held in the same account receiving points.** {% endhint %} * 🏜️ **Desert Bonzo**: 1.1x multiplier * 🌊 **Ocean Bonzo**: 1.2x multiplier * 🚀 **Space Bonzo**: 1.3x multiplier * 🌌 **Singularity Bonzo**: 1.5x multiplier To purchase an NFT on secondary markets, please visit [SentX](https://sentx.io/nft-marketplace/creators/bonzo-finance).
### **Cybernetic NFT Points Multiplier(s)** The Bonzo Cybernetic NFT Collectible features a 1.05x points multiplier, stackable on itself and 1st Edition Bonzo NFT Collectibles held in the account receiving points. This multiplier is active until the Cybernetic NFT is [burned for $BONZO](/hub/staking-nfts-and-points/bonzo-nft-collectables/cybernetic-nft#distribution-of-usdbonzo-tokens), with a total stacking cap of 2.0x. {% hint style="info" %} **The multiplier applied to point earnings is based on the number of Bonzo Cybernetic NFTs stacked on both themselves and 1st Edition Bonzo NFTs for a maximum multiplier of 2.0x. Please see the table below for an example.** {% endhint %}
NFT TypePoints MultiplierRunning Total Multiplier
1st Edition Singularity1.5x1.5x
Cybernetic NFT #11.05x1.55x
Cybernetic NFT #21.05x1.60x
Cybernetic NFT #31.05x1.65x
Cybernetic NFT #41.05x1.7x
Cybernetic NFT #51.05x1.75x
Cybernetic NFT #61.05x1.8x
Cybernetic NFT #71.05x1.85x
Cybernetic NFT #81.05x1.9x
Cybernetic NFT #91.05x1.95x
Cybernetic NFT #101.05x2.0x

Cybernetic Bonzo
0.0.7743905

# Season Three Points ### **Bonzo Points Season Dates & Earnings** Season three of the [Bonzo Points program](https://app.bonzo.finance/points) officially kicked off on June 3rd 2025. Point earnings convert to claimable $BONZO at the end of a every points season. The start and end dates for each season are found in the table below:
SeasonStartEnd
1Oct 28 2024February 28 2025
2March 1 2025June 2 2025
3June 3 2025September 3 2025
Points earnings are based on the dollar value of assets supplied to and borrowed from the protocol, distributed on a 24 hour basis — supported assets of the protocol can be found on [Bonzo Finance.](https://app.bonzo.finance) Details of points earning calculations for season one are found in the table below:
Supply Points2 points / $1 USD of token value
Borrow Points8 points / $1 USD of token value
### **1st Edition Bonzo NFT Points Multiplier** Every [1st Edition Bonzo NFT](/hub/staking-nfts-and-points/bonzo-nft-collectables/1st-edition-bonzo-nfts) gave a "Bonzo Points" multiplier that automatically multiplied the points earned each day during Season Three, giving holders an extra edge in the race to the top of the leaderboard. {% hint style="info" %} **The multiplier applied to point earnings is based on the single highest tier 1st Edition Bonzo NFT held in the same account receiving points.** {% endhint %} * 🏜️ **Desert Bonzo**: 1.1x multiplier * 🌊 **Ocean Bonzo**: 1.2x multiplier * 🚀 **Space Bonzo**: 1.3x multiplier * 🌌 **Singularity Bonzo**: 1.5x multiplier To purchase an NFT on secondary markets, please visit [SentX](https://sentx.io/nft-marketplace/creators/bonzo-finance).
### **Cybernetic NFT Points Multiplier(s)** The Bonzo Cybernetic NFT Collectible features a 1.05x points multiplier, stackable on itself and 1st Edition Bonzo NFT Collectibles held in the account receiving points. This multiplier is active until the Cybernetic NFT is [burned for $BONZO](/hub/staking-nfts-and-points/bonzo-nft-collectables/cybernetic-nft#distribution-of-usdbonzo-tokens), with a total stacking cap of 2.0x. {% hint style="info" %} **The multiplier applied to point earnings is based on the number of Bonzo Cybernetic NFTs stacked on both themselves and 1st Edition Bonzo NFTs for a maximum multiplier of 2.0x. Please see the table below for an example.** {% endhint %}
NFT TypePoints MultiplierRunning Total Multiplier
1st Edition Singularity1.5x1.5x
Cybernetic NFT #11.05x1.55x
Cybernetic NFT #21.05x1.60x
Cybernetic NFT #31.05x1.65x
Cybernetic NFT #41.05x1.7x
Cybernetic NFT #51.05x1.75x
Cybernetic NFT #61.05x1.8x
Cybernetic NFT #71.05x1.85x
Cybernetic NFT #81.05x1.9x
Cybernetic NFT #91.05x1.95x
Cybernetic NFT #101.05x2.0x

Cybernetic Bonzo
0.0.7743905

# Season Four Points ### **Bonzo Points Season Dates & Earnings** Season Four of the [Bonzo Points program](https://app.bonzo.finance/points) officially kicked off on September 4 2025. Point earnings convert to claimable $BONZO at the end of every points season. The start and end dates for each season are found in the table below:
SeasonStartEnd
1Oct 28 2024February 28 2025
2March 1 2025June 2 2025
3June 3 2025September 3 2025
4September 4 2025December 8 2025
Points earnings are based on the dollar value of assets supplied to and borrowed from the protocol, distributed on a 24-hour basis. Supported assets of the protocol can be found on [Bonzo Finance.](https://app.bonzo.finance) Details of points earning calculations for Season Four are found in the table below:
Supply Points2 points / $1 USD of token value
Borrow Points8 points / $1 USD of token value
### **1st Edition Bonzo NFT Points Multiplier** Every [1st Edition Bonzo NFT](/hub/staking-nfts-and-points/bonzo-nft-collectables/1st-edition-bonzo-nfts) gives a "Bonzo Points" multiplier that automatically multiplies the points earned each day during Season Four, giving holders an extra edge in the race to the top of the leaderboard. {% hint style="info" %} **The multiplier applied to point earnings is based on the single highest tier 1st Edition Bonzo NFT held in the same account receiving points.** {% endhint %} * 🏜️ **Desert Bonzo**: 1.1x multiplier * 🌊 **Ocean Bonzo**: 1.2x multiplier * 🚀 **Space Bonzo**: 1.3x multiplier * 🌌 **Singularity Bonzo**: 1.5x multiplier To purchase an NFT on secondary markets, please visit [SentX](https://sentx.io/nft-marketplace/creators/bonzo-finance).
### **Cybernetic NFT Points Multiplier(s)** The Bonzo Cybernetic NFT Collectible features a 1.05x points multiplier, stackable on itself, and 1st Edition Bonzo NFT Collectibles held in the account receiving points. This multiplier is active until the Cybernetic NFT is [burned for $BONZO](/hub/staking-nfts-and-points/bonzo-nft-collectables/cybernetic-nft#distribution-of-usdbonzo-tokens), with a total stacking cap of 2.0x. {% hint style="info" %} **The multiplier applied to point earnings is based on the number of Bonzo Cybernetic NFTs stacked on both themselves and 1st Edition Bonzo NFTs for a maximum multiplier of 2.0x. Please see the table below for an example.** {% endhint %}
NFT TypePoints MultiplierRunning Total Multiplier
1st Edition Singularity1.5x1.5x
Cybernetic NFT #11.05x1.55x
Cybernetic NFT #21.05x1.60x
Cybernetic NFT #31.05x1.65x
Cybernetic NFT #41.05x1.7x
Cybernetic NFT #51.05x1.75x
Cybernetic NFT #61.05x1.8x
Cybernetic NFT #71.05x1.85x
Cybernetic NFT #81.05x1.9x
Cybernetic NFT #91.05x1.95x
Cybernetic NFT #101.05x2.0x

Cybernetic Bonzo
0.0.7743905

# Season Five Points ### **Bonzo Points Season Dates & Earnings** Season Five of the [Bonzo Points program](https://app.bonzo.finance/points) officially kicked off on December 9, 2025. Point earnings convert to claimable $BONZO at the end of every points season. The start and end dates for each season are found in the table below:
SeasonStartEnd
1Oct 28, 2024February 28, 2025
2March 1, 2025June 2, 2025
3June 3, 2025September 3, 2025
4September 4, 2025December 8, 2025
5December 9, 2025March 9, 2026
Points earnings are based on the dollar value of assets supplied to the protocol, borrowed from the protocol, and deposited into Bonzo Vaults. Points are distributed on a 24-hour basis. Supported protocol assets can be found on [Bonzo Finance.](https://app.bonzo.finance) Details of points earning calculations for Season Five are found in the table below:
Supply Points2 points / $1 USD of token value
Borrow Points8 points / $1 USD of token value
Vault Points2 points / $1 USD of token value
### **1st Edition Bonzo NFT Points Multiplier** Every [1st Edition Bonzo NFT](/hub/staking-nfts-and-points/bonzo-nft-collectables/1st-edition-bonzo-nfts) gives a "Bonzo Points" multiplier that automatically multiplies the points earned each day during Season Five, giving holders an extra edge in the race to the top of the leaderboard. {% hint style="info" %} **The multiplier applied to point earnings is based on the single highest tier 1st Edition Bonzo NFT held in the same account receiving points.** {% endhint %} * 🏜️ **Desert Bonzo**: 1.1x multiplier * 🌊 **Ocean Bonzo**: 1.2x multiplier * 🚀 **Space Bonzo**: 1.3x multiplier * 🌌 **Singularity Bonzo**: 1.5x multiplier To purchase an NFT on secondary markets, please visit [SentX](https://sentx.io/nft-marketplace/creators/bonzo-finance).
### **Cybernetic NFT Points Multiplier(s)** The Bonzo Cybernetic NFT Collectible features a 1.05x points multiplier, stackable on itself, and 1st Edition Bonzo NFT Collectibles held in the account receiving points. This multiplier is active until the Cybernetic NFT is [burned for $BONZO](/hub/staking-nfts-and-points/bonzo-nft-collectables/cybernetic-nft#distribution-of-usdbonzo-tokens), with a total stacking cap of 2.0x. {% hint style="info" %} **The multiplier applied to point earnings is based on the number of Bonzo Cybernetic NFTs stacked on both themselves and 1st Edition Bonzo NFTs for a maximum multiplier of 2.0x. Please see the table below for an example.** {% endhint %}
NFT TypePoints MultiplierRunning Total Multiplier
1st Edition Singularity1.5x1.5x
Cybernetic NFT #11.05x1.55x
Cybernetic NFT #21.05x1.60x
Cybernetic NFT #31.05x1.65x
Cybernetic NFT #41.05x1.7x
Cybernetic NFT #51.05x1.75x
Cybernetic NFT #61.05x1.8x
Cybernetic NFT #71.05x1.85x
Cybernetic NFT #81.05x1.9x
Cybernetic NFT #91.05x1.95x
Cybernetic NFT #101.05x2.0x

Cybernetic Bonzo
0.0.7743905

# Season Six Points ### **Bonzo Points Season Dates & Earnings** Season Six of the [Bonzo Points program](https://app.bonzo.finance/points) officially kicked off on March 10, 2026. Point earnings convert to claimable $BONZO at the end of every points season. The start and end dates for each season are found in the table below:
SeasonStartEnd
1Oct 28, 2024February 28, 2025
2March 1, 2025June 2, 2025
3June 3, 2025September 3, 2025
4September 4, 2025December 8, 2025
5December 9, 2025March 9, 2026
6March 10, 2026June 9, 2026
Points earnings are based on the dollar value of assets supplied to the protocol, borrowed from the protocol, and deposited into Bonzo Vaults. Points are distributed on a 24-hour basis. Supported protocol assets can be found on [Bonzo Finance.](https://app.bonzo.finance) Details of points earning calculations for Season Six are found in the table below:
Supply Points2 points / $1 USD of token value
Borrow Points8 points / $1 USD of token value
Vault Points2 points / $1 USD of token value
### **1st Edition Bonzo NFT Points Multiplier** Every [1st Edition Bonzo NFT](/hub/staking-nfts-and-points/bonzo-nft-collectables/1st-edition-bonzo-nfts) gives a "Bonzo Points" multiplier that automatically multiplies the points earned each day during Season Six, giving holders an extra edge in the race to the top of the leaderboard. {% hint style="info" %} **The multiplier applied to point earnings is based on the single highest tier 1st Edition Bonzo NFT held in the same account receiving points.** {% endhint %} * 🏜️ **Desert Bonzo**: 1.1x multiplier * 🌊 **Ocean Bonzo**: 1.2x multiplier * 🚀 **Space Bonzo**: 1.3x multiplier * 🌌 **Singularity Bonzo**: 1.5x multiplier To purchase an NFT on secondary markets, please visit [SentX](https://sentx.io/nft-marketplace/creators/bonzo-finance).
### **Cybernetic NFT Points Multiplier(s)** The Bonzo Cybernetic NFT Collectible features a 1.05x points multiplier, stackable on itself, and 1st Edition Bonzo NFT Collectibles held in the account receiving points. This multiplier is active until the Cybernetic NFT is [burned for $BONZO](/hub/staking-nfts-and-points/bonzo-nft-collectables/cybernetic-nft#distribution-of-usdbonzo-tokens), with a total stacking cap of 2.0x. {% hint style="info" %} **The multiplier applied to point earnings is based on the number of Bonzo Cybernetic NFTs stacked on both themselves and 1st Edition Bonzo NFTs for a maximum multiplier of 2.0x. Please see the table below for an example.** {% endhint %}
NFT TypePoints MultiplierRunning Total Multiplier
1st Edition Singularity1.5x1.5x
Cybernetic NFT #11.05x1.55x
Cybernetic NFT #21.05x1.60x
Cybernetic NFT #31.05x1.65x
Cybernetic NFT #41.05x1.7x
Cybernetic NFT #51.05x1.75x
Cybernetic NFT #61.05x1.8x
Cybernetic NFT #71.05x1.85x
Cybernetic NFT #81.05x1.9x
Cybernetic NFT #91.05x1.95x
Cybernetic NFT #101.05x2.0x

Cybernetic Bonzo
0.0.7743905

# Season Seven Points ### **Bonzo Points Season Dates & Earnings** Season Seven of the [Bonzo Points program](https://app.bonzo.finance/points) officially kicked off on June 10, 2026. Point earnings convert to claimable $BONZO at the end of every points season. The start and end dates for each season are found in the table below:
SeasonStartEnd
1Oct 28, 2024February 28, 2025
2March 1, 2025June 2, 2025
3June 3, 2025September 3, 2025
4September 4, 2025December 8, 2025
5December 9, 2025March 9, 2026
6March 10, 2026June 9, 2026
7June 10, 2026September 14, 2026
Points earnings are based on the dollar value of assets supplied to the protocol, borrowed from the protocol, and deposited into Bonzo Vaults. Points are distributed on a 24-hour basis. Supported protocol assets can be found on [Bonzo Finance.](https://app.bonzo.finance) Details of points earning calculations for Season Seven are found in the table below:
Supply Points2 points / $1 USD of token value
Borrow Points8 points / $1 USD of token value
Vault Points2 points / $1 USD of token value
### **1st Edition Bonzo NFT Points Multiplier** Every [1st Edition Bonzo NFT](/hub/staking-nfts-and-points/bonzo-nft-collectables/1st-edition-bonzo-nfts) gives a "Bonzo Points" multiplier that automatically multiplies the points earned each day during Season Seven, giving holders an extra edge in the race to the top of the leaderboard. {% hint style="info" %} **The multiplier applied to point earnings is based on the single highest tier 1st Edition Bonzo NFT held in the same account receiving points.** {% endhint %} * 🏜️ **Desert Bonzo**: 1.1x multiplier * 🌊 **Ocean Bonzo**: 1.2x multiplier * 🚀 **Space Bonzo**: 1.3x multiplier * 🌌 **Singularity Bonzo**: 1.5x multiplier To purchase an NFT on secondary markets, please visit [SentX](https://sentx.io/nft-marketplace/creators/bonzo-finance).
### **Cybernetic NFT Points Multiplier(s)** The Bonzo Cybernetic NFT Collectible features a 1.05x points multiplier, stackable on itself, and 1st Edition Bonzo NFT Collectibles held in the account receiving points. This multiplier is active until the Cybernetic NFT is [burned for $BONZO](/hub/staking-nfts-and-points/bonzo-nft-collectables/cybernetic-nft#distribution-of-usdbonzo-tokens), with a total stacking cap of 2.0x. {% hint style="info" %} **The multiplier applied to point earnings is based on the number of Bonzo Cybernetic NFTs stacked on both themselves and 1st Edition Bonzo NFTs for a maximum multiplier of 2.0x. Please see the table below for an example.** {% endhint %}
NFT TypePoints MultiplierRunning Total Multiplier
1st Edition Singularity1.5x1.5x
Cybernetic NFT #11.05x1.55x
Cybernetic NFT #21.05x1.60x
Cybernetic NFT #31.05x1.65x
Cybernetic NFT #41.05x1.7x
Cybernetic NFT #51.05x1.75x
Cybernetic NFT #61.05x1.8x
Cybernetic NFT #71.05x1.85x
Cybernetic NFT #81.05x1.9x
Cybernetic NFT #91.05x1.95x
Cybernetic NFT #101.05x2.0x

Cybernetic Bonzo
0.0.7743905

# Bonzo NFT Collectables ## 1st Edition Bonzo NFT Collectibles Bonzo NFT Collectibles can be purchased on secondary NFT marketplaces across the Hedera ecosystem, such as [SentX](https://sentx.io/nft-marketplace/creators/bonzo-finance) and [Kabila](https://market.kabila.app/en/collections).\ \ For more information about Bonzo NFT Collectibles, please see the [1st Edition Bonzo NFTs](#id-1st-edition-bonzo-nft-collectibles) section of the documentation.

Desert Bonzo
0.0.6178137

Ocean Bonzo
0.0.6178141

Space Bonzo
0.0.6178143

Singularity Bonzo
0.0.6173820

## Cybernetic NFT Collectible The Bonzo Cybernetic NFT collectible is available for trading on secondary NFT marketplaces across the Hedera ecosystem, such as [SentX](https://sentx.io/nft-marketplace/creators/bonzo-finance) and [Kabila](https://market.kabila.app/en/collections).\ \ For more information about Bonzo NFT Collectibles, please see the [Cybernetic NFT](#cybernetic-nft-collectible) section of the documentation.

Cybernetic Bonzo
0.0.7743905

# 1st Edition Bonzo NFTs ## Bonzo NFT Collectibles Bonzo NFT Collectibles can be purchased on secondary NFT marketplaces across the Hedera ecosystem, such as [SentX](https://sentx.io/nft-marketplace/creators/bonzo-finance) and [Kabila](https://market.kabila.app/en/collections).

Desert Bonzo
0.0.6178137

Ocean Bonzo
0.0.6178141

Space Bonzo
0.0.6178143

Singularity Bonzo
0.0.6173820

## **🪙 Distribution of $BONZO tokens** * Accounts holding Bonzo NFT Collectibles are eligible to claim distributions of $BONZO. The distribution schedule of $BONZO tokens to NFT holders is found in the table below.
Distribution Date(s)Amount
Distribution #1Upon TGE (token generation event)
[February 21, 2025]		75% of "claimable" $BONZO per NFT
Distribution #2End of Season 2 points
[June 3, 2025]		25% of "claimable" $BONZO per NFT
## **⭐️ Bonus $BONZO Tokens -** Distribution Complete As part of the NFT sale campaign, bonus $BONZO tokens were awarded to accounts that held 20 or more of a single Bonzo NFT type: * 4,125 $BONZO (for holding 20+ of Desert) * 12,375 $BONZO (for holding 20+ of Ocean) * 24,875 $BONZO (for holding 20+ of Space) *Note: NFT types could not be combined to meet the 20+ threshold.* **To qualify, eligible accounts had to:** * Hold the required quantity during the first snapshot at the end of the NFT sale * Still hold the NFTs during a randomly timed second snapshot that occurred prior to the Token Generation Event (TGE) Both snapshots have been taken, and bonus distributions were sent in full to qualifying accounts at the time of the TGE. ## **🖼️ Bonzo NFT Collectables Utility** The three NFT tiers are as follows:
DesertOceanSpace
Token ID0.0.61781370.0.61781410.0.6178143
Circulating Supply1,323798400
Original Mint Cost (June 24)$100
1,210 ℏ		$300
3,630 ℏ		$600
7,320 ℏ
Current Utility

• Dedicated “Desert” role in Discord

• Early access to Bonzo PFP avatars

• $BONZO faucet rewards in Discord

• 1.1x Bonzo Points multiplier for utilization of protocol

• Ability to claim up to 3,300 6,270 $BONZO tokens

• Dedicated “Ocean” role in Discord

• Early access to Bonzo PFP avatars

• $BONZO faucet rewards in Discord

• 1.2x Bonzo Points multiplier for utilization of protocol

• Ability to claim up to 9,900 18,810 $BONZO tokens

• Dedicated “Space” role in Discord

• Early access to Bonzo PFP avatars

• $BONZO faucet rewards in Discord

• 1.3x Bonzo Points multiplier for utilization of protocol

• Ability to claim up to 19,900 37,810 $BONZO tokens

A fourth “Singularity” NFT collectible was sent to all accounts holding each of the three NFTs listed above after the sale had commenced and an account “snapshot” was taken. Utility for the "Singularity" NFT is as follows:
Singularity
Token ID0.0.6173820
Circulating Supply389
Original Mint Cost (June 24)For every complete set of Desert, Ocean, and Space Bonzo NFTs purchased, a Singularity Bonzo NFT was airdropped to the purchasing account ID.
Current Utility• Dedicated “Singularity” role in Discord
• Early access to Bonzo PFP avatars
• $BONZO faucet rewards in Discord
• 1.5x Bonzo Points multiplier for utilization of protocol
• Ability to claim up to 1,175 2,519 $BONZO tokens
## **👑 Royalty Fee** There are royalty fees for Bonzo NFTs as outlined in the table below.
Description% Fee
Bonzo Finance4.5%
InAMaze Artist0.5%
# Cybernetic NFT ## Bonzo Cybernetic NFT The Bonzo Cybernetic NFT collectible is available for trading on secondary NFT marketplaces across the Hedera ecosystem, such as [SentX](https://sentx.io/nft-marketplace/cybernetic-bonzo) and [Kabila](https://market.kabila.app/en/collections/7743905/items). The Cybernetic NFT collectible must be [burned on the HeadStarter platform](https://app.headstarter.org/portfolio/redeem-tokens?tab=other-tokens) in order to claim $BONZO governance tokens. Upon burning, the account will be airdropped a [Bonzo Commemorative NFT](/hub/staking-nfts-and-points/bonzo-nft-collectables/commemorative-nft) collectible.

Cybernetic Bonzo
0.0.7743905

### **🖼️ Cybernetic NFT Collectable Utility**
CategoryDetails
Token ID0.0.7743905
Circulating Supply500
Original Mint Cost (December 4-5)$200
685 ℏ
Current Utility

The Bonzo Cybernetic NFT offers unique benefits and utility before being burned at any time (starting at TGE on February 21, 2025) in order to claim $BONZO tokens:

  • Cybernetic Role in Discord: Owning Bonzo Cybernetic NFT Collectible grants holders a unique Discord role, and a memento NFT will be provided to maintain this role after the burn.
  • Stackable Points Multiplier: The Bonzo Cybernetic NFT Collectible features a 1.05x points multiplier, stackable with itself and existing Bonzo Finance NFT Collectibles until burned for $BONZO, with a total stacking cap of 2.0x.
  • $BONZO Token Distribution: The Bonzo Cybernetic NFT Collectible offers holders the ability to burn the NFT for a total of 11,400 claimable $BONZO tokens.
### **🪙 Distribution of $BONZO tokens** The Cybernetic NFT offers holders the ability to claim **11,400 $BONZO tokens**, ensuring widespread adoption and decentralization of $BONZO for DAO governance purposes.\ \ In order to claim $BONZO tokens from this NFT, it must be [burned on the HeadStarter platform](https://app.headstarter.org/portfolio/redeem-tokens?tab=other-tokens). A commemorative NFT will be provided to accounts that burn this NFT, in order to retain their Discord community role. **The Commemorative NFT received after burning does not include Bonzo Points multiplier utility.**
Distribution Date(s)Amount
Distribution #1February 21, 202575% of "claimable" $BONZO
Distribution #24 months after the date on which the Cybernetic NFT was burned25% of "claimable" $BONZO
### **👑 Royalty Fee** There are royalty fees configured for the Cybernetic NFT as outlined in the table below.
Description% Fee
Bonzo Finance4.5%
InAMaze Artist0.5%
# Commemorative NFT ## Bonzo Commemorative NFT The Bonzo Commemorative NFT collectible is airdropped to users who burn their Cybernetic Bonzo NFT on the HeadStarter platform.
### **🖼️ Commemorative NFT Collectable Utility**
CategoryDetails
Token ID0.0.8370668
Circulating SupplyUp to 500
Original Mint Cost Airdropped after burning Cybernetic Bonzo
NFT
Current Utility

Commemorative Bonzo is a token of appreciation provided to community members who burned their Cybernetic Bonzo NFT and offers community-centric utility.

  • Cybernetic Role in Discord: Owning Bonzo Cybernetic NFT Collectible grants holders a unique Discord role, and a memento NFT will be provided to maintain this role after the burn.
# Ownership & License Terms ### **NFT Ownership and License Terms** Bonzo Finance Foundation has created and issued various NFTs to the public (“***Bonzo NFTs***”). Unless otherwise stated, the following terms and conditions (these “***Terms***”) apply to each Bonzo NFT. BY PURCHASING OR OTHERWISE TAKING POSSESSION OF ANY BONZO NFT, YOU HEREBY AGREE TO THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT PURCHASE OR OTHERWISE TAKE POSSESSION OF ANY BONZO NFT. BONZO FINANCE FOUNDATION RESERVES THE RIGHT TO MODIFY THESE TERMS AT ANY TIME WITHOUT PRIOR NOTICE TO YOU. 1. **Definitions**. * “***Art***” means any art, design, and drawings that may be associated with an NFT that you Own. * "***NFT***" means any blockchain-tracked, non-fungible token, such as those conforming to the Hedera Token Service standard, including Bonzo NFTs. * “***Own***” means, with respect to an NFT, an NFT that you have purchased or otherwise rightfully acquired from a legitimate source, where proof of such purchase is recorded on the relevant blockchain. * “***Purchased NFT***” means an NFT that you Own. 2. **Ownership**. You acknowledge and agree that Bonzo Finance Foundation (or, as applicable, its licensors) owns all legal right, title and interest in and to the Art, and all intellectual property rights therein. The rights that you have in and to the Art are limited to those described in this License. Bonzo Finance Foundation reserves all rights in and to the Art not expressly granted to you in this License. 3. **Utility**. Owners may be offered utility, benefits, or entitlements (collectively, “Utility”) from time to time, but these Terms do not confer any Utility except as granted by the License. Bonzo Finance Foundation makes no assurances of any Utility. Any Utility may be subject to other terms and conditions. Bonzo Finance Foundation shall not be responsible in any manner for any Utility offered by any third party. 4. **License**. Subject to your continued compliance with the terms of this License, Bonzo Finance Foundation grants you a worldwide, non-exclusive, non-transferable, royalty-free license to use, copy, and display the Art for your Purchased NFTs, solely for the following purposes: (i) for your own personal, non-commercial use; (ii) as part of a marketplace that permits the purchase and sale of your NFTs, provided that the marketplace cryptographically verifies each NFT owner’s rights to display the Art for their Purchased NFTs to ensure that only the actual owner can display the Art; or (iii) as part of a third party website or application that permits the inclusion, involvement, or participation of your NFTs, provided that the website/application cryptographically verifies each NFT owner’s rights to display the Art for their Purchased NFTs to ensure that only the actual owner can display the Art, and provided that the Art is no longer visible once the owner of the Purchased NFT leaves the website/application. 5. **Restrictions**. You agree that you may not, nor permit any third party to do or attempt to do any of the foregoing without Bonzo Finance Foundation’s express prior written consent in each case: (i) modify the Art for your Purchased NFT in any way, including, without limitation, the shapes, designs, drawings, attributes, or color schemes (your use of Extensions will not constitute a prohibited modification hereunder); (ii) use the Art for your Purchased NFTs to advertise, market, or sell any third party product or service; (iii) use the Art for your Purchased NFTs in connection with images, videos, or other forms of media that depict hatred, intolerance, violence, cruelty, or anything else that could reasonably be found to constitute hate speech or otherwise infringe upon the rights of others; (iv) use the Art for your Purchased NFTs in movies, videos, or any other forms of media, except to the limited extent that such use is expressly permitted in Section 3(b) above or solely for your own personal, non-commercial use; (v) sell, distribute for commercial gain (including, without limitation, giving away in the hopes of eventual commercial gain), or otherwise commercialize merchandise that includes, contains, or consists of the Art for your Purchased NFTs; (vi) attempt to trademark, copyright, or otherwise acquire additional intellectual property rights in or to the Art for your Purchased NFTs; or (vii) otherwise utilize the Art for your Purchased NFTs for your or any third party’s commercial benefit. 6. **Royalties**. In addition to any Hedera network transaction fees, each time an NFT is transferred via a network transaction to another network account, Bonzo Finance Foundation shall collect a commission of 5% of the total value of that transaction (each, a “Commission”). You acknowledge and agree that the Commission will be transferred directly to Bonzo Finance Foundation through the Hedera network as part of the network transaction. 7. **Terms of License**. The license granted in Section 3 above applies only to the extent that you continue to Own the applicable Purchased NFT. If at any time you sell, trade, donate, give away, transfer, or otherwise dispose of your Purchased NFT for any reason, the license granted in Section 3 will immediately expire with respect to those NFTs without the requirement of notice, and you will have no further rights in or to the Art for those NFTs. 8. **Disclaimer of Risks**. You accept and acknowledge each of the following: * The value of an NFT is subjective and volatile. Bonzo Finance Foundation does not guarantee the future value of any Bonzo NFTs. You accept and acknowledge that the Bonzo NFTs do not represent investment contracts or any other investment vehicle, and the purchaser of any Bonzo NFT may lose money. * The Bonzo NFTs are recorded on the Hedera network, and Bonzo Finance Foundation is not responsible for any issues associated with the risk of hardware, software and internet connections, the risk of malicious software introduction, and the risk that third parties may obtain unauthorized access to information stored within your wallet, and any other technical risks associated with the underlying Hedera network, including network forks, upgrades, or outages that have unintended consequences for the Bonzo NFTs. You accept and acknowledge that Bonzo Finance Foundation will not be responsible for any communication failures, disruptions, errors, distortions or delays you may experience when using the Hedera network, however caused. * The regulatory regime governing blockchain technologies, cryptocurrencies, and tokens is uncertain, and new regulations or policies may materially adversely affect the Bonzo NFTs and their potential utility or value. You accept and acknowledge that Bonzo Finance Foundation is not responsible for your compliance with your local laws and regulations applicable to NFTs. 9. **Indemnification**. You agree to indemnify and hold harmless Bonzo Finance Foundation from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with any breach of your rights and obligations under these Terms. 10. **Limitation of Liability**. In no event shall either party be liable to the other party for any indirect, incidental, consequential, special, punitive, or exemplary damages (including, without limitation, damages for loss of profits, revenue, business, data, or use), even if such party has been advised of the possibility of such damages. Except for liability arising from a breach of Section 5 (Indemnification) or a party's gross negligence or willful misconduct, each party's total cumulative liability to the other party for any and all claims and damages arising out of or relating to this Agreement shall not exceed the greater of the total amount of the purchase price paid by you to Bonzo Finance Foundation or $100 USD in the event you did not acquire the Purchased NFT from Bonzo Finance Foundation. 11. **Dispute Resolution**. These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws principles. Any dispute, controversy, or claim arising out of or relating to this Agreement, or the breach, termination, or validity thereof, shall be resolved by final and binding arbitration administered by JAMS in accordance with its Comprehensive Arbitration Rules and Procedures (the "JAMS Rules") then in effect. The arbitration shall be conducted in New York City, New York. The arbitration shall be conducted by a single arbitrator selected in accordance with the JAMS Rules. The arbitrator shall be experienced in commercial transactions involving intellectual property. The arbitrator shall award the prevailing party, if any, its costs and reasonable attorneys' fees. If no party is deemed to be the prevailing party, each party shall bear its own costs and attorneys' fees. # Protocol Audits The Bonzo Finance v1 smart contracts have undergone audits by Halborn across the following categories in the table below, with links to each audit:
ProviderLend ContractsLend Liquidity IncentivesStaking ModuleLayerZero OFTBonzo Vaults
HalbornReportReportReportReportReport
# Bonzo Lend # Lend Contracts A comprehensive overview of all deployed contracts for the Bonzo Finance protocol across Hedera Testnet and Mainnet environments. ## Core Protocol Contracts ### Lending Pool Infrastructure
Contract NameTestnet AddressMainnet Address
LendingPoolAddressesProviderRegistry0xA5B57E3d0205436Eb3bb7d0F49bf1C9E399110F80xE20273F10D1b85BaF56F6063cd5271C885427EC5
LendingPoolAddressesProvider0x873575d4AeeBe015AcF3BB17AAa9DD248cc76D680x76b846DAB3646527bfb75952E1f33AfAA72B56D1
LendingPool0xf67DBe9bD1B331cA379c44b5562EAa1CE831EbC20x236897c518996163E7b313aD21D1C9fCC7BA1afc
LendingPoolConfigurator0x6Fa59558495a4D8B1701ab7924fc5a249d63cfF00xf41332220e51Ca8dB22De683fB0157e644e7A963
LendingPoolCollateralManager0x35426e22F51165008fD594265b789C258f68D4570x7687E1AaAD6cE335fb7d64ede7Dd7273De883698
### Oracle Contracts | Contract Name | Testnet Address | Mainnet Address | | ----------------- | ---------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------- | | AaveOracle | [0x9B940a1e60D652bCaf09C1d2224d1A4a544FDFb0](https://hashscan.io/testnet/contract/0.0.4999377) | [0xc0Bb4030b55093981700559a0B751DCf7Db03cBB](https://hashscan.io/mainnet/contract/0.0.7308480) | | PriceOracle | [0xF6e755380518589dE02f0F6BaA1D291C016992Cb](https://hashscan.io/testnet/contract/0.0.4999375) | [0x9F1981afD19e2881A4Acb39aa144c7fBc4a6D8b3](https://hashscan.io/mainnet/contract/0.0.7308479) | | LendingRateOracle | [0xeC4a61EEb3d4015CCed52E51697347bf893931E7](https://hashscan.io/testnet/contract/0.0.4999378) | [0x2a9272C588c8b6C04757577d08285211C18232DD](https://hashscan.io/mainnet/contract/0.0.7308481) | ### Data Provider & Helper Contracts | Contract Name | Testnet Address | Mainnet Address | | ------------------------ | ---------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------- | | AaveProtocolDataProvider | [0x121A2AFFA5f595175E60E01EAeF0deC43Cc3b024](https://hashscan.io/testnet/contract/0.0.4999382) | [0x78feDC4D7010E409A0c0c7aF964cc517D3dCde18](https://hashscan.io/mainnet/contract/0.0.7308483) | | WalletBalanceProvider | [0xBB265cFA2Ccaa97260fAfd7303fCE751F3081d51](https://hashscan.io/testnet/contract/0.0.4999416) | [0xD64ffB431cF66fDEDB6f98Af07c63F49295b69e5](https://hashscan.io/mainnet/contract/0.0.7308530) | | WETHGateway | [0x16197Ef10F26De77C9873d075f8774BdEc20A75d](https://hashscan.io/testnet/contract/0.0.4999384) | [0x9a601543e9264255BebB20Cef0E7924e97127105](https://hashscan.io/mainnet/contract/0.0.7308485) | ## Implementation Contracts These are the underlying implementation contracts (proxy contracts) used by the protocol. | Contract Name | Testnet Address | Mainnet Address | | -------------------------------- | ---------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------- | | LendingPoolImpl | [0xC9beA74f6A2897c0C014Fe26e141c6518a2D2b8E](https://hashscan.io/testnet/contract/0.0.4999354) | [0x5290b075d737606fccccA2f745D7337E0fCe633B](https://hashscan.io/mainnet/contract/0.0.7308458) | | LendingPoolConfiguratorImpl | [0xfa36F969AA5eFef29ADb2cf895c5B286a8eD72b1](https://hashscan.io/testnet/contract/0.0.4999357) | [0x650f70Ec874DAB7464FEAc9Ba55D07f3896721a6](https://hashscan.io/mainnet/contract/0.0.7308461) | | LendingPoolCollateralManagerImpl | [0x35426e22F51165008fD594265b789C258f68D457](https://hashscan.io/testnet/account/0.0.4999415) | [0x7687E1AaAD6cE335fb7d64ede7Dd7273De883698](https://hashscan.io/mainnet/contract/0.0.7308529) | ## Supported Mainnet Assets ### WHBAR * Token: [`0x0000000000000000000000000000000000163b5a`](https://hashscan.io/mainnet/token/0.0.1456986) * aToken: [`0x6e96a607F2F5657b39bf58293d1A006f9415aF32`](https://hashscan.io/mainnet/contract/0.0.7308509) * Variable Debt: [`0xCD5A1FF3AD6EDd7e85ae6De3854f3915dD8c9103`](https://hashscan.io/mainnet/contract/0.0.7308511) ### HBARX * Token: [`0x00000000000000000000000000000000000cba44`](https://hashscan.io/mainnet/token/0.0.834116) * aToken: [`0x40EBC87627Fe4689567C47c8C9C84EDC4Cf29132`](https://hashscan.io/mainnet/contract/0.0.7308502) * Variable Debt: [`0xF4167Af5C303ec2aD1B96316fE013CA96Eb141B5`](https://hashscan.io/mainnet/contract/0.0.7308504) ### USDC * Token: [`0x000000000000000000000000000000000006f89a`](https://hashscan.io/mainnet/token/0.0.456858) * aToken: [`0xB7687538c7f4CAD022d5e97CC778d0b46457c5DB`](https://hashscan.io/mainnet/contract/0.0.7308496) * Variable Debt: [`0x8a90C2f80Fc266e204cb37387c69EA2ed42A3cc1`](https://hashscan.io/mainnet/contract/0.0.7308498) ### SAUCE * Token: [`0x00000000000000000000000000000000000b2ad5`](https://hashscan.io/mainnet/token/0.0.731861) * aToken: [`0x2bcC0a304c0bc816D501c7C647D958b9A5bc716d`](https://hashscan.io/mainnet/contract/0.0.7308505) * Variable Debt: [`0x736c5dbB8ADC643f04c1e13a9C25f28d3D4f0503`](https://hashscan.io/mainnet/contract/0.0.7308507) ### XSAUCE * Token: [`0x00000000000000000000000000000000001647e8`](https://hashscan.io/mainnet/token/0.0.1460200) * aToken: [`0xEc9CEF1167b4673726B1e5f5A978150e63cDf23b`](https://hashscan.io/mainnet/contract/0.0.7308493) * Variable Debt: [`0x08c816eC7aC0580c802151E4efFbDa687f7Cac2a`](https://hashscan.io/mainnet/contract/0.0.7308495) ### KARATE * Token: [`0x000000000000000000000000000000000022d6de`](https://hashscan.io/mainnet/token/0.0.2283230) * aToken: [`0x98262552C8246Ffb55E3539Ceb51838912402959`](https://hashscan.io/mainnet/contract/0.0.7308499) * Variable Debt: [`0xB6209F33982CE99139Ab325b13B260d32287A807`](https://hashscan.io/mainnet/contract/0.0.7308501) ### DOVU * Token: [`0x000000000000000000000000000000000038b3db`](https://hashscan.io/mainnet/token/0.0.3716059) * aToken: [`0x89D2789481cB4CB5B6949Ff55EBA5629c5bC5B1E`](https://hashscan.io/mainnet/contract/0.0.7308512) * Variable Debt: [`0x9d81E1676A7e116ec725208DdeAB11929eA3F7A6`](https://hashscan.io/mainnet/contract/0.0.7308514) ### HST * Token: [`0x00000000000000000000000000000000000ec585`](https://hashscan.io/mainnet/token/0.0.968069) * aToken: [`0x2e63e864AAD2ce87b45d2C93bc126850DC5122c9`](https://hashscan.io/mainnet/contract/0.0.7308515) * Variable Debt: [`0xdc6e9E967648cd28E8BaF2EB1124ef7C9C5Bd027`](https://hashscan.io/mainnet/contract/0.0.7308517) ### PACK * Token: [`0x0000000000000000000000000000000000492a28`](https://hashscan.io/mainnet/token/0.0.4794920) * aToken: [`0x5F98C43ce4b4765638d69B4a2407a2186A347CB9`](https://hashscan.io/mainnet/contract/0.0.7308518) * Variable Debt: [`0x63c7EF5398E8Fe23D95E762802F011590A7816a1`](https://hashscan.io/mainnet/contract/0.0.7308520) ### STEAM * Token: [`0x000000000000000000000000000000000030fb8b`](https://hashscan.io/mainnet/token/0.0.3210123) * aToken: [`0x46BEf910150a3880ce6eAC60A059E70494A4805e`](https://hashscan.io/mainnet/contract/0.0.7308521) * Variable Debt: [`0xdFD1D43cbd700AEC5bcc151d028274412d31db70`](https://hashscan.io/mainnet/contract/0.0.7308523) ### GRELF * Token: [`0x000000000000000000000000000000000011afa2`](https://hashscan.io/mainnet/token/0.0.1159074) * aToken: [`0xb8c34c9a46AEdf1decb846F942861EeE7dE78075`](https://hashscan.io/mainnet/contract/0.0.8677321) * Variable Debt: [`0x0E509Fc72f4b5d97494c0d45fcd1cF04d531Be44`](https://hashscan.io/mainnet/contract/0.0.8677323) ### KBL * Token: [`0x00000000000000000000000000000000005b665a`](https://hashscan.io/mainnet/token/0.0.5989978) * aToken: [`0xC45A34b9D9e29fBfCAACC9193FD0CE950e63Ba81`](https://hashscan.io/mainnet/contract/0.0.9132058) * Variable Debt: [`0x6a74429E0D761085C4D5520A14ab59874dfe1C06`](https://hashscan.io/mainnet/contract/0.0.9132060) ### BONZO * Token: [`0x00000000000000000000000000000000007e545e`](https://hashscan.io/mainnet/token/0.0.8279134) * aToken: [`0xC5aa104d5e7D9baE3A69Ddd5A722b8F6B69729c9`](https://hashscan.io/mainnet/contract/0.0.9155090) * Variable Debt: [`0x1790C9169480c5C67D8011cd0311DDE1b2DC76e0`](https://hashscan.io/mainnet/contract/0.0.9155092?pr=1\&pa=1\&ps=1\&pf=1) ## Interest Rate Strategy Contracts ### Base Strategies | Strategy Name | Testnet Address | Mainnet Address | | -------------- | ---------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------- | | Volatile One | [0x82a278be934D9Ba2e4e46cad5d818647E2Ef0990](https://hashscan.io/testnet/contract/0.0.4999387) | [0x0eaD7dDfC2Bb172D4a899aad8E7b4d882067a001](https://hashscan.io/mainnet/contract/0.0.7308488) | | Volatile Two | [0x58812c9430fc9C1e246E34a92a11ecea057DB049](https://hashscan.io/testnet/contract/0.0.4674857) | [0xDa47ecEC5ba98eF6a8C3c4F7EaDa3FBda6f7EED9](https://hashscan.io/mainnet/contract/0.0.7308491) | | Volatile Three | [0x5c5a27079728FCB66522760032e19cf5d94Fd823](https://hashscan.io/testnet/contract/0.0.3666324) | - | ### Asset-Specific Strategies
AssetMainnet Address
HBAR (wHBAR)0x82C50aAfe0dc3f92e637EE05076d68180DB06d58
HBARX0xA68FC75Acc8a731a1e5cc4CB717b162566d947A8
USDC0x10753aD937e2f16daB73230fE5e5d8ace807C666
SAUCE0xf38e204b948Db78Ca5D51cCEd7ccEe182Fe4bcA8
XSAUCE0x998A60b83617F05c1Dcd4b3f5D37a2265d6a674D
KARATE0x9bB33f2D511CA3089Fc5696BEe3ABee7174a556a
DOVU0xC8C0c05683474a7B4c8DdaD69D0D546A841Be5D4
HST0x6886E0eD3Cb5dcE6f8e50dCb692a142AE8a14775
PACK0x4DF846F81135d9e63834AD4C7865F1C1983F767a
STEAM0xA3E524FE431011dc6d050c32E92Acc38D2f50cB4
### HCS-20 Points | Topic ID | Season | Ticker ID | | ------------------------------------------------------------ | ----------------- | --------- | | [0.0.7159077](https://hashscan.io/mainnet/topic/0.0.7159077) | Pre-Season Points | BZPT | | [0.0.7159077](https://hashscan.io/mainnet/topic/0.0.7159077) | Season 1 Points | BZ\_S1 | # Lend Data API Welcome to the Bonzo Lend API documentation. This guide provides comprehensive information about the API endpoints, data structures, and usage examples to help you integrate Bonzo Lend data into your application or AI agent. Whether you're building custom liquidation services or integrating market statistics into your application, this documentation will assist you every step of the way. ## Introduction ### Overview The **Bonzo Lend API** provides current lending pool market statistics and individual account supply and borrow information for the [Bonzo.Finance](https://bonzo.finance) protocol. The service is publicly accessible and can be queried by third parties wishing to interact with the Bonzo Liquidity Pools, such as custom liquidation services or analytical tools. ### Key Features * **Real-Time Market Data**: Access up-to-date information on supply and borrow pools for supported Hedera tokens. * **Account Insights**: Retrieve detailed account information, including balances and solvency computations. * **Public Endpoints**: Open API for developers to build custom solutions and integrations. * **OpenAPI Specification**: Comprehensive API definitions for easy integration. ## Base URL {% hint style="warning" %} With the introduction of EVM ERC-20 assets on "Bonzo Lend" (e.g. $wETH LayerZero) — please utilize this temporary URL for live data, in place of the URL found below: — notices will be provided via [𝕏](https://x.com/bonzo_finance) and [Discord](https://bonzo.finance/discord) for when the URL below will become active again, after this period of temporary monitoring. Thank you. {% endhint %} All API requests are made to the following base URL: ``` https://data.bonzo.finance/ ``` ## Common Response Structure ### Balance Information Object All token balances are returned in a standardized format: ```typescript { "tiny_token": "0x1234...", // Hex string of smallest denomination "token_display": "100.50", // Human-readable token amount "hbar_tinybar": "0x5678...", // Hex string of HBAR equivalent in tinybars "hbar_display": "50.25", // Human-readable HBAR equivalent "usd_wad": "0x90ab...", // Hex string of USD value in WAD "usd_display": "75.30" // Human-readable USD value } ``` ## Endpoints ### 1. Account Dashboard Get detailed information about an account's lending and borrowing positions. ```http GET /dashboard/{accountId} ``` #### Parameters
NameTypeDescription
accountIdstringHedera account ID in format shard.realm.num
#### Response ```typescript { "chain_id": string, //The EIP155 identifier of the hedera network used to create Ethereum transactions. "network_name": string, //The name identifier of the hedera network compatible with forNetwork and other native SDK toolkits. "hts_address": string, //The native hedera address for the account in question "evm_address": string, //The 20-byte EVM address for the account as seen by the network’s mirror node, this is the form of account address that must be used when interacting with Bonzo contracts. "reserves": [ //A list of reserve currencies and their statistics related to the account in question: "average_supply_apy": number, //The average return from supply of all holdings in the pool. "average_borrow_apy": number, //The average interest rate from all borrowed tokens from the pool. "average_net_apy": number //The average net APY on supplied assets minus the interest rate from borrowed tokens. { "id": number, //The ID of the reserve currency (typically the index of the currency in the pool’s internal list of reserve currencies.) "name": string, //Name of the reserve currency. "symbol": string, // The symbol for the reserve currency. "coingecko_id": string, //The CoinGecko ID associated with reserve token. Useful to 3rd party external wishing to lookup reserve prices without having to call the Supra Oracle. "hts_address": string, //The Native Hedera HTS address of the currency. "evm_address": string, //The EVM 20byte address for the currency. "atoken_address": string, //The EVM ERC20 address for the corresponding aToken for the reserve currency. "stable_debt_address": string, //The EVM ERC20 address for the corresponding stable debt for the reserve currency. "variable_debt_address": string, //The EVM ERC20 address for the corresponding variable debt for the reserve currency. "protocol_treasury_address": string, //The address of the treasury that receives the protocol's interest reserve payments. "decimals": number, //The native number of decimals of the currency. "ltv": number, //Loan-to-Value (LTV) of the reserve currency. "liquidation_threshold": number, //The liquidation Threshold for the reserve currency. "liquidation_bonus": number, //The liquidation bonus of the reserve currency. "active": boolean, //The active state of the reserve currency. "frozen": boolean, //The frozen state of the reserve currency. "variable_borrowing_enabled": boolean, //The variable borrowing state of the reserve currency. "stable_borrowing_enabled": boolean, //The stable rate borrowing state of the reserve currency. "reserve_factor": number, //The reserve factor. "token_balance": BalanceInfo, //The current balance information for the account’s holdings of the reserve token. "atoken_balance": BalanceInfo, //The amount of token this account supplied to the liquidity pool contract. "stable_debt_balance": BalanceInfo, //The amount of stable rate debt this account has accumulated. "variable_debt_balance": BalanceInfo, //The amount of variable rate debt this account has accumulated. "available_liquidity": BalanceInfo, //The total system wide liquidity available for this token. "total_stable_debt": BalanceInfo, //The total system wide stable debt for this token. "total_variable_debt": BalanceInfo, //The total system wide variable debt for this token. "total_supply": BalanceInfo, //The sum total of all supplied value of this token across all accounts. "borrow_cap": BalanceInfo, //The total system wide borrow limit for this token. "supply_cap": BalanceInfo, //The total system wide supply limit for this token. "utilization_rate": number, //The total system utilization of supplied token as a percentage. "supply_apy": number, //The current supply APY yield in percent. "variable_borrow_apy": number, //The current variable borrow APY cost in percent. "stable_borrow_apy": number, //The current stable borrow APY cost in percent. "use_as_collateral_enabled": boolean, //If true, the supplied balance of this token can be used by account as Collateral for borrowing purposes. "price_weibars": string, //The current market price in weibars (hex encoded binary integer) "price_usd_wad": string, //The equivalent USD price value in WAD (hex encoded binary integer) "price_usd_display": string //The equivalent USD price value for display purposes (string lossy representation). } ], "user_credit": { //Additional credit information attributed to the account in question. "hbar_balance": BalanceInfo, //The current account’s native crypto balance. "total_supply": BalanceInfo, //The total amount of value this account has supplied across reserve currencies, normalized to value in hbar. "total_collateral": BalanceInfo, //The sum total amount of supply that is enabled as collateral, normalized in hbar. "total_debt": BalanceInfo, //The sum total amount of account debt, normalized in hbar. "credit_limit": BalanceInfo, //The remaining value that this account may borrow, normalized in hbar. "liquidation_ltv": number, //Loan to Value threshold at which the borrower can be liquidated. "current_ltv": number, //The average loan to value position of this account. "max_ltv": number, //Loan-to-Value (LTV) allowed. "health_factor": number, //Acocunt’s health factor. }, "timestamp": string //The consensus timestamp this information was generated. } ``` #### Example Request ```bash curl https://data.bonzo.finance/dashboard/0.0.1234 ``` ### 2. List of Debtors Get a list of all accounts with outstanding debt. 
GET /debtors
#### Response ```typescript { "chain_id": string, //The EIP155 identifier of the hedera network used to create Ethereum transactions. "network_name": string, //The name identifier of the hedera network compatible with forNetwork and other native SDK toolkits. "debtors": string[], // Array of EVM addresses "timestamp": string //The consensus timestamp this information was generated. } ``` #### Example Request ```bash curl https://data.bonzo.finance/debtors ``` ### 3. Market Information Get current global state of all Bonzo liquidity pools. ```http GET /market ``` #### Response ```typescript { "chain_id": string, //The EIP155 identifier of the hedera network used to create Ethereum transactions. "network_name": string, //The name identifier of the hedera network compatible with forNetwork and other native SDK toolkits. "reserves": [ //A list of reserve currencies and their global statistics: { "id": number, //The ID of the reserve currency (typically the index of the currency in the pool’s internal list of reserve currencies.) "name": string, //Name of the reserve currency. "symbol": string, //The symbol for the reserve currency. "coingecko_id": string, //The CoinGecko ID associated with reserve token. Useful to 3rd party external wishing to lookup reserve prices without having to call the Supra Oracle. "hts_address": string, //The Native Hedera HTS address of the currency. "evm_address": string, //The EVM 20byte address for the currency/ // ... same as reserves object in dashboard endpoint } ], "timestamp": string //The consensus timestamp this information was generated. } ``` ### 4. Pool Statistics Get 24-hour usage statistics for the protocol. ```http GET /stats ``` #### Response ```typescript { "chain_id": string, //The EIP155 identifier of the hedera network used to create Ethereum transactions. "network_name": string, //The name identifier of the hedera network compatible with forNetwork and other native SDK toolkit "total_supply_value": BalanceInfo, //The total amount of reserves supplied to the entire system, normalized in hBar value. "total_borrowed_value": BalanceInfo, //The total amount of reserves borrowed from the entire system, normalized in hBar value. "total_liquidity_value": BalanceInfo, //The total amount of supplied reserves minus borrowed, normalized in hBar value. "total_deposits_count": number, //Total number of deposits that occurred in the past 24-hour period. "total_withdraws_count": number, //Total number of withdrawals that occurred in the past 24-hour period. "total_borrows_count": number, //Total number of borrowings that occurred in the past 24-hour period. "total_repays_count": number, //Total number of repayments that occurred in the past 24-hour period. "total_enable_collateral_count": number, //Total number of times an account approved a deposit can be used as collateral in the past 24-hour period. "total_disable_collateral_count": number, //Total number of times an account removed a deposit as collateral in the past 24-hour period. "total_flash_loan_count": number, //Total count of flash loans executed in the past 24-hour period. "total_flash_loan_fees": BalanceInfo, //Total value of flash loan fees paid to the protocol in the past 24-hour period. "total_liquidations_count": number, //Total count of loan liquidations in the past 24-hour period. "total_liquidation_payoffs": BalanceInfo, //Total value of loans paid off via liquidations in the past 24-hour period. "total_liquidation_rewards": BalanceInfo, //Total value of collateral rewarded to liquidators in the past 24-hour period. "total_liquidation_bonuses": BalanceInfo, //Total value of the portion of collateral rewarded to liquidators that is considered the bonus value (value in excess of payoff value) in the past 24-hour period. "total_protocol_fees": BalanceInfo, //Total value of fees collected by the protocol in the past 24-hour period. "total_intrest_earned": BalanceInfo, //Total value of interest earned by liquidity suppliers in the past 24-hour period. "total_gas_consumed": number, //Total value of gas consumed by the Hedera EVM all protocol activity in the past 24-hour period. "total_gas_charged": number, //Total value of gas charged by the Hedera Network to execute the protocol activities in the past 24-hour period, this value may exceed the total gas consumed due to the nature of how hedera manages EVM gas authorizations. "total_network_fees": number, //Total native hedera fees beyond gas fees charged to execute protocol activities in the past 24-hour period. "total_successful_transactions": number, //Count of all successful transactions submitted to the protocol in the past 24-hour period. "total_failed_transactions": number, //Count of transactions submitted to the protocol that failed to execute in the past 24-hour period. "active_users": string[], //A array list of accounts (EVM 20byte addresses) that have interacted with the protocol in the past 24-hour period. "reserves": [...], // Same as market endpoint "timestamp_start": string, //The consensus timestamp at the beginning of this 24-hour period. "timestamp_end": string //The consensus timestamp at the end of this 24-hour period. } ``` ### 5. Protocol Information Get server and protocol configuration information. ```http GET /info ``` #### Response ```typescript { "chain_id": string, //The EIP155 identifier of the hedera network used to create Ethereum transactions. "network_name": string, //The name identifier of the hedera network compatible with forNetwork and other native SDK toolkits. "mirror_node": string, //The upstream mirror node this system relies upon to retrieve information from the hedera network. "lending_pool_address": string, //Address of the lending pool contract, the providing the lending and borrowing interfaces. "price_oracle_address": string, //Address of the price oracle contract, the contract the protocol relies upon for current market prices. "protocol_data_provider_address": string, //Address of the protocol data provider contract, this is the root contract upon which all other information regarding the protocol, pools, reserves and oracles can be obtained. "lending_pool_configurator_address": string, //The configuration module for the protocol. Monitoring events from this contract can alert applications of changes in the protocol configuration. "whbar_hts_address": string, //The Native Hedera HTS address of the token wrapping native hbar crypto. "whbar_evm_address": string, //The EVM 20byte address for the address of the token wrapping native hbar crypto. "reserves": [...] // Basic reserve configuration info } ``` ### 6. BONZO Token Information Get circulation information for the BONZO token. ```http GET /bonzo ``` ### Response ```typescript { "chain_id": string, //The EIP155 identifier of the hedera network used to create Ethereum transactions. "network_name": string, //The name identifier of the hedera network compatible with forNetwork and other native SDK toolkits. "token_id": string, //The native hedera address for the BONZO token. "symbol": string, //The string symbol representing the token. "name": string, //The name of the token. "memo": string, //The memo record associated with the token. "total_supply": string, //The total minted supply of the token, in smallest denomination. "circulating_supply": string, //The circulating supply of the token, in smallest denomination. "decimals": number, //The number of decimals associated with the token. "treasuries": [ //A list of Hedera accounts that make up the various identified treasuries of $BONZO; the balances held by these accounts do not count towards circulating supply. { "address": string, //The native Hedera address of the treasury account. "name": string, //The name of the treasury. "balance": string //The balance of token held by the treasury, in smallest denomination. } ], "timestamp": string //The consensus timestamp this information was generated. } ``` ### 7. BONZO Circulation Supply Get current circulating supply of BONZO token in decimal notation. ```http GET /bonzo/circulation ``` #### Response Plain text number representing circulating supply. ## Error Handling The API uses standard HTTP status codes: * 200: Success * 404: Resource not found * 503: Service unavailable (upstream mirror node error) Error responses include a text explanation of the issue. ## Rate Limiting * Current rate limits: None * Please implement reasonable request throttling in your applications ## Best Practices 1. Cache responses when appropriate to minimize API calls 2. Use the dashboard endpoint instead of market when you have an account ID 3. Implement exponential backoff for retries 4. Monitor the health factor of positions if building liquidation bots ## Example Implementation Here's a simple JavaScript example to fetch market data: ```javascript async function getBonzoMarketData() { try { const response = await fetch('https://data.bonzo.finance/market'); if (!response.ok) { throw new Error(`HTTP error! status: ${response.status}`); } const data = await response.json(); // Process reserves data data.reserves.forEach(reserve => { console.log(`${reserve.symbol}: ${reserve.utilization_rate}% utilization`); console.log(`Supply APY: ${reserve.supply_apy}%`); console.log(`Borrow APY: ${reserve.variable_borrow_apy}%`); }); } catch (error) { console.error('Error fetching market data:', error); } } ``` ## Support * Discord: [Join Bonzo Finance Discord](https://www.bonzo.finance/Discord/) # Flash Loans Flash Loans are a type of uncollateralized loan that allows developers to borrow substantial amounts of assets for a brief period, execute a defined set of strategies, and repay the loan, all within a single "atomic" transaction. This functionality opens up a world of possibilities for DeFi users, enabling them to take advantage of arbitrage and liquidation bot opportunities, optimize their positions, and access liquidity in ways not previously possible. Learn more in this educational blog posting: "[Flash Loans: How They Work and Potential Use Cases](https://bonzo.finance/blog/flash-loans-how-they-work-and-potential-use-cases)" # Liquidation Bots (Beta) {% hint style="warning" %} **Disclaimer:** This tutorial is for educational purposes only. Liquidations involve financial risk. All participants should ensure compliance with applicable laws and regulations in their jurisdiction before performing any liquidation activities. {% endhint %} In the Bonzo Protocol, liquidation occurs when a borrower's collateral value falls below a certain threshold due to changes in asset prices or accrued interest. Liquidators can repay a portion of the borrower's debt and receive a liquidation bonus on the collateral they obtain. This process helps maintain the protocol's solvency and incentivizes liquidators. This tutorial will demonstrate how to perform a liquidation on the Bonzo Protocol deployed on the Hedera blockchain using a custom smart contract and a Hardhat script. #### **Core Concepts:** * **Collateral Asset**: The asset supplied by the borrower. * **Debt Asset**: The asset borrowed by the borrower. * **Health Factor**: A value representing the safety of the borrower's position. A health factor below 1 indicates that the position is undercollateralized and can be liquidated. #### **Example Code & Script Repositories:** * **Smart Contract**: [LiquidationContract.sol](https://github.com/Bonzo-Labs/bonzo-finance-contracts/blob/main/contracts/examples/LiquidationContract.sol) * **Sample Scripts**: [liquidationFlashLoan scripts](https://github.com/Bonzo-Labs/bonzo-finance-contracts/tree/main/scripts/liquidationFlashLoan) # SaucerSwap DEX ## How the Liquidation Bot Utilizes SaucerSwap on Hedera The liquidation process involves not only repaying the borrower's debt but also converting assets to ensure that the liquidator ends up with a net profit. On the Hedera network, SaucerSwap plays a crucial role in facilitating these token swaps efficiently. ### What is SaucerSwap? [SaucerSwap](https://www.saucerswap.finance/) is a decentralized exchange (DEX) built on the Hedera network. It allows users to swap between different Hedera Token Service (HTS) assets seamlessly and provides liquidity pools for various token pairs. ### Role of SaucerSwap in Liquidation When performing a liquidation on the Bonzo Protocol: 1. **Flash Loan**: The liquidator contract takes out a flash loan of the debt asset from the Bonzo lending pool. 2. **Debt Repayment**: The borrowed amount is used to repay the borrower's debt, thereby initiating the liquidation process. 3. **Collateral Acquisition**: In return for repaying the debt, the liquidator receives a portion of the borrower's collateral, including a liquidation bonus. 4. **Token Swap via SaucerSwap**: The collateral asset received may not be the desired asset for the liquidator. Using SaucerSwap, the liquidator swaps the collateral asset back to the original debt asset or another preferred asset. 5. **Repaying the Flash Loan**: The liquidator uses the swapped assets to repay the flash loan plus any fees, keeping any remaining assets as profit. ### Integration with the Liquidator Contract The **`LiquidatorContract.sol`** is designed to interact seamlessly with SaucerSwap: * **Associating Tokens**: On Hedera, tokens need to be associated with an account or contract before they can be transferred. The liquidator contract includes functions to associate necessary tokens to facilitate swaps. * **Swapping Assets**: The **`executeOperation()`** function in the contract uses SaucerSwap's router to swap the collateral assets received during liquidation back into the debt asset or another specified token. * **Optimizing Profits**: By leveraging SaucerSwap's liquidity pools, the liquidator can optimize the swap rates, ensuring maximum profitability from the liquidation process. ### Benefits of Using SaucerSwap * **Liquidity**: Access to deep liquidity pools for various token pairs on the Hedera network. * **Efficiency**: Fast and cost-effective swaps due to Hedera's high throughput and low fees. * **Smart Contract Integration**: Easy integration with smart contracts, enabling automated and trustless execution of swaps during the liquidation process. # Environment Setup ## Prerequisites Before we begin, make sure you have the following: * **Basic understanding** of Solidity, Hardhat, and JavaScript/TypeScript. * **Node.js and npm** installed on your machine. * [**HashPack**](https://hashpack.app) or another wallet configured for the Hedera network. * **Hedera testnet** account credentials. ### 1. Clone the Repository First, clone the repository containing the smart contract and script: {% code overflow="wrap" %} ```bash git clone https://github.com/Bonzo-Labs/bonzo-finance-contracts.git cd bonzo-finance-contracts ``` {% endcode %} ### 2. Install Dependencies Install the required npm packages (you may need to use the **`--legacy-peer-deps`** flag due to older versions of dependencies): ```bash npm install --legacy-peer-deps ``` ### 3. Configure Environment Variables Create a **`.env`** file in the root directory and add your Hedera account details and other configurations: ```bash PRIVATE_KEY=your-private-key ACCOUNT_ID=your-account-id PROVIDER_URL=https://testnet.hashio.io/api LENDING_POOL_ADDRESS=0x... DATA_PROVIDER_ADDRESS=0x... PRICE_ORACLE_ADDRESS=0x... LIQUIDATOR_CONTRACT_ADDRESS=0x... ``` * Replace **`your-private-key`** and **`your-account-id`** with your actual Hedera testnet account credentials. * Replace **`0x...`** with the actual contract addresses. You can find the mainnet contract addresses [here](https://docs.bonzo.finance/hub/developer/contract-deployments). ### 4. Install Hedera SDK (if not already installed) ```bash npm install @hashgraph/sdk ``` # Liquidator Contract The **`LiquidatorContract.sol`** smart contract facilitates liquidations by interacting with the Bonzo lending pool and performing token swaps via SaucerSwap. ### 1. Review the Contract You can find the contract code [here](https://github.com/Bonzo-Labs/bonzo-finance-contracts/blob/main/contracts/examples/LiquidationContract.sol). **Key Functions:** * **`liquidate()`**: Initiates the flash loan and triggers the liquidation. * **`executeOperation()`**: Called after receiving the flash-loaned amount; performs the liquidation and token swap. * **`_associateToken()`**: Associates Hedera tokens with the contract (required on Hedera). ### 2. Compile the Contract Compile the contract using Hardhat: ```bash npm run compile ``` ### 3. Deploy the Contract Deploy the contract to the Hedera testnet: ```bash npx hardhat run scripts/deploy.ts --network hedera_testnet ``` * Ensure your **`hardhat.config.ts`** is set up for the Hedera testnet. * In **`deploy.ts`**, replace **`LendingPoolAddressesProvider_address`** and **`SaucerswapRouter_address`** with the actual contract addresses. # Configuring Hardhat The Hardhat script **`liquidate.ts`** automates the liquidation process by interacting with the deployed Liquidator contract. ### 1. Review the Script You can find the script code [here](https://github.com/Bonzo-Labs/bonzo-finance-contracts/blob/main/scripts/liquidationFlashLoan/liquidate.ts). #### **Key Components:** * **Chain Data Configuration**: Contains network-specific data such as operator keys, contract addresses, and token paths. * **Contract Setup Functions**: Functions to initialize contract instances using ABIs and addresses. * **Liquidation Functions**: Functions that perform the liquidation using different methods (direct contract interaction, script-based). ### 2. Update Chain Data Ensure that the **`chainData`** object in the script contains the correct addresses and keys for your environment: ```typescript const chainData = { operatorId: process.env.ACCOUNT_ID, operatorKey: process.env.PRIVATE_KEY, providerUrl: process.env.PROVIDER_URL, liquidatorContractAddress: process.env.LIQUIDATOR_CONTRACT_ADDRESS, lendingPoolAddress: process.env.LENDING_POOL_ADDRESS, dataProviderAddress: process.env.DATA_PROVIDER_ADDRESS, priceOracleAddress: process.env.PRICE_ORACLE_ADDRESS, // Add any other required addresses and keys }; ``` ### 3. Set Up Environment Variables Ensure your **`.env`** file contains all necessary variables, as shown in the [Prerequisites](/hub/developer/bonzo-lend/liquidation-bots-beta/environment-setup) section. # Performing a Liquidation Now, we'll execute the script to perform the liquidation. ### 1. Identify Liquidatable Accounts The script contains a list of accounts that are eligible for liquidation. You can get these accounts through this API on the testnet: * [Liquidatable Accounts API](https://bonzo-data-api-testnet-a3d6b2946b71.herokuapp.com/liquidatable) {% hint style="info" %} The "Liquidatable Accounts API" for the Hedera mainnet will be made available soon. {% endhint %} ### 2. Configure the Liquidation Parameters In the script, the `liquidate` function is set up to liquidate a specific user. Update the parameters accordingly. ```typescript async function liquidate() { const user = liquidatables[2]; // Index of the user in the list const collateralReserve = "0xCollateralAssetAddress"; // Collateral asset address const debtReserve = "0xDebtAssetAddress"; // Debt asset address const borrowed = ethers.utils.parseUnits("100", 18); // Amount to cover // ... rest of the code } ``` * **`user`**: The address of the user to liquidate. * **`collateralReserve`**: The address of the collateral asset. * **`debtReserve`**: The address of the debt asset. * **`borrowed`**: The amount of debt to cover (in wei). Replace the placeholders with the actual values based on the user's positions. ### 3. Execute the Script Run the script using Hardhat: ```bash npx hardhat run scripts/liquidationFlashLoan/liquidate.ts --network hedera_testnet ``` ### 4. Monitor the Output The script will output the progress of the liquidation: ```yaml User: 0x78c3edaf3ae5dc69e688d7f41f85c4745ccd552c Caller address: 0xYourWalletAddress Collateral Reserve: 0xCollateralAssetAddress Debt Reserve: 0xDebtAssetAddress Borrowed: 100 Flash loan successful ``` If the liquidation is successful, you'll see a confirmation message. If there are errors, the script will output the error details. # Bonzo Vaults # Vaults Contracts {% tabs %} {% tab title="Bonzo Vaults Core" %} ### Bonzo Vaults Core Protocol Contracts
Dual Asset DEX & Leveraged LST Core Contracts ### **Deployment Addresses**
Contract NameEVM Address
Deployer0x512c307b0c2e5ad652195c6fae14fe3fc1a24933
Keeper0xaba50e992ab2df8f197aac4d3ec284f55b43af9c
Strategist0x12ab96bebf0bc4fe1a8f62049c7d840ac949cab6
Bonzo Fee Recipient0x00000000000000000000000000000000005dbdc1
Upgrader0x512c307b0c2e5ad652195c6fae14fe3fc1a24933
Harvester0xaba50e992ab2df8f197aac4d3ec284f55b43af9c
MoveTicks0xaba50e992ab2df8f197aac4d3ec284f55b43af9c
### Chainlink Oracles
Contract NameEVM Address

BeefyOracleChainlink

(Deployed To)

0x118ac3CD5362eF452293304b1A660A9D78Bdfe88
BeefyOracle
(Owner)		0x5DfBB5EF52Cf1932Eeb8324DA4E8D287e06FE915
Single Asset DEX Core Contracts ### **Deployment Addresses**
Contract NameEVM Contract
ICHIVaultFactory0x822b0bE4958ab5b4A48DA3c5f68Fc54846093618
ICHIVaultDeployer lib0x4fA116f8864eE7d7cee1F5Fbb58d41b70d75A529
UV3Math lib0x51aD1f2A691F0de1a28942C6d2870bBA05D1c8f7
Deposit Guard0x84e653E209525f70dC1410a304dFF98fE47CfD4a
VaultSlippageCheckV20xce878019645439E64B0e375fE73DDD3d532CC819
Gnosis0xC159b19C5bd0E4a0709eC13C1303Ff2Bb67F7145
Pool Factory0x00000000000000000000000000000000003c3951
VolatilityCheck0x1596BF18141b2Cd07BF6F7875975222C5B092064
{% endtab %} {% tab title="Single Asset DEX" %} ### **Single Asset DEX Vaults**
Vault NameStrategy EVM AddressVault EVM (LP Token Address)
JAM
(Paired with HBAR)		0x7AbF45908d733a60799d1B4B04E373366770EEcC0x26C770f89d320Da2c2341cbf410F132f44eF70CD
HBAR
(Paired with JAM)		0x1787Cd1DFAd83e85c2D4713F7032521592FA807B0x55958da8d5aC662aa8eD45111f170C3D8e4fCB3b
PACK
(Paired with HBAR)		0x3cE3A64669d1E3ab4789235Fc3e019234C4be9B70xACd982eE8b869f11aa928c4760cC3C0D4f30a6d3
HBAR
(Paired with PACK)		0xC260c60b3e974F54A73c0a6F540ee5eC979fDc000xd1893FcFB1dbEbCCAa6813993074fEfb1569FA5F
BONZO
(Paired with HBAR)		0xC2343277CAE1090052c770dEf66Cb5911fAF4f050x5D1e9BCAe2c171c0C8aF697Bdd02908f280716bc
USDC
(Paired with HBAR)		0x5dAE71d8a6F980f88F6586dF1A528E53456b8C970x1b90B8f8ab3059cf40924338D5292FfbAEd79089
HBAR
(Paired with USDC)		0xB8021f6a7BE89DFd0F66B89CE4cae76De33A90A20xebaFaBBD6610304d7ae89351C5C37b8cf40c76eB
DOVU
(Paired with HBAR)		0xA1ffF8A98edb1c314cf6a64b47b842A2954304a10x072bC950618A4e286683886eBc01C73090BC1C8a
HBAR
(Paired with DOVU)		0xDAd5F1F4094451Ffd8DDD65dD48A99e7E277FbC90xEf55ABc71271dceaE4880b9000402a4b3F87D1eA
SAUCE
(Paired with HBAR)		0x5241E22Feb810C50F32Bf16a0edD4105E47Be1650x8e253F359Ba5DDD62644b1e5DAbD3D7748fb8193
HBAR
(Paired with SAUCE)		0x9271898ceF0d44d1704245C2232D56C05150cdAf0xc883F70804380c1a49E23A6d1DCF8e784D093a3f
HBAR
(Paired with BONZO)		0x4e1bc1184Df76e897BA5eaD761f75B01F61977260xd406F0C0211836dbcA3EbF3b84487137be400E57
USDC
(Paired with wETH)		0xb9A69E0261f67Da41FccBEF8511b99E2D82558060x0Db93Cfe4BA0b2A7C10C83FBEe81Fd2EFB871864
wETH
(Paired with USDC)		0x0084260A5f7BF324b2325487D3EF080f298057b90x31403d085C601F49b9644a4c9a493403FA14ABfe
HBAR
(Paired with wBTC)		0x0084260A5f7BF324b2325487D3EF080f298057b100x31403d085C601F49b9644a4c9a493403FA14ABfe
wBTC
(Paired with HBAR)		0x0084260A5f7BF324b2325487D3EF080f298057b110x31403d085C601F49b9644a4c9a493403FA14ABfe
HBAR
(Paired with wETH)		0x0084260A5f7BF324b2325487D3EF080f298057b120x31403d085C601F49b9644a4c9a493403FA14ABfe
wETH
(Paired with HBAR)		0x0084260A5f7BF324b2325487D3EF080f298057b130x31403d085C601F49b9644a4c9a493403FA14ABfe
USDC
(Paired with wBTC)		0x0084260A5f7BF324b2325487D3EF080f298057b140x31403d085C601F49b9644a4c9a493403FA14ABfe
wBTC
(Paired with USDC)		0x0084260A5f7BF324b2325487D3EF080f298057b150x31403d085C601F49b9644a4c9a493403FA14ABfe
{% endtab %} {% tab title="Dual Asset DEX" %} ### **Dual Asset DEX Vaults**
USDC-HBAR
Contract NameEVM Address
strategyProxy0x157EB9ba35d70560D44394206D4a03885C33c6d5
vault
(LP Token Address)		0x724F19f52A3E0e9D2881587C997db93f9613B2C7
pool0xc5b707348da504e9be1bd4e21525459830e7b11d
token00x000000000000000000000000000000000006f89a
token10x0000000000000000000000000000000000163b5a
rewardTokens
(LARI Rewards)		0x0000000000000000000000000000000000163b5a
0x00000000000000000000000000000000000b2ad5
0x0000000000000000000000000000000000492a28
USDC-SAUCE
Contract NameEVM Address
strategyProxy0xDC74aC010A60357A89008d5eBDBaF144Cf5BD8C6
vault
(LP Token Address)		0x0171baa37fC9f56c98bD56FEB32bC28342944C6e
pool0x36acdfe1cbf9098bdb7a3c62b8eaa1016c111e31
token00x000000000000000000000000000000000006f89a
token10x00000000000000000000000000000000000b2ad5
rewardTokens
(LARI Rewards)		0x0000000000000000000000000000000000163b5a
0x00000000000000000000000000000000000b2ad5
0x0000000000000000000000000000000000492a28
BONZO-XBONZO
Contract NameEVM Address
strategyProxy0x3Dab58797e057878d3cD8f78F28C6967104FcD0c
vault
(LP Token Address)		0xcfba07324bd207C3ED41416a9a36f8184F9a2134
pool0xf6cc94f16bc141115fcb9b587297aecfa14f4eb6
token00x00000000000000000000000000000000007e545e
token10x0000000000000000000000000000000000818e2d
rewardTokens
(LARI Rewards)		0x0000000000000000000000000000000000163b5a
0x00000000000000000000000000000000000b2ad5
0x0000000000000000000000000000000000492a28
SAUCE-XSAUCE
Contract NameEVM Address
strategyProxy0xE9Ab1D3C3d086A8efA0f153f107B096BEaBDee6f
vault
(LP Token Address)		0x8AEE31dFF6264074a1a3929432070E1605F6b783
pool0xcfeffaae43f176f91602d75ec1d0637e273c973b
token00x00000000000000000000000000000000000b2ad5
token10x00000000000000000000000000000000001647e8
rewardTokens
(LARI Rewards)		0x0000000000000000000000000000000000163b5a
0x00000000000000000000000000000000000b2ad5
0x0000000000000000000000000000000000492a28
{% endtab %} {% tab title="Leveraged LST" %} ### **Leveraged Liquid Staking Token (LST) Vaults**
HBARX
Contract NameEVM Address
strategyProxy0xE7f31dD688Ce850e44902b2c55D703BC2d91a84e
vault (LP Token Address)0x10288A0F368c82922a421EEb4360537b93af3780
{% endtab %} {% endtabs %} # Vaults Data API ## Vaults Data API Welcome to the **Bonzo Vaults Data API**. The Vaults API exposes real-time and historical data for the **Bonzo Yield Vaults** product — a family of automated yield strategies that deploy user deposits into liquidity pools, lending markets, and other on-chain venues on the Hedera network. It is intended for third parties building dashboards, portfolio trackers, analytics platforms, bots, and any other tooling that needs programmatic access to vault state, performance, and user positions. Bonzo Vaults ships in two flavors, each with its own data service: * **Dual-Asset DEX Vaults** — concentrated-liquidity vaults that hold a pair of assets and auto-compound trading fees and incentive rewards. These are powered by Beefy-style strategy contracts and serve liquidity to venues like SaucerSwap. * **Single-Asset DEX Vaults** — ICHI vaults that accept a single deposit token and internally manage a paired position. Users only ever deposit and withdraw the deposit token; the vault handles the rest. Both services share the same overall shape — the same routing conventions, the same query patterns, and the same general response objects — but they expose data unique to each strategy class. This page documents both as a single, unified surface so an integrator can read across them with minimal friction. #### Key Features * **Real-Time Vault Data** — TVL, APY/APR breakdowns, share prices, fees, and harvest history, refreshed continuously. * **User Position Tracking** — per-vault and aggregate position views, including yield, P\&L, and historical snapshots. * **Historical Charts** — APY, TVL, share price, portfolio performance, and harvest-fee timeseries for any timeframe. * **Platform Analytics** — protocol-wide TVL, fees, revenue, and snapshot summaries. * **Public Endpoints** — no authentication required for any of the read endpoints documented below. * **Hedera-native Identifiers** — every contract is exposed with both its EVM-style address (`0x…`) and its Hedera entity ID (`0.0.…`) for compatibility with HashScan, the Hedera mirror node, and EVM tools. *** ### Base URLs The two vault types are served from two separate base URLs. Pick the one that matches the vault you are working with: | Vault type | Base URL | | --------------------------------------- | -------------------------------------------- | | **Dual-Asset DEX Vaults** (Beefy-style) | `https://mainnet-vaults.bonzo.finance` | | **Single-Asset DEX Vaults** (ICHI) | `https://mainnet-single-asset.bonzo.finance` | All endpoints below are prefixed with `/v1/api/…`. The health endpoint lives at `/v1/health` and a service-info endpoint is exposed at `/`. {% hint style="info" %} A vault's `id` is unique within its own service. A dual-asset vault ID will not resolve against the single-asset service and vice versa. Treat the two services as independent data sources keyed by `(baseUrl, vaultId)`. {% endhint %} *** ### Common Concepts The same handful of objects show up across nearly every endpoint. Read this section once and the rest of the page becomes a thin reference. #### Networks and identifiers Both APIs run against Hedera mainnet (`chainType: "hedera_mainnet"`, `network: "Hedera"`). Each contract appears with two identifiers: * `contractAddress` — EVM 20-byte address, e.g. `0xcfba07324bd207C3ED41416a9a36f8184F9a2134`. * `contractId` — Hedera native entity ID, e.g. `0.0.10164550`. Use whichever one matches your tooling. Tokens follow the same convention via `address` and `contractId` fields on each asset object. #### Asset and pair-token objects Every vault carries an array of underlying assets. The shape is consistent across both services: ```typescript interface Asset { symbol: string; // e.g. "USDC", "HBAR", "SAUCE" address: string; // EVM 0x… address contractId: string; // Hedera 0.0.X ID decimals: number; price?: string; // USD price at the time of the snapshot } ``` Single-asset vaults additionally surface a `pairToken` — the secondary token the vault rebalances against — using the same shape. #### TVL, APY, and APR | Field | Meaning | | ----------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------ | | `tvl` / `TVL` | Total Value Locked in the vault, USD. Returned as a string for precision and (on the single-asset API) also as a number under `TVL`. | | `apy` | Net annualized yield, expressed as a decimal — e.g. `0.157` is 15.7%. **Note:** the single-asset API returns APY as a percent number (e.g. `16.379…`). | | `apy30d` | 30-day rolling APY (single-asset API). | | `daily` | 1-day yield estimate (decimal on dual-asset, percent number on single-asset). | | `harvestApy7d`, `harvestApy30d` | Realized APY measured from the vault's own harvest history over the trailing window (dual-asset only). | | `vaultApr`, `vaultApy`, `tradingApr`, `rewardApr`, `clmApy` | Component APRs that roll into `apy`. Useful when displaying a breakdown. | | `apySource` | Which input drove the headline APY: `"harvest"`, `"price"`, `"manual"`, etc. | | `confidence` | Confidence scoring object on dual-asset vaults: `{ score, level: "low" \| "medium" \| "high", reasons: string[] }`. | #### Share price and user position math Vault deposits are tokenized as **shares**. A user's underlying balance is `shares × sharePrice`, and yield is the change in that quantity since their entries. * `sharePrice` is returned in raw on-chain precision; `sharePriceUsd` is the USD-normalized version. * `userPosition.deposited` / `depositedUSD` capture cost basis. * `userPosition.currentValue` and `currentValueInUSD` capture the present mark-to-market value. * `userPosition.yield` is realized + unrealized yield since deposit. * `userPosition.pnl = { amount, percentage }` is convenience math: `currentValue − deposited`. #### Harvests A **harvest** is the periodic on-chain operation that compounds collected fees and incentive rewards back into the vault. Harvest events are the primary fuel for realized APY measurements and for fee-attribution endpoints. Both APIs expose a `lastHarvest` timestamp on each vault, and both expose harvest-fee timeseries per user under `/charts/users/:address/harvest-fees`. *** ### Service Info & Health Both services expose a service banner at the root and a liveness probe at `/v1/health`. **`GET /`** Returns the service identity and a directory of mounted route prefixes. ```bash curl https://mainnet-vaults.bonzo.finance/ curl https://mainnet-single-asset.bonzo.finance/ ``` ```json { "name": "Bonzo Vaults API", "version": "1.0.0", "description": "TypeScript API for Bonzo Yield Vaults on Hedera", "chainType": "hedera_mainnet", "endpoints": { "health": "/v1/health", "vaults": "/v1/api/vaults", "charts": "/v1/api/charts", "admin": "/v1/api/admin", "users": "/v1/api/users" }, "documentation": "https://docs.bonzo.finance/api" } ``` **`GET /v1/health`** Liveness check. Returns `200 OK` with current uptime and version when the service is healthy. ```json { "status": "ok", "timestamp": "2026-04-30T04:31:50.527Z", "uptime": 21827.68, "version": "1.0.0", "chainType": "hedera_mainnet" } ``` *** ### Dual-Asset DEX Vaults Base URL: `https://mainnet-vaults.bonzo.finance` Dual-asset vaults hold a pair of assets — typically a SaucerSwap concentrated-liquidity LP — and auto-rebalance the position while compounding trading fees and emissions. Each vault has both a vault contract and a separate strategy contract. #### List Vaults **`GET /v1/api/vaults`** Returns the full set of dual-asset vaults along with summary metrics. **Query Parameters** | Parameter | Type | Description | | ------------------ | ------------------------ | ---------------------------------------------------------------------------------- | | `protocol` | string | Filter by protocol (e.g. `SaucerSwap`). | | `strategy` | string | Filter by strategy name. | | `vaultType` | string | Filter by vault type — `single`, `concentratedLiquidity`. | | `minTvl` | number | Minimum TVL filter, USD. | | `minApy` | number | Minimum APY filter (decimal, e.g. `0.05` = 5%). | | `sortBy` | `tvl` \| `apy` \| `name` | Sort field. | | `sortOrder` | `asc` \| `desc` | Sort direction. | | `limit` | number | Page size. | | `offset` | number | Page offset. | | `afterTransaction` | boolean | When `true`, bypasses the cache. Use after a deposit/withdraw to pull fresh state. | **Response** ```typescript interface VaultListResponse { totalValueLocked: string; vaultCount: number; averageApy: string; totalYield: string; totalPnl: string; vaults: VaultSummary[]; } ``` Each `VaultSummary` includes (abbreviated): ```typescript { id: string; name: string; // e.g. "SAUCE-XSAUCE" protocols: string[]; // e.g. ["SaucerSwap"] strategyType: string; // e.g. "concentratedLiquidity" network: "Hedera"; assets: Asset[]; // pair tokens (length 2 for CLM) poolAddress: string; // Hedera ID poolEvmAddress: string; // 0x… apy: string; // decimal (0.157 = 15.7%) totalApy: string; vaultApr: string; vaultApy: string; tradingApr: string; rewardApr: string; clmApy: string; saucerswapFeesApr: string; saucerswapLariApr: string; saucerswapManualAprTotal: string; harvestApy7d: string; harvestApy30d: string; apySource: "harvest" | "price" | "manual" | string; confidence: { score: number; level: "low" | "medium" | "high"; reasons: string[] }; apyBreakdown: { /* harvest windows, realized vs estimated, fee/lari details */ }; priceRange: { /* current tick + main/alt range bounds for CLM */ }; tvl: string; tokenPrice: number; tokenPrice0?: number; tokenPrice1?: number; sharePrice: string; sharePriceUsd: string; apyChange24hrs: number; tvlChange24hrs: number; safetyScore: number; // 1–5 lastHarvest: string; // ISO timestamp vaultType: "concentratedLiquidity" | "single"; contractAddress: string; contractId: string; strategyAddress: string; strategyContractId: string; fees: { deposit: number; withdrawal: number; performance: number }; description: string; tabs: { overview: string; strategy: string; details: string; risks: object[] }; userPosition: { /* zeroed when no `account` is supplied */ }; } ``` ```bash curl 'https://mainnet-vaults.bonzo.finance/v1/api/vaults?sortBy=tvl&sortOrder=desc&limit=10' ``` #### Get Vault by ID **`GET /v1/api/vaults/:id`** Returns the full detail object for a single vault. Same shape as a `VaultSummary` plus richer breakdowns. **Path Parameters** | Parameter | Type | Description | | --------- | ------ | ------------------------------------------------------ | | `id` | string | Vault ID (the `id` field returned from `GET /vaults`). | **Query Parameters** | Parameter | Type | Description | | ------------------ | ------- | ------------- | | `afterTransaction` | boolean | Bypass cache. | ```bash curl 'https://mainnet-vaults.bonzo.finance/v1/api/vaults/68d4d6bdcf25aba1bd699033' ``` #### List a User's Positions **`GET /v1/api/vaults/user-positions?account=0x…`** Lightweight, fast endpoint that returns every dual-asset vault and the caller's position in each. Designed for "My Vaults" dashboards. Yield/PnL math is **omitted** in this response for performance — call the per-vault detail endpoint below to get those. **Query Parameters** | Parameter | Type | Required | Description | | ----------------------------------------------- | ----------------------------------------- | -------- | ------------------------------------ | | `account` | string | yes | EVM address of the user. | | `protocol`, `strategy`, `vaultType`, `minValue` | filters | no | Same semantics as the list endpoint. | | `sortBy` | `deposited` \| `currentValue` \| `shares` | no | Sort field. | | `sortOrder` | `asc` \| `desc` | no | Sort direction. | | `limit`, `offset` | number | no | Pagination. | | `afterTransaction` | boolean | no | Bypass cache. | **Response** ```typescript { summary: { positionCount: number; userDeposits: string; averageApy: string }; positions: Array<{ vaultId: string; vaultName: string; deposited: string; depositedUSD: string; currentValue: string; currentValueInUSD: string; token0Balance: string; token0BalanceUsd: string; token1Balance: string; token1BalanceUsd: string; shares: string; apy: string; }>; } ``` ```bash curl 'https://mainnet-vaults.bonzo.finance/v1/api/vaults/user-positions?account=0xYourAddress' ``` #### Get a User's Position in a Specific Vault **`GET /v1/api/vaults/user-positions/:id?account=0x…`** Returns the full position record — including yield breakdown and P\&L — for a single vault. ```typescript interface UserPositionDetailResponse { account: string; vaultId: string; vaultName: string; depositedAsset0: string; depositedAsset1: string; depositedAsset0Usd: string; depositedAsset1Usd: string; depositedUSD: string; currentValue: string; currentValueInUSD: string; shares: string; yield: string; yieldData: { yieldAmt: string; yieldAmtUSD: string; yieldPercentage: string }; pnl: { amount: string; percentage: string }; lastUpdated: string; } ``` ```bash curl 'https://mainnet-vaults.bonzo.finance/v1/api/vaults/user-positions/68d4d6bdcf25aba1bd699033?account=0xYourAddress' ``` #### Charts & Analytics All chart endpoints share a `timeframe` query parameter that accepts `1D`, `1W`, `1M`, `3M`, `1Y`, `ALL`, or `EVERY` (full snapshot history at native resolution). Defaults vary per endpoint. **`GET /v1/api/charts/vaults/:id/historical-rate`** APY/TVL timeseries for a vault, broken down by harvest-window and SaucerSwap fee/LARI APR sources. ```typescript { data: Array<{ timestamp: string; apy: number; tvl: number; label: string; harvestApy7d?: number; harvestApy30d?: number; saucerswapLariApr?: number; saucerswapFeesApr?: number; saucerswapManualAprTotal?: number; }>; timeframe: string; } ``` ```bash curl 'https://mainnet-vaults.bonzo.finance/v1/api/charts/vaults/:id/historical-rate?timeframe=1M' ``` **`GET /v1/api/charts/vaults/:id/metrics-history`** Vault-level metrics history — TVL, APY, share price (and per-token share price), total assets, daily yield, and unique user count. ```typescript { data: Array<{ timestamp: string; tvl: number; apy: number; dailyYield: number; sharePrice: string; sharePriceToken0?: string; sharePriceToken1?: string; sharePriceUsd?: string; totalShares: string; totalAsset0?: number; totalAsset1?: number; userCount: number; }>; summary: { currentTvl: number; currentApy: number; totalUsers: number; avgDailyYield: number }; } ``` **`GET /v1/api/charts/vaults/:id/portfolio-performance?account=0x…`** User-specific P\&L chart for a single vault. ```typescript { data: Array<{ timestamp: string; atDeposit: number; currentValue: number; yield: number; totalValue: number }>; summary: { totalDeposited: string; currentValue: string; totalYield: string; totalPnl: string; pnlPercentage: string }; } ``` **`GET /v1/api/charts/vaults/:id/risk?days=30`** Volatility, max drawdown, Sharpe ratio, and 95% VaR computed over the last `days` (1–365, default 30). ```typescript { vaultId: string; period: string; metrics: { volatility: string; maxDrawdown: string; sharpeRatio: string; valueAtRisk95: string }; calculatedAt: string; } ``` **`GET /v1/api/charts/users/:address/positions`** Snapshot history of all of a user's positions across vaults. Optionally filter to a single `vaultId`. ```typescript { data: Array<{ timestamp: string; asset0TotalDepositedUsd: number; asset1TotalDepositedUsd: number; assetTotalDepositedUsd: number; depositedUsd: number; yieldInUSD: number; token0Balance: number; token1Balance: number; token0BalanceUsd: number; token1BalanceUsd: number; totalBalanceInUSD: number; shares: string; sharePrice: string; }>; timeframe: string; } ``` **`GET /v1/api/charts/users/:address/:vaultId/position-history`** Same shape as above, scoped to a single vault, with both raw and USD-denominated token balances. **`GET /v1/api/charts/users/:address/harvest-fees`** Harvest-fee attribution timeseries for a user. Optionally scoped by `vaultId`, `timeframe`, or an explicit `startDate`/`endDate` (ISO 8601). Returns per-harvest fee splits across both pair tokens plus running cumulative totals. ```typescript { userAddress: string; vaultId: string; // or "all" totalFeesCollectedUsd: number; totalFeesInPeriod: number; cumulativeTotals: { token0?: { symbol: string; amount: number; amountUsd: number }; token1?: { symbol: string; amount: number; amountUsd: number }; totalUsd: number; }; breakdown: { token0?: { symbol; amountInPeriod }; token1?: { symbol; amountInPeriod } }; data: Array<{ timestamp: string; harvestTxHash: string; sharePercentage: number; feesCollected: { token0?: { symbol; amount; amountUsd; tokenPrice }; token1?: { symbol; amount; amountUsd; tokenPrice }; totalUsd: number; }; cumulativeFeesUsd: number; /* + cumulative token amounts */ vaultId: string; }>; totalHarvests: number; filters: { timeframe?: string; startDate?: string; endDate?: string }; } ``` **`GET /v1/api/charts/users/:address/harvest-fees/summary`** Aggregate-only version of the above — total fees collected, harvest count, average fee per harvest, first/last harvest. Useful for "lifetime earnings" tiles. **`GET /v1/api/charts/vaults/:id/harvest-fees/users`** Leaderboard endpoint — every user's cumulative harvest fees in a given vault, ordered descending. Supports `startDate`, `endDate`, and `limit` (1–1000, default 100). **`GET /v1/api/charts/analytics/overview`** Snapshot of the platform: TVL, vault count, average APY, total users, total yield generated. ```json { "totalValueLocked": "99673.65…", "vaultCount": 4, "averageApy": "6.7775", "totalUsers": 300, "totalYieldGenerated": "$3.38K" } ``` **`GET /v1/api/charts/analytics/platform-stats/latest`** Most recent daily snapshot of platform-wide totals and revenue split. ```typescript { chainType: "hedera_mainnet"; date: string; // YYYY-MM-DDT00:00:00Z bucket capturedAt: string; totals: { feesUsd: number; revenueUsd: number; withdrawalsUsd: number; vaultsTvlUsd: number; totalVaultsCount: number }; daily: { feesUsd: number; revenueUsd: number }; revenueBreakdown: { feeSharePortionUsd: number; withdrawalSharePortionUsd: number }; } ``` **`GET /v1/api/charts/analytics/platform-stats/history?timeframe=3M`** Historical timeseries of the same shape, one record per day, for charting protocol-level metrics. **`GET /v1/api/charts/prices?tokens=HBAR,USDC,SAUCE`** Spot prices for any comma-separated list of token symbols, returned with their oracle source and capture timestamp. ```json { "prices": { "HBAR": { "usd": 0.08822, "source": "coingecko", "timestamp": "2026-04-30T04:31:47.808Z" }, "USDC": { "usd": 0.999666, "source": "coingecko", "timestamp": "2026-04-30T04:31:47.724Z" }, "SAUCE": { "usd": 0.0204217, "source": "coingecko", "timestamp": "2026-04-30T04:31:47.704Z" } }, "updatedAt": "2026-04-30T04:32:06.812Z" } ``` #### User Action History **`GET /v1/api/users/actions?address=0x…`** On-chain action history for a user — deposits, withdrawals, and harvests — joined to vault metadata. **Query Parameters** | Parameter | Type | Required | Description | | ----------- | ---------------------------------------- | -------- | ------------------------- | | `address` | string | yes | User EVM address. | | `vaultId` | string | no | Filter to a single vault. | | `sortBy` | `timestamp` \| `action` \| `blockNumber` | no | Default `timestamp`. | | `sortOrder` | `asc` \| `desc` | no | Default `desc`. | | `limit` | number | no | 1–100, default 50. | | `offset` | number | no | Default 0. | ```typescript { data: Array<{ id: string; vaultId: string; vault: { id; name; protocols; strategy; strategyType; vaultType; asset?; assets? }; chainType: "hedera_mainnet"; userAddress: string; action: "deposit" | "withdraw" | "harvest" | string; mode: string; assetAmount: string; assetDepositedUsd: string; asset0Amount: string; asset1Amount: string; totalDepositedUsd: string; sharesAmount: string; sharePrice: string; txHash: string; blockNumber: number; timestamp: string; createdAt: string; }>; pagination: { total: number; limit: number; offset: number; hasMore: boolean }; } ``` *** ### Single-Asset DEX Vaults Base URL: `https://mainnet-single-asset.bonzo.finance` Single-asset vaults are ICHI vaults on Hedera. The user deposits a single token (e.g. HBAR or USDC) and the vault internally manages a paired position. The deposited token is referred to as `asset[0]` and the secondary token as `pairToken` / `asset[1]`. Many fields below mirror the dual-asset surface; the differences are noted inline. {% hint style="info" %} On the single-asset API, `apy`, `apy30d`, and `daily` are returned as **percent numbers** (e.g. `16.379` means 16.379%), not decimals. Convert accordingly on the consumer side. {% endhint %} #### List Vaults **`GET /v1/api/vaults`** Returns the set of single-asset (ICHI) vaults along with summary metrics. **Query Parameters** | Parameter | Type | Description | | ------------------ | --------------------------------------------- | --------------------------------------- | | `protocol` | string | Filter by protocol (e.g. `SaucerSwap`). | | `vaultType` | `single` \| `concentratedLiquidity` \| `ICHI` | Vault type filter. | | `minTvl`, `minApy` | number | Threshold filters. | | `sortBy` | `tvl` \| `apy` \| `name` | Sort field. | | `sortOrder` | `asc` \| `desc` | Sort direction. | | `limit`, `offset` | number | Pagination (default `limit=50`). | | `afterTransaction` | boolean | Bypass cache. | **Response** ```typescript interface VaultListResponse { summary: { totalValueLocked: string; vaultCount: number; averageApy: string; userDeposits: string; }; vaults: VaultSummary[]; } ``` Each `VaultSummary` includes: ```typescript { id: string; name: string; // e.g. "USDC", "HBAR" protocols: string[]; // e.g. ["SaucerSwap"] network: "Hedera"; isERC20: boolean; isPairTokenERC20: boolean; contractAddress: string; contractId: string; poolAddress: string; poolEvmAddress: string; vaultDeployer: string; vaultDeployerContractId: string; vaultFactory: string; depositGuard: string; depositGuardContractId: string; volatilityCheck: string; pairToken: { symbol; address; decimals; contractId }; assets: Array<{ symbol; address; decimals; contractId }>; apy: number; // percent, e.g. 16.379 apy30d: number; // percent daily: number; // percent tvl: string; // USD TVL: number; // USD (numeric duplicate) totalAsset0: string; totalAsset1: string; totalAsset0InUSD: string; totalAsset1InUSD: string; safetyScore: number; vaultType: "ICHI" | "single" | "concentratedLiquidity"; chainType: "hedera_mainnet"; description: string; isHidden: boolean; fees: { deposit: number; withdrawal: number; performance: number }; tabs: { overview: string; risks: object[]; details?: object }; apyChange24hrs: number; tvlChange24hrs: number; lastHarvest?: string; } ``` ```bash curl 'https://mainnet-single-asset.bonzo.finance/v1/api/vaults?sortBy=tvl&sortOrder=desc' ``` #### Get Vault by ID **`GET /v1/api/vaults/:id`** Returns the full detail object for a single ICHI vault. Same shape as a list `VaultSummary` plus an optional `userPosition` block when `account` is supplied. **Query Parameters** | Parameter | Type | Description | | ------------------ | ------- | ------------------------------------------------------------------------------- | | `account` | string | EVM address — when supplied, the response includes the caller's `userPosition`. | | `afterTransaction` | boolean | Bypass cache. | ```typescript // Embedded when account is supplied userPosition: { token0Balance: string; token1Balance: string; token0BalanceUsd: string; token1BalanceUsd: string; depositedUsd: string; totalBalanceInUSD: string; totalBalanceInDepositToken?: string; depositTokenSymbol?: string; formattedToken0BalanceInUSD: string; formattedToken1BalanceInUSD: string; formattedTotalBalanceInUSD: string; shares: string; yieldData?: { yieldAmt: string; yieldAmtUSD: string; yieldPercentage: string; yieldAmtInDepositToken?: string; breakdown?: { token0: { symbol; quantity; quantityUsd }; token1: { symbol; quantity; quantityUsd }; }; }; pnl?: { amount: string; percentage: string }; } ``` ```bash curl 'https://mainnet-single-asset.bonzo.finance/v1/api/vaults/68d7e3156f4ac0445d628941?account=0xYourAddress' ``` #### List a User's Positions **`GET /v1/api/vaults/user-positions?account=0x…`** Returns every single-asset vault position held by a user, with summary totals. ```typescript { summary: { positionCount: number; userDeposits: string; averageApy: string }; positions: Array; } ``` `UserPositionSummary` includes all the same fields as the embedded `userPosition` object on the vault detail response, plus `vaultId`, `vaultName`, `apy`, and `depositedUsd`. #### Get a User's Position in a Specific Vault **`GET /v1/api/vaults/user-positions/:id?account=0x…`** **`GET /v1/api/vaults/:id/users/:address`** Two equivalent paths for the same data — pick whichever fits your routing style. Returns a single `UserPositionSummary` or `404` if the user has no position in the vault. ```bash curl 'https://mainnet-single-asset.bonzo.finance/v1/api/vaults/user-positions/68d7e3156f4ac0445d628941?account=0xYourAddress' ``` #### Charts & Analytics **`GET /v1/api/charts/vault-tvl-apy/:id?timeframe=1M`** TVL and APY timeseries for a single vault. Returns `apy` as a percent number (matching the vault detail convention). ```typescript { data: Array<{ timestamp: string; apy: number; tvl: number; label: string }>; timeframe: string; } ``` **`GET /v1/api/charts/tvl?timeframe=1M`** **`GET /v1/api/charts/apy?timeframe=1M`** Platform-wide TVL and APY timeseries respectively. ```typescript { data: Array<{ timestamp: string; value: number; label?: string }>; timeframe: string; } ``` **`GET /v1/api/charts/portfolio/:address?timeframe=1M`** User portfolio P\&L chart — same shape as the dual-asset portfolio-performance endpoint: ```typescript { data: Array<{ timestamp: string; atDeposit: number; currentValue: number; yield: number; totalValue: number }>; summary: { totalDeposited: string; currentValue: string; totalYield: string; totalPnl: string; pnlPercentage: string }; } ``` **`GET /v1/api/charts/user/:address/positions?timeframe=1M&vaultId=…`** Per-user, per-vault position snapshots over time. `vaultId` filters to a single vault. ```typescript { data: Array<{ timestamp: string; vaultId: string; vaultName: string; shares: string; token0Balance: string; token1Balance: string; token0BalanceUsd: string; token1BalanceUsd: string; totalBalanceInUSD: string; formattedToken0BalanceInUSD?: string; formattedToken1BalanceInUSD?: string; formattedTotalBalanceInUSD?: string; yield?: string; pnl?: { amount: string; percentage: string }; apy?: string; sharePrice: number; tvl: number; vaultType: "single" | "concentratedLiquidity" | "ICHI"; tokenPrice?: number; tokenPrice0?: number; tokenPrice1?: number; }>; summary: { totalYield?: string; totalPnl?: number; totalPnlPercentage?: number }; } ``` **`GET /v1/api/charts/vault-performance/:id`** 30-day "Hold vs Vault" comparison series for a vault. Returns five strategy lines: hold deposit token, hold 50/50, Uniswap-style V2 LP, vault, vault with fees. Useful for "is my vault actually beating the alternative?" charts. **`GET /v1/api/charts/users/:address/harvest-fees`** Same fee-attribution shape as the dual-asset harvest-fees endpoint, plus an extra `depositTokenSymbol` and `totalFeesCollectedInDepositToken` field that re-prices total fees into the user's deposit token (helpful for single-asset UX). Supports `vaultId`, `timeframe`, `startDate`, `endDate`. **`GET /v1/api/charts/analytics/overview`** Platform-level summary. The single-asset service returns pre-formatted strings (e.g. `"$634.83K"`, `"6.39%"`): ```json { "totalValueLocked": "$634.83K", "vaultCount": 22, "averageApy": "6.39%", "totalUsers": 307, "totalYieldGenerated": "$4.05K" } ``` **`GET /v1/api/charts/analytics/global-stats`** Latest snapshot + cumulative totals for fees and revenue. ```typescript { latestSnapshot: { timestamp: string | null; totalValueLocked: number; totalFeesCollected: number; totalRevenue: number; vaultCount: number; }; cumulative: { totalFeesCollected: number; totalRevenue: number }; snapshotCount: number; } ``` **`GET /v1/api/charts/analytics/global-stats/series?timeframe=1D`** Time-series version of `global-stats` for charting protocol fees, revenue, and TVL. ```typescript { data: Array<{ timestamp: string; totalValueLocked: number; totalFeesCollected: number; totalRevenue: number }>; timeframe: string; } ``` **`GET /v1/api/charts/analytics/platform-stats/latest`** **`GET /v1/api/charts/analytics/platform-stats/history?timeframe=EVERY`** Identical shape to the dual-asset endpoints of the same name (see Dual-Asset Charts & Analytics), tracking per-day totals, revenue, fees, and withdrawals across all single-asset vaults. #### User Token Balances **`GET /v1/api/users/balances?address=0x…&tokenList=HBAR,USDC,0x…`** Returns the user's wallet balances and USD valuations for an arbitrary list of tokens. `tokenList` accepts either symbols or contract addresses, comma-separated. ```typescript { address: string; chainType: "hedera_mainnet"; tokens: Array<{ address: string; symbol: string; decimals: number; balance: string; price: string; priceSource: string; valueUSD: string; error?: string; // present only if a single token failed to resolve }>; totalValueUSD: string; } ``` ```bash curl 'https://mainnet-single-asset.bonzo.finance/v1/api/users/balances?address=0xYourAddress&tokenList=HBAR,USDC,SAUCE' ``` #### User Action History **`GET /v1/api/users/actions`** Same purpose as the dual-asset version — deposits and withdrawals — with a slightly richer per-action payload that captures both raw token amounts and the deposit-token normalization that ICHI vaults expose. **Query Parameters** | Parameter | Type | Required | Description | | --------------------- | ----------------------- | -------------------------------------- | ------------------------- | | `address` | string | one of `address`/`vaultId` is required | User EVM address. | | `vaultId` | string | one of `address`/`vaultId` is required | Filter to a vault. | | `action` | `deposit` \| `withdraw` | no | Action type. | | `limit` | number | no | 1–1000, default 100. | | `offset` | number | no | Default 0. | | `sortBy`, `sortOrder` | string | no | Default `timestamp` desc. | ```typescript { success: boolean; data: Array<{ vaultId: string; vault: { /* vault metadata snapshot */ } | null; chainType: "hedera_mainnet"; userAddress: string; action: "deposit" | "withdraw"; mode: string; assetAmount: string; assetDepositedUsd: string; asset0Amount: string; asset1Amount: string; asset0Deposited: string; asset1Deposited: string; asset0DepositedUsd: string; asset1DepositedUsd: string; totalDepositedUsd: string; asset0Address: string; asset1Address: string; sharesAmount: string; sharePrice: string; fee0: string; fee1: string; leftover0: string; leftover1: string; netDeposited: string; netDepositedUsd: string; txHash: string; blockNumber: number; timestamp: string; createdAt: string; }>; pagination: { total: number; limit: number; offset: number; hasMore: boolean }; filters: { address?; vaultId?; action?; chainType }; } ``` #### Pool Liquidity The single-asset service exposes the underlying SaucerSwap pool's liquidity directly — useful for estimating slippage or sizing deposits. **`GET /v1/api/pools/liquidity?tokenAContractId=0.0.X&tokenBContractId=0.0.Y`** Look up a pool by its token pair using Hedera contract IDs. **`GET /v1/api/pools/:poolId/liquidity`** Look up a pool by its pool contract ID directly. Both return: ```typescript { poolId: string; tokenA: { contractId: string; symbol: string; amount: string; decimals: number; priceUsd: number; liquidityUsd: number }; tokenB: { contractId: string; symbol: string; amount: string; decimals: number; priceUsd: number; liquidityUsd: number }; totalLiquidityUsd: number; timestamp: string; } ``` ```bash curl 'https://mainnet-single-asset.bonzo.finance/v1/api/pools/liquidity?tokenAContractId=0.0.456858&tokenBContractId=0.0.1456986' ``` *** ### Error Handling Every error response across both services follows the same envelope: ```json { "error": "Bad Request", "message": "address is required", "status": 400 } ``` Common HTTP statuses you should plan for: | Status | Meaning | | ------ | ------------------------------------------------------------------ | | `200` | Success. | | `400` | Bad Request — a required parameter is missing or fails validation. | | `401` | Unauthorized — only relevant to the (non-public) `/admin` routes. | | `404` | Not Found — vault or user position does not exist. | | `409` | Conflict — only emitted by admin endpoints. | | `429` | Rate Limit Exceeded. | | `500` | Internal Server Error — including upstream RPC/oracle failures. | {% hint style="warning" %} Both services currently return `500` (rather than `404`) when a vault `id` is not a valid Mongo ObjectId — e.g. requesting `/v1/api/vaults/foo` will surface an internal cast error. Treat any non-`200` response on a detail lookup as "not available" and re-derive the ID from the list endpoint. {% endhint %} *** ### Rate Limiting Each service applies a default IP-based rate limit of **100 requests per 15 minutes** to public routes. Exceeding the limit returns `429` with a standard `Retry-After`-style payload. There is no authentication tier today — well-behaved clients should: * Cache list responses (TTL ≈ 30s aligns with the server's own cache headers). * Batch users instead of polling per-user every render. * Use the `afterTransaction=true` flag only when you actually need fresh state after a write. *** ### Best Practices * **Use `user-positions` for "My Vaults" views.** It's an order of magnitude faster than calling vault detail per row, because it skips the full yield/PnL pass. * **Hit `user-positions/:id` only for the vault the user is interacting with.** That is where the full breakdown lives. * **Refresh state with `?afterTransaction=true` immediately after a deposit/withdraw**, and otherwise let the 30-second cache do its job. * **Convert APY units before displaying.** Dual-asset returns decimals (`0.157`); single-asset returns percents (`16.379`). Normalize at your ingestion layer. * **Use `chartType: "ICHI"` to detect single-asset vaults** in any context where a position can come from either service. * **Snapshot `confidence.level` alongside any APY you display.** A `low` confidence reading with `price_fallback` reasons should be visually distinguished from a `high` confidence harvest-derived APY. * **Always read both `contractAddress` and `contractId`.** The EVM address is for `eth_*` RPCs and EVM tools; the contract ID is for HashScan and the Hedera mirror node. * **Implement exponential backoff on 5xx and 429.** Both services are tolerant to bursts but will rate limit aggressive crawlers. *** ### Example: End-to-End Integration The following snippet pulls a unified "all of my vault positions" view across both services, sorts by current value, and prints a summary. ```javascript const DUAL = "https://mainnet-vaults.bonzo.finance/v1/api"; const ICHI = "https://mainnet-single-asset.bonzo.finance/v1/api"; async function getPortfolio(account) { const [dual, ichi] = await Promise.all([ fetch(`${DUAL}/vaults/user-positions?account=${account}`).then(r => r.json()), fetch(`${ICHI}/vaults/user-positions?account=${account}`).then(r => r.json()), ]); const positions = [ ...dual.positions.map(p => ({ ...p, source: "dual-asset", apy: Number(p.apy) * 100 })), ...ichi.positions.map(p => ({ ...p, source: "single-asset", apy: Number(p.apy) })), ] .filter(p => Number(p.totalBalanceInUSD ?? p.currentValueInUSD ?? 0) > 0) .sort((a, b) => Number(b.totalBalanceInUSD ?? b.currentValueInUSD) - Number(a.totalBalanceInUSD ?? a.currentValueInUSD)); const totalUsd = positions.reduce( (sum, p) => sum + Number(p.totalBalanceInUSD ?? p.currentValueInUSD ?? 0), 0, ); return { totalValueUsd: totalUsd, positionCount: positions.length, positions, }; } getPortfolio("0xYourAddress").then(console.log); ``` Drilling into a single position once the user clicks a row: ```javascript async function getPositionDetail(source, vaultId, account) { const base = source === "dual-asset" ? DUAL : ICHI; const [position, history] = await Promise.all([ fetch(`${base}/vaults/user-positions/${vaultId}?account=${account}`).then(r => r.json()), source === "dual-asset" ? fetch(`${base}/charts/vaults/${vaultId}/portfolio-performance?account=${account}&timeframe=1M`).then(r => r.json()) : fetch(`${base}/charts/portfolio/${account}?timeframe=1M`).then(r => r.json()), ]); return { position, history }; } ``` *** ### Support For questions, integration help, or to report a discrepancy in the data, drop into the **#developers** channel in the [Bonzo Discord](https://discord.gg/bonzofinance) or open an issue on the Bonzo docs repo. The Vaults team monitors both during normal business hours. # Build Vault Strategies {% hint style="success" %} After Bonzo Vaults comes out of Beta, documentation will be made available for developers to be able to build their own custom vault strategies. In addition, details will be provided for custom strategy audits, configuration of vault strategist fees, and deployment options / instructions. {% endhint %} # Oracles Oracles are on-chain entities that bridge the gap between blockchain-based smart contracts and real-world data, such as cryptocurrency prices.\ \ They play a crucial role in ensuring that price feed data used by DeFi protocols is up-to-date, accurate, and tamper-proof. In the context of lending and borrowing, oracles provide the necessary price feeds that enable these platforms to determine collateral requirements, calculate interest rates, and execute liquidations when needed. Bonzo Finance utilizes both [Chainlink](/hub/developer/oracles/chainlink) and [Supra](/hub/developer/oracles/supra) oracles for verifiable, tamper proof asset price feed data. \ \ Check out the educational article "[The Role of Oracles in Decentralized Lending & Borrowing](https://bonzo.finance/blog/the-role-of-oracles-in-decentralized-lending-and-borrowing)" to learn more about the world of oracles and their significance in DeFi lending and borrowing ecosystems. # Supra [Supra](https://docs.supra.com/oracles/data-feeds/data-feeds-index#tab-crypto) push oracles are currently being utilized in the Bonzo Finance protocol on Hedera for accurate and reliable price feeds. To view live data feeds, please visit the [Supra data feed dashboard](https://supra.com/data).
ProviderFeedsEVM ContractDetails
SupraHBARX / wHBAR
SAUCE / wHBAR
XSAUCE / wHBAR
DOVU / wHBAR
PACK / wHBAR
KARATE / wHBAR
STEAM / wHBAR
HST / wHBAR		0xD02cc7a670047b6b012556A88e275c685d25e0c9

Heartbeat: 1 hr

Deviation Threshold: 0.5%

Read more about Bonzo Finance's Supra implementation in this blog posting: # Chainlink [Chainlink](http://chain.link/) push oracles are currently being utilized in the Bonzo Finance protocol on Hedera for accurate and reliable price feeds for HBAR and USDC. To view live data feeds, please visit the Chainlink documentation.
ProviderAsset FeedEVM ContractDetails
ChainlinkHBAR / USD0xAF685FB45C12b92b5054ccb9313e135525F9b5d5

Heartbeat: 24 hr

Deviation Threshold: 0.5%

ChainlinkUSDC / USD0x2b358642c7C37b6e400911e4FE41770424a7349F

Heartbeat: 24 hr

Deviation Threshold: 0.3%

Read more about Bonzo Finance's Chainlink implementation in this blog posting: # Bug Bounty Protocol security is a top priority for Bonzo Finance Labs. To encourage responsible disclosure of vulnerabilities, a Bug Bounty Program exists with financial rewards based on the severity of the identified issues. ### Within Scope * Bonzo Lend [testnet & mainnet contracts](/hub/developer/bonzo-lend/lend-contracts) and [GitHub repository](https://github.com/Bonzo-Labs/bonzo-finance-contracts) * Bonzo Lend [testnet & mainnet interface](https://testnet.bonzo.finance) * Bonzo Vaults [mainnet contracts](/hub/developer/bonzo-vaults/vaults-contracts) and [GitHub repository](https://github.com/Bonzo-Labs/beefy-hedera-contracts) * Single-Sided Staking contracts and [GitHub repository](https://github.com/Bonzo-Labs/bonzo-staking-module) ### Out of Scope * Third-party contracts not directly associated with Bonzo Finance * Known issues from audits, bug bounty reports, or in-development fixes * Third-party applications which utilize Bonzo Finance contracts * Any findings that rely on Denial of Service (DoS) or Distributed Denial of Service (DDoS) ### Rewards **The Bug Bountry program includes the following four-level severity scale, based on the OWASP risk rating methodology:** **⚠️ Critical:** Issues that could impact numerous users and have serious reputational, legal, or financial implications. An example would be being able to lock contracts permanently or take funds from all users. **🟥 High:** Issues that impact individual users where exploitation would pose reputational, legal, or moderate financial risk to the user. **🟨 Medium:** The risk is relatively small and does not pose a threat to user funds. **🟩 Informational:** The issue does not pose an immediate risk but is relevant to security best practices. **Bonzo Finance Labs will determine rewards based on the bug's severity and its potential for exploitation. Rewards may be disbursed in USDC, various cryptocurrency assets, or a mix of both. Receipt of reaward requires idenenty** ### Disclosure Please report vulnerabilities to . An acknowledgment will be sent within two to three business days if the issue identified qualifies. **Do not disclose the bug publicly** until it has been resolved and official notice has been provided by Bonzo Finance Labs, acting as an independent protocol development and operations steward for the Bonzo Finance Foundation. A detailed report of a vulnerability increases the likelihood of a reward — it also may increase the reward amount. Please provide as much information about the discovered vulnerability as possible, including: * A detailed description of the conditions required for reproducing the bug * Step-by-step guide or proof of concept for reproduction * Detailed explanation / reasoning of the potential consequences if exploited * Suggestions on how best to remediate the vulnerability (optional) Anyone who reports a unique, previously-unreported bug or vulnerability — which results in a change to the codebase or configuration — AND who keeps such discovery confidential until it has been resolved will be financially rewarded. ### Eligibility **To be eligible for a reward under this program, you must meet the following conditions:** 1. **Uniqueness:** Discover a previously unreported, non-public vulnerability that is not already known to the Bonzo Finance Labs or Bonzo Finance Foundation team(s) and is within the scope of the program. 2. **First Disclosure:** `Be first` to disclose the unique vulnerability to and adhere to the program's disclosure requirements. 3. **Detailed Reporting:** `Provide` comprehensive information that enables core engineers to reproduce and remedy the vulnerability. 4. **Non-Exploitation:** `Do not` exploit the vulnerability in any form, including publicizing it or seeking other forms of profit, except under this program. 5. **Non-Publication:** `Do not` disclose the vulnerability to the public or any third party without our explicit approval. 6. **Ethical Conduct:** `Provide` best faith efforts to prevent privacy violations, data destruction, service interruption, and any degradation of in-scope assets. 7. **Lawful Behavior:** `Do not` engage in any unlawful conduct during the disclosure process, such as making threats, demands, or extortion of any kind. 8. **Age Requirement:** `Must be` at least 18 years of age; if younger, you may participate with the consent of a parent or guardian. 9. **Legal Compliance:** `Cannot be` subject to U.S. sanctions or reside in a U.S.-embargoed or sanctioned country. 10. **Non-Affiliation:** `Cannot be` a current or former employee, vendor, or contractor who contributed to development of the affected code. 11. **Complete Compliance:** `Must be` in compliance with all other eligibility requirements specified in this program. By meeting these criteria, you become eligible for a reward under the Bonzo Finance Bug Bounty Program ✨ ### Other Terms By submitting a report, you grant Bonzo Finance Foundation the rights necessary to validate and resolve the vulnerability itself or by independent services providers. All reward decisions are made at Bonzo Finance Foundation's sole discretion. The program's terms may be changed at any time. For questions about the bug bounty program, please contact . # GitHub Bonzo Finance Labs is an independent development shop which contributes to open source development of the Bonzo Finance protocol, along with its user interface. The GitHub for Bonzo Finance Labs can be found here: # Brand Assets ### Logo (PNG)
### Logo (SVG)
### Color Palette
### Typeface
NameLink
SuisseIntl-Mediumhttps://www.swisstypefaces.com/fonts/suisse/#buy
SuisseIntl-Regularhttps://www.swisstypefaces.com/fonts/suisse/#buy
TiemposText-Mediumhttps://www.onlinewebfonts.com/download/2f284401b2057179c369b475dd90387d
# Glossary This glossary contains definitions for common terms used throughout the Bonzo Finance documentation. Familiarizing yourself with these terms will help you better understand the protocol and its various components. If further assistance is needed or you have any development-related questions, please don't hesitate to reach out on [Discord](https://www.bonzo.finance/discord).
TermDescription
Annual Percentage Yield (APY)APY represents the estimated annual return on your investment, taking into account the effect of compound interest. It differs from Annual Percentage Rate (APR), which does not consider compounding.
aTokensTokens that represent a user's share of the supplied assets in a lending pool. They are minted when a user supplies an asset and burned when the user withdraws their funds. bTokens accrue interest over time based on the lending pool's performance.
Bonzo Token (BONZO)The native governance token of the Bonzo Finance protocol. BONZO token holders can participate in the decision-making process by voting on protocol upgrades and parameter changes.
Borrow APYThe real-time interest APY for borrowing. This rate is variable and determined by the ratio of total supplied and borrowed by all users.
Borrow CapThe maximum total amount of an asset that can be borrowed from the Bonzo Finance protocol across all users. Borrow caps help protect the protocol by preventing excessive borrowing of any single asset and maintaining healthy liquidity levels.
CollateralAn asset that a borrower pledges as security for a loan. In Bonzo Finance, users can supply various cryptocurrencies as collateral to borrow other assets.
Collateralization RatioThe ratio between the value of the collateral and the value of the borrowed asset. It determines the maximum amount a user can borrow based on their collateral.
Flash LoanUncollateralized loans that allow users to borrow funds without providing upfront collateral, as long as the borrowed amount plus fees are returned within the same transaction. Flash loans enable various use cases such as arbitrage, collateral swapping, and debt refinancing.
Health FactorA metric that represents the safety of a borrower's position. It is calculated by dividing the total value of the collateral (multiplied by the liquidation threshold) by the total borrowed amount. A health factor below 1 indicates that the position is undercollateralized and subject to liquidation.
Interest Rate ModelThe algorithm that determines the interest rates for borrowing and lending based on the supply and demand dynamics of each asset. Bonzo Finance employs a variable interest rate model that adjusts rates in real-time to maintain a balanced market.
LiquidationThe process of selling a borrower's collateral to repay their outstanding debt when their position becomes undercollateralized (i.e., when the health factor drops below 1).
Liquidation BonusAn incentive given to liquidators in the form of a bonus on top of the liquidated collateral. It encourages liquidators to participate in the liquidation process and maintain the stability of the protocol.
Liquidation ThresholdThe percentage of the collateral's value at which a borrower's position becomes eligible for liquidation. It is specified for each collateral type and helps maintain a safe cushion for the protocol.
Loan-to-Value (LTV) RatioThe maximum percentage of an asset's value that a user can borrow. It is determined by the asset's risk profile and helps maintain a healthy level of collateralization.
Reserve FactorA percentage of interest payments (protocol fees) that is set aside as protocol reserves, which are used to sustain DAO operations and protocol development. The Reserve Factor also acts as an additional layer of security for the protocol, being employed in cases of shortfall events.
ReservesThe smart contracts that hold the supplied assets and manage the lending and borrowing activities within the Bonzo Finance protocol. Each supported asset has its own reserve.
Slope 1The gradual interest rate increase applied when utilization of an asset pool is below the "optimal utilization" point. Slope 1 determines the borrow APY and Supply APY for an asset pool.
Slope 2The steep interest rate increase applied when utilization of an asset exceeds the "optimal utilization" point. Slope 2 is designed to discourage 100% utilization of an asset pool and determines the borrow APY and Supply APY for an asset pool.
Supply APYThe real-time earnings APY for supplying. This rate is variable and determined by the ratio of total supplied and borrowed by all users.
Supply CapThe maximum total amount of an asset that can be supplied to the Bonzo Finance protocol across all users. Supply caps help manage risk by limiting the protocol's exposure to any single asset.
# Support & Community ### Support If you have any questions or encounter issues with the Bonzo Finance contracts and/or user interface, please join the official Bonzo Finance Discord at and create a ticket in the **🎫╏create-ticket** channel. {% hint style="danger" %} The Bonzo Finance team will **never** email or DM you first. Members of our team will **never** ask for your seed phrase, private key, or funds.\ \ **Always confirm any interaction you have is with official Bonzo Finance accounts on Discord, 𝕏, or email.** {% endhint %} ### Community The Bonzo Finance community can be found across the following social media channels and regular development updates provided via the monthly newsletter.
ChannelURL
🎙️ 𝕏https://x.com/bonzo_finance
👾 Discordhttps://bonzo.finance/discord
💼 LinkedInhttps://linkedin.com/company/bonzo-finance-labs
💌 Newsletterhttps://bonzo.finance
# Team Bonzo Finance Labs fosters a culture of curiosity, creativity, transparency, and collaboration — we highly value those who are patient educators at heart and recognize the importance of community. We pride ourselves on being "optimistic pragmatists" and believe in overcoming challenges with a positive attitude while staying grounded in reality.\ \ If you're passionate about decentralized finance and are interested in joining us, please visit the [careers page](/hub/contributors/careers) of the official documentation. The Bonzo Finance Labs team is fully doxxed with information found below.
NameRoleProfile(s)
BradyCo-Founder & CEO𝕏
LinkedIn
Gaurang Co-Founder & CTO𝕏
Nikhil Engineer𝕏
RenlyMarketing & Community𝕏
LinkedIn
KhemrajEngineer𝕏
# Careers Bonzo Finance Labs is building the future of decentralized lending and borrowing on the Hedera network. The team is passionate about driving innovation in the DeFi ecosystem on Hedera and delivering a protocol that offers a trustworthy, secure, and easy-to-use experience for every user. The team fosters a culture of curiosity, creativity, transparency, and collaboration — we highly value those who are educators at heart and recognize the importance of the community. As a member of the Bonzo Finance team, you'll have the opportunity to work alongside talented professionals from diverse backgrounds who share a common goal: to revolutionize finance on Hedera and make DeFi accessible to everyone. If you're excited about the potential of Bonzo Finance and want to contribute to a project that's at the forefront of the Hedera DeFi ecosystem, please send your resume and a brief introduction to . We look forward to hearing from you! # Community The Bonzo Finance community can be found across the following social media channels and regular development updates provided via the monthly newsletter.
ChannelURL
🎙️ 𝕏https://x.com/bonzo_finance
👾 Discordhttps://bonzo.finance/discord
💼 LinkedInhttps://linkedin.com/company/bonzo-finance-labs
💻 GitHubhttps://github.com/bonzo-labs
💌 Newsletterhttps://bonzo.finance
# Accounts & Contracts Associated with the unlocking, distribution, and operations of the Bonzo Finance protocol's native $BONZO token. ## $BONZO Contracts
AllocationPurposeTypeAccount / Contract IDOwner
DAO TreasuryTreasuryVesting Contract0.0.8312259Bonzo Foundation
Community1st Edition NFT ClaimsDistribution Contract0.0.8317267Bonzo Foundation
CommunityCybernetic NFT ClaimsDistribution Contract0.0.5725214
HeadStarter
CommunityPre-Season Points ClaimsDistribution Contract0.0.8317289Bonzo Foundation
CommunityMarketing ProgramsVesting Contract0.0.8305740Bonzo Foundation
CommunityLiquidity & Staking RewardsVesting Contract(s)0.0.8306863
0.0.8306542
0.0.8306744		Bonzo Foundation
InvestorVariousVesting Contract0.0.8329267Bonzo Reserve Ltd.
Core DevelopmentCore DevelopmentVesting Contract0.0.8305606Bonzo Foundation
## $BONZO Accounts
AllocationPurposeTypeAccount / Contract IDOwner
Token Issuance TreasuryTreasuryToken Issuance Account0.0.8279084Bonzo Reserve Ltd.
Foundation TreasuryTreasuryHolding Account0.0.8302193Bonzo Foundation
DAO TreasuryTreasuryOperational Account0.0.8326196Bonzo Foundation
Community1st Edition NFT & Points Season(s)Distribution Account0.0.8274461Bonzo Foundation
CommunityCybernetic NFTDistribution Account0.0.5725188HeadStarter
CommunityMarketing ProgramsOperational Account0.0.7285744Bonzo Foundation
CommunityLiquidity & Staking RewardsOperational Account(s)0.0.8326242
0.0.8326207
0.0.8326258		Bonzo Foundation
# Protocol Terms of Service ⏰ **Last Updated: November 1, 2025**\ \ These Terms of Service (this “**Agreement**”) explain the terms and conditions by which you may access and use the Services provided by **Bonzo Finance Foundation** (the “**Foundation**”, “**we**”, “**our**”, or “**us**”). The **Services** include, but are not limited to: (a) the website at **bonzo.finance**, including its front-end graphical user interface (the “**Interface**”), and (b) any other websites, applications, or domains that link to this Agreement. This Agreement **incorporates by reference** our Privacy Policy (available at **bonzo.finance/privacy-policy**). By accessing or using any of the Services, you signify that you have read, understand, and agree to be bound by this Agreement **in its entirety**. **If you do not agree to any part of this Agreement, you are not authorized to access or use the Services.** You represent that you are at least the age of majority in your jurisdiction (e.g. 18 years old in the U.S.) and have the full right, power, and authority to enter into this Agreement on behalf of yourself and any organization you represent. You further represent that you are **not** (a) subject to any economic or trade sanctions or on any list of prohibited parties (e.g. as designated by U.S. OFAC), nor (b) a citizen or resident of any country or region that is subject to comprehensive sanctions by the United States. You also represent that your use of our Services will comply with **all applicable laws and regulations**, and that you will not use the Services to conduct or facilitate any illegal activity. Upon request, you agree to provide certain personal information for identity verification and anti-financial-crime purposes, and you permit us to keep a record of such information in accordance with our Privacy Policy. We reserve the right to modify or revoke your access to the Services based on our ongoing compliance obligations. **The Services are offered at the Foundation’s sole discretion** – we may choose not to offer the Services, or may suspend or terminate your access to the Services, at any time and for any reason, without prior notice. > **NOTICE:** This Agreement contains important provisions, including a binding **arbitration clause** and a **class action waiver**, which affect your rights on how disputes are resolved. The Services are available to you **only if** you agree to these terms in full. **Clarification of Parties.** The Services are provided solely by **Bonzo Finance Foundation** (the “**Foundation**”) as the legal counterparty to this Agreement. **Bonzo Finance Labs FZCO (“Bonzo Labs”)** is an independent open-source contributor to the Bonzo Finance protocol, is **not** a party to this Agreement, and assumes **no** contractual liability to you under these Terms. **Covered Parties (for §§ 4.7, 5, 6, 7, and 8).** “**Covered Parties**” means **(i)** the Foundation and each of its current and former officers, directors, employees, contractors, agents, service providers, successors, and assigns; and **(ii)** only those persons or entities **engaged by the Foundation under a written agreement** to perform services **for the Services** — expressly including **Bonzo Finance Labs FZCO** **when** acting as a Service Provider. Inclusion of Bonzo Labs as a Covered Party does **not** make Bonzo Labs a party to this Agreement, an affiliate of the Foundation, or create any partnership, joint venture, or agency; it also does not grant third-party-beneficiary rights except as expressly stated in § 8. **Exclusions.** Covered Parties do not include independent DAO participants, governance delegates, tokenholders, forum authors, or risk stewards/proposers; nor third-party strategy / vault operators, validators / node operators, oracle or bridge providers, wallet providers, or exchanges. ### 1. Our Services **1.1 The Interface and Protocol.** The Interface provides a web-based means of access to a **decentralized lending and borrowing protocol** built on the Hedera network, which allows users to lend, borrow, and earn yield on crypto assets via the Bonzo Finance protocol (the “**Protocol**” or “**Bonzo Finance**”). You understand and acknowledge that **the Protocol itself is not our Service** – it consists of autonomous smart contracts governed as described in the protocol documentation. The Foundation **does not control or operate** any version of the Protocol on any blockchain network. By using the Interface, you understand that you are **not lending or borrowing assets from us**, and we do not operate any lending pools or control the execution of transactions on the Protocol. To access the Protocol, you must use a **non-custodial wallet** (of your choice) that allows interaction with public blockchains. Your relationship with your wallet provider is governed solely by that third party’s terms. We **do not have possession or control** of the contents of your wallet and cannot retrieve or transfer your assets for you. By connecting your wallet to the Interface, you agree to this Agreement and all terms incorporated by reference. **1.2 Other Services.** From time to time, we may offer additional products or features. Any such product, if offered by us and linked to these Terms, will be deemed part of the “Services” and will be subject to this Agreement unless stated otherwise. **1.3 Third-Party Services and Content.** When you use our Services, you may encounter or use content, services, or features provided by third parties (for example, third-party wallet software or external links). Your use of any third-party products, services, or content is subject to those third parties’ terms, policies, or fees, not this Agreement. We do not control, endorse, or assume any responsibility for any third-party resources or promotions. **Your access of any third-party service is at your own risk**, and you expressly release us from any liability arising from your use of or interactions with such third parties. **1.4 Developers & Integrators.** These Terms apply to any access to the Protocol, whether through the Interface, direct smart-contract calls, SDKs, or APIs. You must not circumvent access controls or geographic/sanctions screens, and you may not use the Services to provide regulated financial services without all required authorizations. Use of our trademarks and brand assets is prohibited without written permission. ### 2. Modification **2.1 Modifications of this Agreement.** We reserve the right, in our sole discretion, to modify or update this Agreement at any time. If we make material changes, we will update the “Last Updated” date above and publish the revised Agreement. **All modifications are effective when posted.** By continuing to access or use the Services after an update, you confirm your acceptance of the Agreement. If you do not agree with a modification, you must immediately stop using all Services. **2.2 Modifications of our Services.** We reserve the right (but not the obligation) to at any time: (a) modify, substitute, eliminate, or add to any of the Services; and (b) review, edit, disable, or remove any content or information on the Services. We may do so with or without notice to you. You acknowledge that content available through the Services may be removed or altered by us without prior notice. ### 3. Intellectual Property Rights **3.1 Generally.** We (and our licensors, where applicable) own all intellectual property and other proprietary rights in and to the Services and their contents, including but not limited to the software, text, images, trademarks, service marks, logos, patents, designs, and the “look and feel” of the Services. Subject to your compliance with this Agreement, we grant you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and use the Services **for their intended purposes**, in accordance with this Agreement. **No rights or licenses** are granted to you by implication or otherwise under any IP rights owned or controlled by us or our licensors, except for the limited license above. You agree not to copy, modify, distribute, reverse engineer, decompile, or disassemble any part of the Services except as expressly permitted by us in writing or by applicable law. The Services may allow you to create, post, store, or share content (including messages, files, documents, graphics, software, videos, audio, comments, feedback, or other materials – collectively, “**Posts**”). We **do not claim ownership** over your Posts, and nothing in this Agreement restricts your rights to your own content. However, by using the Services and posting or transmitting any content, you grant us a worldwide, non-exclusive, sublicensable, royalty-free, fully paid-up license to use, copy, modify, display, perform, and distribute that content (including any intellectual property in it) for our current and future business purposes, including operating, promoting, and improving the Services. This includes any content linked to or associated with any NFTs that are displayed via our Services. You also grant us a non-exclusive, transferable, worldwide, perpetual, irrevocable, royalty-free license (with the right to sublicense) under any of your intellectual property or proprietary rights to use any **feedback, suggestions, or ideas** you submit regarding the Services, for any purpose. You represent and warrant that you have all necessary rights, licenses, consents, and authority to post the content you submit and to grant the licenses above. You further represent that your content **does not violate any law or infringe any rights** of any third party (such as intellectual property, privacy, or publicity rights). We take no responsibility and assume no liability for any user content. We have no obligation to monitor or remove Posts, but we reserve the right to remove or disable access to any Post at any time, **without notice**, at our discretion (for example, if we determine a Post is unlawful, offensive, or violates this Agreement). **3.2 Third-Party Resources and Promotions.** Our Services may include references or links to third-party information, resources, or services that we do not control or operate, and third parties may offer promotions related to your use of the Services. We do not endorse or assume any responsibility for any such third-party resources or promotions. If you access third-party resources or participate in third-party promotions, you do so at your own risk. **This Agreement does not govern your relationship with those third parties**, and you release us from any liability arising from your use of or participation in them. **3.3 Additional Rights.** We reserve the right to cooperate with law enforcement, regulatory authorities, or court orders requesting or directing us to disclose information (including content) that you provide, as permitted by applicable law. ### 4. Your Responsibilities **4.1 Prohibited Activity.** You agree **not** to engage in, or attempt to engage in, any of the following categories of prohibited activities in relation to your access or use of the Services: * **Intellectual Property Infringement:** Using the Services to transmit or store content that infringes anyone’s copyright, trademark, patent, trade secret, right of publicity/privacy, or other proprietary rights. * **Cyberattacks:** Any activity that seeks to interfere with or compromise the integrity, security, or proper functioning of any computer system, network, service, or website – including by introducing viruses, malware, or launching denial-of-service attacks. * **Fraud and Misrepresentation:** Conducting fraudulent activities or impersonating others, including providing false, misleading, or deceptive information to us or any user in order to unlawfully obtain property or funds. * **Market Manipulation:** Any activity that violates applicable laws or regulations concerning market integrity for lending, borrowing, or crypto asset markets (for example, wash trading, pump-and-dump schemes, or other deceptive trading practices). * **Securities/Derivatives Violations:** Using the Services in any manner that violates securities or commodities laws – for example, unregistered offering of securities, or offering illegal leveraged or margined commodity transactions to retail customers. * **Dealing in Illegal or Stolen Property:** Using the Services to buy, sell, or transfer stolen assets, fraudulently obtained assets, or any other illicit goods. * **Objectionable Content:** Using the Services to transmit any content that is unlawful, harmful, harassing, defamatory, vulgar, obscene, or otherwise objectionable (including content that targets or exploits anyone under 18, or that promotes hate or discrimination). * **Unlawful Behavior:** Engaging in any other activity that violates any applicable law or regulation, or that could subject the Foundation or the Protocol to liability (including, without limitation, violating U.S. or other anti-money laundering, countering terrorist financing, or economic sanctions laws). **4.2 Lending & Borrowing.** You acknowledge and agree that: (a) any lending or borrowing transaction you submit through the Services (i.e. via the Interface) is initiated solely by you, on an unsolicited basis; (b) you have not received any investment, financial, or legal advice from us in connection with any transaction; (c) we do not conduct any subjective suitability or credit review of your transactions or decisions; and (d) if a transaction occurs using your authenticated credentials or wallet, we will deem that transaction authorized by you. You are fully responsible for the transactions associated with your address. **4.3 Non-Custodial Services; No Fiduciary Duties.** All Services provided are **non-custodial**. This means we **never custody or control your digital assets** at any time; any assets you use in connection with the Protocol remain under your control through your own wallets. *You alone* are responsible for securing and maintaining control of the private keys to your wallets. **Never share** your wallet credentials or seed phrases with anyone. We are not responsible for any loss or theft of assets resulting from you losing control of your wallet. We make **no representations or warranties** about the functionality or security of any wallet you choose to use with our Services, and we shall not be liable for any acts or omissions by you (or any third party) in connection with your wallet. Nothing in this Agreement creates any fiduciary or advisory relationship between you and us. To the fullest extent permitted by law, you agree that the Foundation owes **no fiduciary duties** or analogous responsibilities to you. This Agreement creates only an ordinary commercial relationship, and the **only** duties and obligations we owe you are those expressly set forth in this Agreement. **4.4 Compliance and Tax Obligations.** The Services (or certain features) may not be available or appropriate in all jurisdictions. You are solely responsible for understanding and complying with **all laws and regulations** that may apply to you as a result of your use of the Services. This includes, without limitation, any tax obligations. **Your use of the Services or the Protocol may have tax implications** (for example, income, capital gains, sales, or value-added taxes). It is **your responsibility** to determine what taxes, if any, apply to the transactions you conduct, and to collect, report, and remit the correct taxes to the appropriate authorities. We are **not responsible** for determining whether taxes apply to your activities or for collecting or remitting any taxes arising from any transaction. **4.5 Network Fees (“Gas”).** Any blockchain transaction you submit through the Services will require payment of applicable network fees (commonly called “gas” or transaction fees) to the relevant blockchain network (e.g., Hedera). **You are solely responsible** for paying any such gas fees for each transaction you initiate. We do not receive these fees and have no control over their pricing, which can be volatile. **4.6 Protocol Fees.** The Bonzo Finance Protocol may charge certain protocol-level fees associated with lending and borrowing. By using the Protocol via our Services, you agree to pay any applicable protocol fees, which may include, for example: * **Reserve Factor Fees:** A portion of the interest paid by borrowers that is diverted to the Protocol’s reserves as a safety buffer. * **Liquidation Fees:** A fee taken from collateral when a position is liquidated (due to falling below required collateral levels), paid to liquidators as an incentive for maintaining platform health. * **Flash Loan Fees:** A fee charged on uncollateralized “flash loans” (loans that are borrowed and repaid within one transaction), typically a percentage of the amount borrowed. By using the Protocol, you acknowledge that these fees will apply as determined by the Protocol’s governance process. Fee rates and structures are subject to change through community governance. It is your responsibility to stay informed about the current fee rates and to factor these costs into your decision-making when using the platform. **4.7 Release of Claims.** You assume all risks associated with your use of the Services and the Protocol. To the fullest extent permitted by law, you **release and forever discharge Covered Parties (including Bonzo Labs)** from any and all claims, causes of action, demands, or liabilities arising from or related to your use of, or inability to use, the Services or the Protocol. *If you are a California resident:* You waive the protections of California Civil Code § 1542, which states: “A general release does not extend to claims which the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release, and that if known by him or her would have materially affected his or her settlement with the debtor or released party.” ### 5. DISCLAIMERS **5.1 ASSUMPTION OF RISK.** By accessing or using the Services or the Protocol, you represent that you are **financially and technically sophisticated** enough to understand the inherent risks involved in using cryptographic and blockchain-based systems. You should have a working knowledge of digital assets (including Hedera’s native token HBAR, stablecoins, and other tokens following the Hedera Token Service and EVM standards). You acknowledge that **digital asset markets are nascent and highly volatile**, and you should be prepared for significant volatility in token values due to factors like adoption, speculation, technology, security, and regulation. You understand that **anyone can create a token**, including fake versions of existing tokens or tokens that misleadingly claim to represent projects. You accept the risk that you may accidentally interact with such tokens. You also recognize that stablecoins may not be as stable as advertised (they may not be fully collateralized or could de-peg) and could be subject to rapid loss of value. You further understand that **smart contract transactions automatically execute** and settle on the blockchain, and **completed transactions are generally irreversible**. The cost and speed of transacting on blockchain networks (like Hedera) are variable and can increase at times due to network congestion or other factors. If you supply assets to the Protocol (for example, by providing liquidity), those assets may gain or lose significant value based on market fluctuations of the assets in the lending pools. **You acknowledge that we do not own or control any “cross-chain bridges”** (tools that transfer assets between blockchains), and we make no warranties about the safety or functionality of any third-party bridge you might use. In summary, **you understand and agree that you assume all risks** associated with accessing and using the Services and the Protocol. The Foundation **does not own or control the Protocol** (which consists of autonomous smart contracts), and **we cannot be held liable** for any outcomes (including losses) that you experience. You **accept full responsibility** for all consequences of interacting with the Protocol through our Interface. **5.2 NO WARRANTIES.** **The Services are provided to you strictly on an “AS IS” and “AS AVAILABLE” basis.** To the maximum extent permitted under applicable law, we **disclaim all warranties and representations**, whether express, implied, or statutory, including (but not limited to) any warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade. **Your use of the Services is at your own risk.** We do not guarantee that access will be continuous, uninterrupted, timely, or secure; we do not guarantee that the information provided through the Services is accurate, reliable, complete, or current; and we do not guarantee that the Services are free of errors, viruses, or other harmful components. No advice, information, or statement that any **Covered Parties** makes should be treated as creating any warranty not expressly stated in this Agreement. **Covered Parties** **do not endorse or assume the responsibility of** any third-party content, information, or advertisements that may be presented via the Services. You understand and acknowledge that the data shown through the Interface (for example, token prices, NFT metadata, or other blockchain data) **may contain errors or bugs**. It is your responsibility to cross-check important information (for example, by consulting the relevant blockchain or official Protocol sources) before taking action. We do not routinely monitor the accuracy of on-chain data displayed through the Interface. Likewise, the **Protocol** itself is provided “AS IS” and without any warranty of any kind. Although Bonzo Labs and other contributors have developed and audited the Protocol’s initial code, the Protocol now operates **in a decentralized manner** via smart contracts on public networks. **No developer or entity involved in creating, deploying, or maintaining the Protocol (including the Foundation and Bonzo Labs) is liable for any claims or damages whatsoever** that may arise from your use, inability to use, or interactions with the Protocol. This disclaimer includes any and all types of damages or liability, whether direct or indirect, incidental, special, punitive, consequential, or otherwise (including loss of profits, assets, or value). We again do not endorse or assume responsibility for statements or promises made by third parties about the Services or the Protocol. **Any financial transactions that you engage in via the Protocol are executed by smart contracts** over which we have no control once you initiate them. We **cannot reverse or undo** any on-chain transaction that has been confirmed. **5.3 NO INVESTMENT ADVICE.** All information and content provided through the Services is for **general informational purposes only** and should **not** be construed as investment, financial, or legal advice. The Foundation is **not advising you** with respect to any digital asset or investment strategy. Nothing in the Services constitutes a recommendation that any token or investment is suitable for you. You alone are responsible for evaluating the merits and risks of any transaction you choose to undertake. You should consider your own financial situation, objectives, and risk tolerance, and consult with professional advisors as needed. **You should not take (or refrain from taking) any action** in reliance on any information presented via the Services. By providing information about tokens or markets, we are not recommending or endorsing any particular token, protocol, or opportunity. ### 6. Indemnification You agree to **indemnify, defend, and hold harmless Covered Parties (including Bonzo Labs)** from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use or misuse of the Services or the Protocol; (b) your violation of this Agreement or any law; (c) any content you submit or any activity under your wallet; or (d) any dispute between you and a third party. We may assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such matter. You shall not settle any claim without our prior written consent. ### 7. Limitation of Liability Under no circumstances shall **any Covered Party (including Bonzo Labs)** be liable to you for any indirect, incidental, special, consequential, punitive, or exemplary damages arising out of or relating to your use of (or inability to use) the Services or the Protocol, even if **Covered Parties** or their representatives have been advised of the possibility of such damages. This limitation of liability includes, without limitation, any loss of profits, loss of data, loss of goodwill, business interruption, or other intangible losses; any damage resulting from hacking, tampering, or unauthorized access to or use of the Services or the Protocol or the information contained therein; and any damage resulting from your interactions with the Protocol or other users. **Covered Parties** assume **no liability or responsibility** for any of the following: (A) errors, mistakes, or inaccuracies in content; (B) personal injury or property damage of any nature whatsoever resulting from your access to or use of the Services or the Protocol; (C) unauthorized access to or use of any secure server or database in our control, or any information stored therein; (D) interruption or cessation of transmission to or from the Services or the Protocol; (E) bugs, viruses, trojan horses, or other harmful code that may be transmitted to or through the Services or the Protocol by any third party; or (F) any errors or omissions in any content or data, or any loss or damage incurred as a result of the use of any content or data posted, emailed, or otherwise made available through the Services or the Protocol; and (G) the defamatory, offensive, or illegal conduct of any third party. **Covered Parties** have **no liability** for any transactions, payments, or smart contract operations that you engage in via the Services or Protocol. You are solely responsible for your on-chain transactions (and any gas fees paid). Except as may be expressly set forth by us, **Covered Parties do not provide refunds** for any transactions. **Covered Parties** make no warranties or representations about any **third-party services** (including third-party wallets, websites, or content that you access through our Services). Any links to third-party sites or information are provided for convenience, and you assume all risk if you access them. **Covered Parties** shall **not be liable** for any damages arising from your use of any third-party product or service accessed via our Services. **Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities (for example, the exclusion of incidental or consequential damages),** so some of the above limitations may not apply to you. **To the extent that a court of competent jurisdiction determines that certain limitations of liability are not enforceable, Covered Parties liability shall be limited to the fullest extent permitted by law.** To the maximum extent permitted by law, the **total aggregate liability of all Covered Parties** for all claims arising out of or related to the Services or this Agreement shall not exceed **USD $100** (or the equivalent in local currency), regardless of the theory of liability. The foregoing disclaimers and limitations of liability shall apply to the maximum extent permitted by applicable law, and **will survive** any termination or expiration of this Agreement. ### 8. Governing Law and Dispute Resolution **8.1 Governing Law.** This Agreement (and any dispute (“**Dispute**”) between you and us arising out of or related to this Agreement or your use of the Services) is governed by and construed in accordance with the laws of the **Cayman Islands**, without regard to conflict of laws principles. The Services shall be deemed to be based solely in the Cayman Islands, and the availability of the Services in other jurisdictions shall not be interpreted as a voluntary submission to the personal jurisdiction of courts in any other forum. **8.2 Informal Resolution.** Before initiating formal proceedings, you agree to email **** with a written notice describing the Dispute and your contact information (a “**Dispute Notice**”). We will work with you in good faith to resolve the Dispute for **60 days** after receipt of your Dispute Notice. If the Dispute is not resolved within that time, either party may proceed to arbitration under Section 8.3. The parties may, by mutual agreement, attempt **non-binding mediation** before or during arbitration. **8.3 Arbitration (LCIA).** **Any Dispute between you and any Covered Party** arising out of or related to this Agreement, the Services, or the Protocol **shall be finally resolved** by binding arbitration administered by the LCIA under the **LCIA Rules** then in effect, as modified by this Section 8. The **seat (legal place) of arbitration** shall be the **Cayman Islands**. The tribunal shall consist of **one arbitrator**. The **language** of the arbitration shall be **English**. Hearings may be conducted by video conference unless the tribunal directs otherwise. The tribunal may award any relief available at law or in equity. The **tribunal may apportion arbitration costs and reasonable attorneys’ fees** between the parties as it deems appropriate. The award shall be **final and binding**, and judgment on the award may be entered in any court of competent jurisdiction. **Either party may seek interim or conservatory measures** from the courts of the Cayman Islands or any other court of competent jurisdiction, without waiving arbitration. **Each Covered Party (including Bonzo Labs)** is an intended third-party beneficiary of this Section **8** (and Sections **4.7, 5, 6, and 7**) and may enforce them to the same extent as if it were the Foundation. **8.4 Waiver of Class Actions and Jury Trial.** You must bring any Dispute against any **Covered Party** **only in your individual capacity**, and not as a plaintiff or class member in any class, collective, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation of proceedings are **not permitted**. To the extent any Dispute proceeds in court rather than arbitration, **each party waives any right to a jury trial** and agrees that such proceedings shall be brought **exclusively in the courts of the Cayman Islands** (subject to applicable jurisdictional requirements), and each party submits to the personal jurisdiction of such courts. ### 9. Miscellaneous **9.1 Entire Agreement.** This Agreement (including incorporated references like the Privacy Policy) constitutes the **entire agreement** between you and the Foundation regarding the Services. It supersedes all prior or contemporaneous communications and proposals (whether oral, written, or electronic) between you and us with respect to the Services. **No oral or written information or advice given by us or our representatives** shall create any additional warranties or obligations beyond those expressly stated herein. **9.2 Assignment.** You may **not assign or transfer** any rights or obligations under this Agreement, whether by operation of law or otherwise, without our prior written consent. Any attempted assignment by you in violation of this section is null and void. We may freely **assign or transfer** this Agreement, in whole or in part, to any party at our sole discretion, including to any affiliate or in connection with a merger, acquisition, or sale of assets, or by operation of law. This Agreement will inure to the benefit of and be binding upon the parties and their permitted successors and assigns. **9.3 Not Registered with SEC or Other Agencies.** The Foundation (and the Services) is **not registered** with the U.S. Securities and Exchange Commission or any other securities or financial regulatory authority. You understand and acknowledge that we do not broker deals or solicit orders on your behalf, and we do not facilitate the execution or settlement of your transactions on the Protocol — those occur **entirely on public, distributed blockchains** (like Hedera). We **do not** and **cannot** guarantee that using our Services will yield you the best available market rates or terms for any transaction. Any reference on our Interface to a “best rate” or similar is for informational purposes and does not guarantee you will receive a better price than elsewhere. **9.4 Relationship of the Parties.** Nothing in this Agreement shall be deemed to create any joint venture, partnership, agency, or employment relationship between you and the Foundation. You and we are independent parties. You have no authority to act on behalf of the Foundation, and we have no authority to bind or commit you in any manner. **Nothing in this Agreement creates any partnership, joint venture, or agency between the Foundation and Bonzo Labs.** **9.5 Notices and Communications.** You agree that we may provide you with any notices or communications electronically: for example, via email (to any email address you provide) or through the Services (such as an in-app notification). You are responsible for keeping your contact information current and accurate. If we send you an electronic communication but you do not receive it because your information on file is incorrect or out-of-date (or due to spam filters, etc.), it will still be deemed that **we provided notice**. If you need to contact us or give formal notice of any matter: you must **email us at** ****. Your notice will be effective when we confirm receipt in writing. In your email notice, please include your contact information and a clear description of your request or concern. This email method shall serve as the agreed means of providing notice to the Foundation for all purposes of this Agreement. **9.6 Severability.** If any provision of this Agreement is held to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions of the Agreement will remain in full force and effect. However, **if Section 8.4 (Class Action and Jury Trial Waiver)** is found to be unenforceable, then the entirety of Section 8 (Governing Law and Dispute Resolution) shall be deemed void. In such case, the parties agree to submit to the exclusive jurisdiction of the courts of the Cayman Islands for resolution of any disputes, and you waive any objection based on inconvenient forum or lack of personal jurisdiction. The purpose of this Agreement is to be enforced to its fullest extent, and its fundamental provisions (such as risk allocations and dispute resolution) are essential to the parties’ bargain. **9.7 No Waiver.** Our failure or delay in exercising any right, power, or privilege under this Agreement shall not operate as a waiver of that right or any other provision. Any waiver must be in writing and signed by us to be effective. The rights and remedies provided in this Agreement are cumulative and not exclusive of any rights or remedies provided by law or equity. **9.8 Regional Consumer Law.** Nothing in these Terms is intended to exclude or restrict any rights you may have under **mandatory consumer-protection laws** that apply to you (e.g., in the EEA or UK). To the extent of any **non-waivable conflict** with such mandatory laws, those laws will control for affected users in those jurisdictions. **9.9 Giveaway.** Bonzo Finance Merch Giveaway — Official Rules 1. Eligibility: Open to individuals aged 18 or older. Void where prohibited by law. 2. How to Enter: * Post a photo on 𝕏 (Twitter) featuring Bonzo merch in a creative or original way. * Tag @bonzo\_finance in your post. * (Optional) Include #BonzoMerch for visibility. 3. No Purchase Necessary: * To enter without a purchase, post any original Bonzo-themed photo, artwork, or image and tag @bonzo\_finance. 4. Entry Deadline: All entries must be posted by December 29, 2025 at 11:59 PM UTC. 5. Prizes: Three winners will each receive one Desert Bonzo NFT. 6. Winner Selection: Three winners will be chosen by the Bonzo Finance Labs team based on creativity and presentation. 7. Notification: Winners will be announced on 𝕏 (Twitter) and contacted via DM within 7 days of contest close. 8. Rights: By entering, participants grant Bonzo Finance the right to repost or display submitted images on social media or promotional materials with credit. 9. General: This contest is not sponsored, endorsed, or administered by 𝕏 (Twitter). Participation constitutes acceptance of these rules. 10. Contact: Questions may be directed through the Bonzo Finance Discord - ### 10. Contact Us If you have any questions, comments, or concerns regarding the Services or this Agreement, please contact us at ****. We appreciate feedback and will do our best to address your inquiry. # Bonzo Points Terms & Conditions **⏰ Last Updated:** **November 17, 2025** ### 1. Acceptance; Relationship to Main Terms **1.1 Contracting Party.** The Bonzo Points Program (the “Program”) is offered by Bonzo Finance Foundation (the “Foundation”). By participating, you agree to these Program Terms (the “Points Terms”) and the Foundation’s Terms of Service and Privacy Policy (collectively, the “Main Terms”). Capitalized terms not defined here have the meanings in the Main Terms. 1.2 **Clarification of Parties.** The Services and this Program are provided solely by the **Foundation**. **Bonzo Finance Labs FZCO (“Bonzo Labs”)** is an independent open-source contributor, is **not** a party to these Points Terms, and **assumes no contractual liability** to you. 1.3 **Covered Parties (for §§ 8–10).** “**Covered Parties**” means (i) the Foundation and each of its current and former officers, directors, employees, contractors, agents, service providers, successors, and assigns; and (ii) only those persons or entities **engaged by the Foundation under a written agreement** to perform services **for the Services or the Program** or **at the Foundation’s written direction** (each, a “**Service Provider**”), **but solely while acting within the scope of that engagement**—expressly including **Bonzo Labs** **when** acting as a Service Provider. Covered Parties **do not include** independent DAO participants, governance delegates, tokenholders, forum authors, or risk stewards (acting in that capacity)/proposers, nor third-party vault operators, validators/node operators, oracle/bridge providers, wallet providers, or exchanges. **1.4 No Monetary Value.** Bonzo Points (“Points”) have no monetary value, are non-transferable, and are not property. Points are promotional, revocable units used to measure Program participation. They do not entitle you to any payment, redemption, equity, or revenue share. **1.5 Void Where Prohibited.** The Program is void where prohibited by law. Participation is your responsibility and at your own risk. *** ### 2. Program Overview; Seasons; Eligible Activity **2.1 Program Structure.** The Program awards Points for Eligible Activity related to the Bonzo Finance ecosystem. The Foundation may modify mechanics, rates, lists of eligible assets, networks, or activities at any time. **2.2 Seasons.** The Program may operate in time-boxed “Seasons” (e.g., Pre-Season; Season One; Season Two; etc.). Start/end dates and any Season-specific rules (rates, caps, eligible assets/vaults) will be published in a Season Schedule (e.g., ) and may be updated from time to time. **2.3 Eligible Activity.** Unless the Season Schedule states otherwise, Eligible Activity may include: * **Lend Supply:** Supplying supported assets to the Protocol. * **Borrow:** Borrowing supported assets from the Protocol. * **Vault Deposits:** Holding balances in Eligible Bonzo Vaults disclosed in the Season Schedule (including third-party-operated vaults surfaced in the Interface; such operators are not Covered Parties). * **Other Activities:** As published for a given Season (e.g., governance participation captured by on-chain proofs, bridging via designated routes, or ecosystem campaigns). **2.4 Rates & Weighting.** Each Season’s **Rate** will specify baseline earning rates (e.g., points per USD), any activity weighting, per-asset or per-vault multipliers, and any **caps** (per wallet, per asset, or global). **2.5 NFT Multipliers.** Season-specific NFT multiplier rules (including stacking and caps) will be set in the Season Schedule. Example (illustrative only; subject to the Season Schedule): * Base Multipliers: Desert 1.1x; Ocean 1.2x; Space 1.3x; Singularity 1.5x. * Cybernetic: +0.05x each; may stack with one Base or Cybernetic; overall cap 2.0x. 2.6 Vault Eligibility. Eligible Vaults and any per-vault multipliers are listed in the Season Schedule. Vault eligibility may differ by strategy, or risk criteria, and may change at any time. *** ### 3. Measurement; Oracles; Rounding; Adjustments **3.1 USD Valuation.** Unless stated otherwise, balances and flows are valued in USD using the Foundation-designated price sources (e.g., Chainlink/Supra or internal aggregates) at times and intervals specified for the Season (e.g., 24-hour snapshots). **3.2 Snapshots & Windows.** Earning is computed over the Measurement Window for the Season (e.g., daily at 00:00 UTC). Deposits/withdrawals between snapshots may earn pro-rata only if/when specified. **3.3 Rounding.** Point calculations may include rounding (e.g., to whole points). Minor calculation differences due to rounding, indexing latencies, reorgs, or oracle deviations are expected and accepted. **3.4 Adjustments.** The Foundation may recalculate, adjust, or revoke Points to correct for errors, exploits, oracle failures, chain reorgs, vault incidents, or abuse. The Foundation’s determination is final. *** ### 4. Distribution; No Entitlement **4.1 Reference Only.** Points are a reference metric the Foundation may use to guide community allocations of $BONZO governance tokens or other rewards. Any distribution is at the Foundation’s sole discretion. **4.2 Season-by-Season.** Conversion mechanics (if any), vesting/lock-ups, eligibility checks (e.g., KYC/sanctions), and allocation methodologies may vary by Season and will be published when applicable. No specific conversion rate or allocation is promised. 4.3 **Expiration; Reset.** Unless stated otherwise in the Season Schedule, Season Points do not carry over and expire at Season end. 4.4 **Tax.** Distributions (if any) may be taxable. You are solely responsible for tax reporting and payment. *** ### 5. Eligibility; Compliance; KYC 5.1 **Who May Participate.** You must (a) be of legal age; (b) not be a Restricted Person or in a prohibited jurisdiction; and (c) comply with all applicable laws. 5.2 **KYC/Screening.** The Foundation may require identity or sanctions screening to assess eligibility or before any distribution. Failure or refusal results in forfeiture. 5.3 **Geofencing.** Circumventing geoblocks, sanctions screens, or other access controls is prohibited. *** ### 6. Anti-Gaming; Abuse; Clawback 6.1 **Prohibited Conduct.** Without limitation: wash activity; circular or self-funded loops; rapid deposit/withdraw churn to farm snapshots; spoofing oracles; multi-account/Sybil patterns; botting; contract wrappers to mask common control; bribery or kickbacks for points; exploiting vault/Protocol bugs; misreporting; or any activity the Foundation reasonably deems manipulative or abusive. 6.2 **Remedies.** The Foundation may (with or without notice): disqualify accounts; claw back or zero Points; refuse or revoke distributions; restrict future participation; and share abuse information with ecosystem partners or authorities. 6.3 **Finality.** The Foundation’s determinations on abuse and Points adjustments are final and binding. *** ### 7. No Monetary Value; Non-Transferability 7.1 **No Cash Value.** Points are not cash, currency, securities, commodities, or financial instruments; not redeemable or exchangeable; and not transferable, saleable, pledgeable, or inheritable. 7.2 **License Only.** Points represent a revocable, limited license to participate in Program leaderboards and potential discretionary distributions; the license may be modified or revoked at any time. *** ### 8. Modifications; Suspension; Termination 8.1 **Changes.** The Foundation may modify the Program or these Points Terms at any time. For material changes, we will provide notice (e.g., banner/email) and may require click-through acceptance. 8.2 **Suspension/Termination.** The Foundation may suspend or terminate the Program (or a Season) at any time, with or without notice. 8.3 **Limitation Period.** Any claim related to the Program must be filed within one (1) year after it accrues, or it is permanently barred, to the maximum extent permitted by law. *** ### 9. Privacy Participation involves processing of wallet addresses, transaction data, and on-chain activities for Program administration, analytics, eligibility, and abuse detection. See the [**Privacy Policy**](/hub/legal/privacy-policy) for details. *** ### 10. Disclaimers; Liability; Indemnity 10.1 **Assumption of Risk.** Crypto activities involve substantial risks (volatility, smart-contract failure, oracle failures, third-party protocols, network outages). You participate at your own risk. 10.2 **No Warranties.** The Program is provided “AS IS” and “AS AVAILABLE.” To the maximum extent permitted by law, Covered Parties disclaim all warranties (merchantability, fitness, non-infringement, accuracy, availability). 10.3 **Limitation of Liability.** Under no circumstances shall any Covered Party be liable for indirect, incidental, special, consequential, punitive, or exemplary damages, or for lost profits, data, goodwill, or opportunity. Aggregate Cap: To the maximum extent permitted by law, the total aggregate liability of all Covered Parties for all claims arising out of or related to the Program, the Services, the Protocol, or these Points Terms shall not exceed USD $100 (or local-currency equivalent), regardless of theory (contract, tort—including negligence—strict liability, statute, or otherwise), even if any limited remedy fails of its essential purpose. Multiple claims do not enlarge this cap. Non-Excludable Liability: Nothing herein excludes or limits liability that cannot lawfully be excluded or limited (e.g., fraud or fraudulent misrepresentation). 10.4 **Indemnification.** You agree to indemnify, defend, and hold harmless the Covered Parties from and against any claims, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your Program participation, your violation of these Points Terms or law, or your fraud, negligence, or willful misconduct. *** ### 11. Governing Law; Dispute Resolution (LCIA) 11.1 **Governing Law.** These Points Terms are governed by the laws of the Cayman Islands, without regard to conflict-of-laws principles. 11.2 **Informal Resolution.** Before formal proceedings, email with a description of the dispute. We will work in good faith to resolve it within 60 days. 11.3 **Arbitration (LCIA).** Any dispute between you and any Covered Party arising out of or related to the Program, these Points Terms, the Services, or the Protocol shall be finally resolved by binding arbitration administered by the LCIA under the LCIA Rules then in effect. Seat: Cayman Islands. Tribunal: one arbitrator. Language: English. Hearings may be by video conference. The tribunal may award any relief available at law or in equity and may apportion costs and reasonable attorneys’ fees. Confidentiality: The existence of the arbitration, submissions, and any award are confidential, except as required for enforcement/by law or to professional advisers bound by confidentiality. Non-Party / Smart-Contract Orders: The tribunal shall not issue orders purporting to bind non-parties (e.g., validators/node operators or decentralized governance participants) or requiring modification, shutdown, or deployment of autonomous smart contracts. Either party may seek interim measures from Cayman courts or another court of competent jurisdiction without waiving arbitration. Third-Party Beneficiary: Each Covered Party (including Bonzo Labs) is an intended third-party beneficiary of this §11 (and §§10.3–10.4) and may enforce them. 11.4 **Class Action/Jury Waiver.** You must bring any dispute only in your individual capacity; class, collective, representative, or private-attorney-general proceedings are not permitted. To the extent a dispute proceeds in court, each party waives any right to a jury trial and agrees to exclusive jurisdiction in the courts of the Cayman Islands (subject to jurisdictional requirements). 11.5 **Regional Consumer Law.** Nothing in these Points Terms excludes or restricts any rights you may have under mandatory consumer-protection laws that apply to you (e.g., in the EEA or UK). To the extent of any non-waivable conflict, those laws control for affected users. *** ### 12. Miscellaneous 12.1 **Entire Agreement.** These Points Terms (plus the Main Terms) are the entire agreement regarding the Program and supersede prior understandings. 12.2 **Severability.** If any provision is invalid or unenforceable, it will be modified to the minimum extent necessary; the remainder remains in force. 12.3 **No Waiver.** A failure to enforce any provision is not a waiver. 12.4 **Assignment.** You may not assign these Points Terms without our written consent. The Foundation may assign freely, including to affiliates or successors. 12.5 **Notices.** We may provide notices via the Interface. You may contact us at . # Privacy Policy ⏰ **Last updated: April 23rd, 2024** This Privacy Policy describes how Bonzo Finance Labs FZC (referred to herein as "Bonzo Finance Labs", "we", "our", or "us"), collects, uses, shares, and stores personal information of users of its website:[ https://bonzo.finance](https://bonzo.finance) (the "Site"). This Privacy Policy applies to the Site and other domain names offering or linking to the Site offered by Bonzo Finance Labs, use of the Site and any and all services offered by Bonzo Finance Labs are collectively called the "Service." All capitalized terms have their definition in Bonzo Finance Labs’ [Terms of Service](https://bonzo.finance/terms-of-service), unless otherwise noted here. IF YOU DO NOT AGREE WITH ANY PART OF THIS PRIVACY POLICY DO NOT USE THE SERVICE. BY CLICKING "I ACCEPT", BELOW, AND/OR BY ACCESSING THE SERVICE, YOU AGREE THAT YOU HAVE READ, UNDERSTAND, AND SHALL BE BOUND BY THIS PRIVACY POLICY IN ITS ENTIRETY. If you are accessing and using the Service on behalf of a company (such as your employer) or other legal entity, you represent and warrant that you have the authority to bind that entity to this Agreement. In that case, "you" and "your" will refer to YOU AND that entity. You must be at least eighteen (18) years old and can enter into a binding contract with Bonzo Finance Labs and are not otherwise prohibited from using the Service under any applicable law. UNDER THE REQUIREMENTS OF THE CHILDREN'S ONLINE PRIVACY PROTECTION ACT (COPPA), IF WE RECEIVE INFORMATION DIRECTLY FROM A CHILD UNDER AGE THIRTEEN (13) WE WILL USE THAT INFORMATION ONLY TO RESPOND DIRECTLY TO THAT CHILD (OR THEIR PARENT OR LEGAL GUARDIAN) TO INFORM THE CHILD THAT THEY CANNOT USE THE SERVICE. WE WILL THEN DELETE ALL INFORMATION PROVIDED BY THE CHILD. This Privacy Policy does not apply to information collected through Third party Websites or services that you may access through the Service or information that you submit to us through email, text message, other electronic messages or offline. ### 1. Modifications We reserve the right, in our sole discretion, to modify this Privacy Policy from time to time. If we make any modifications, we will notify you by updating the date at the top of the Privacy Policy. All modifications will be effective when they are posted, and your continued use of the Service will serve as confirmation of your acceptance of those modifications. If you do not agree with any modifications to this Privacy Policy, you must immediately stop accessing and using the Service. ### 2. Contact Information Should you have questions about this Privacy Policy, you may contact us at: . ### 3. What We Collect **A. Personal information that we may collect from you (known altogether, as "Personal Information"):** * Email address, your name, phone number, mailing address, and any other personal information you provide to us when you communicate with us. Such personal information is used only for communication with you; * IP address, MAC address, cookie identifiers, domain server; * Transaction information and network information regarding transactions on the Hedera network; * Usage information, such as information about how you use the Service and interact with us and any data related to usage, performance, site security, traffic patterns, location information, browser and device information; * Surveys. If you decide to participate in a survey, you may be asked to provide certain information which may include personal information; * Social Media Content. We may offer forums, blogs, or social media pages. Any content you provide on these avenues will be considered public and is NOT subject to ANY privacy protections; and * Registration for Sweepstakes, Contests, and Promotions: Contact information you provide may be used to reach you about the sweepstakes, contest, and/or promotion and for other promotional, marketing, and business uses where permitted by law. In your jurisdiction we may be required to publicly share the information of winners. **B. Collected Automatically or by Others:**\ \ We may collect certain information automatically or from others when you use the Service. We use this information to carry out the Service and we analyze (and may engage third parties to analyze) this information to improve and enhance the Service. This information may include: * Internet protocol (IP) address, user settings, MAC address, cookie identifiers; * Details about your browser, operating system or device; * Location information; * Internet service provider, pages that you visit before, during and after using the Service, information about the links you click; * Data regarding your use of the Service, including, but not limited to, the types of content you interact with and the frequency and duration of your activities, the pages or features of our Site to which a user browsed and the time spent on those pages or features, the frequency with which the Site is used by a user, search terms, the links on our Site that a user clicked on or used, and other statistics; * Information about you from a third-party login service, social networking site, and information about you that you have made publicly available via your privacy settings. Information collected through these services may include your name, user name, location, gender, birth date, email, profile picture, and any contacts stored in that service; * Registration for Sweepstakes, Contests, and Promotions: Contact information you provide may be used to reach you about the sweepstakes, contest, and/or promotion and for other promotional, marketing, and business uses where permitted by law. In your jurisdiction we may be required to publicly share the information of winners. **C. Cookies, Pixel Tags, Analytics Information, and Interest-Based Advertising Technologies** We, as well as third parties that provide content, advertising, or other functionality on the Service, may use cookies, pixel tags, local storage, and other technologies (the "Technologies") to automatically collect information through the Service. Technologies are small data files placed on your computer, tablet, mobile phone, or other device that allow us and third parties to record certain pieces of information whenever you visit or interact with our Service. Cookies are small text files placed in visitors' computer browsers to store their preferences. Most browsers allow you to block and delete cookies. However, if you do that, the Service may not work properly. A pixel tag is a piece of code embedded in the Service that collects information about users' engagement on the Site. **D. Third-Party Tools** Third Party tools may be used to monitor and analyze the use of the Service: * Google Analytics. You can find more information about Google Analytics' use of your personal data here:[ https://www.google.com/analytics/terms/us.html](https://www.google.com/analytics/terms/us.html) * Amazon Web Services. You can find more information about Amazon Web Services use of your personal data here:[ https://aws.amazon.com/privacy](https://aws.amazon.com/privacy) * Vercel. You can find more information about Vercel's use of your personal data here:[ https://vercel.com/legal/privacy-policy](https://vercel.com/legal/privacy-policy) * GitHub. You can find more information about GitHub's use of your personal data here:[ https://docs.github.com/en/site-policy/privacy-policies/github-privacy-statement](https://docs.github.com/en/site-policy/privacy-policies/github-privacy-statement) * Validation Cloud. You can find more information about Validation Cloud’s use of your personal data here: * Swirlds Labs (HashScan & HashIO). You can find more information about HashScan’s use of your personal data here: * Hedera. You can find more information about Hedera’s use of your personal data here: * GitBook. You can find more information about GitBook's use of your personal data here:[ https://policies.gitbook.com/privacy#how-gitbook-secures-your-information](https://policies.gitbook.com/privacy#how-gitbook-secures-your-information) * HashPack. You can find more information about HashPack's use of your personal data here:[ https://www.hashpack.app/privacy](https://www.hashpack.app/privacy) * Blade. You can find more information about Blade's use of your personal data here:[ https://www.bladewallet.io/privacy-policy/](https://www.bladewallet.io/privacy-policy/) * MetaMask. You can find more information about MetaMask's use of your personal data here:[ https://consensys.net/privacy-policy/](https://consensys.net/privacy-policy/) * Supra Oracles. You can find more information about Supra Oracles' use of your personal data here:[ https://www.supraoracles.com/privacy-policy/](https://www.supraoracles.com/privacy-policy/) * Pyth Network. You can find more information about Pyth Network's use of your personal data here: ### 4. How We Use Your Personal Information We may use your Personal Information in several ways, including to: 1. Provide you with the Service and provide access to certain areas, functionalities, and features of the Service as well as provide you with services that you may request and to process and complete transactions. 2. Communicate with you about policy changes, promotions, events, and other news about products and services offered by us. We may also use your Personal Information to respond to any comments and questions you may have concerning the Service, provide customer service, technical notices, updates, security alerts, and furnish you with information concerning transactions. 3. Improve our Service. We may use your Personal Information to operate, maintain, and improve our Services. 4. Provide you with additional content such as customized materials about offers, products, analytics, marketing, and Service that may be of interest to you. 5. De-identified / Aggregated Information. We may use Personal Information and other data about you to generate de-identified / aggregated information. These may include, but not be limited to demographic information, location information, device information, or other analysis we may create. 6. Automatic Collection Technologies. We may use Technologies to automatically collect information through the Service. This includes: * Technologies that allow you to access the Service; * Technologies that are required to identify irregular site behavior and improve security; * Technologies that track your use of the Service to improve user experience and functionality of the Service; and * Technologies that allow for the delivery of relevant marketing content to you depending on your use of the Service. G. Fraud prevention and Safety. * Verifying your identity and preventing fraud; * Preventing against illegal activity; * Debugging to identify and repair errors that impair existing intended functionality; * Enforcing our terms and policies; and * Following our legal obligations and the law such as complying with law enforcement, national security requests, and legal process (such as a court order or subpoena). ### 5. Sharing of Personal Information We may disclose Personal Information to third parties in the following cases: * Merger, Sale, or other Asset Transfer. A merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of Service to another provider, may cause your information to be sold or transferred as part of such a transaction, as permitted by law and/or contract. * Location. You acknowledge that all information processed by us may be transferred, processed, and stored anywhere in the world, including but not limited to, the United States or other countries, which may have data protection laws that are different from the laws where you live. We endeavor to safeguard your information consistent with the requirements of applicable laws. If we transfer personal information to countries outside the European Economic Area, we will put in place appropriate safeguards to ensure that this transfer complies with the applicable laws and regulations. * Complying with Legal Obligations. We may share your Personal Information to comply with legal obligations and law enforcement as well as for national security requests, and legal process (such as a court order or subpoena). * Referrals. Our Service may also allow you to refer friends through our referral services. These referral services may allow you to share and forward content, information, and Personal Information, with a friend. * Third-party Websites. The Service may link to other websites or other services. We do not control, endorse, nor are we responsible for the privacy practices or content of such Third-party Websites. Your use of Third-party Websites is at your own risk. ### 6. Your Rights Where you have consented to the processing of your Personal Information and you may withdraw that consent at any time and prevent further processing by contacting us as described above in the "Contact Information" section. Even if you opt out, we may still collect and use non-personal information regarding your activities on our Service and for other legal purposes as described above. Furthermore, you have the right to: 1) Confirm whether we are processing your Personal Information; 2) Obtain access to or receive a copy of your Personal Information that you have provided to us in a commonly used format; 3) Request correction of your Personal Information where it is inaccurate or incomplete; and/or 4) Request deletion of your Personal Information, subject to certain exceptions prescribed by law. 1. **Technologies.** Technologies (including cookies) may be disabled or removed by tools available as part of most browsers. Generally, you must separately opt out, disable, or remove technologies on EACH browser and device. 2. **Google Analytics.** You may exercise choices regarding the use of cookies from Google Analytics by going to:[ https://tools.google.com/dlpage/gaoptout](https://tools.google.com/dlpage/gaoptout) and downloading the Google Analytics Opt-out Browser Add-on. ### 7. Data Retention Your Personal Information is retained as long as necessary and relevant to fulfill obligations in this Privacy Policy or under the Terms of Service. To determine the appropriate retention period for Personal Information, we consider the amount, nature, and sensitivity of the Personal Information, the potential risk of harm from unauthorized use or disclosure of your Personal Information, the purposes for which we process your Personal Information, and applicable legal requirements. We retain Personal Information to: * Comply with applicable law; * Prevent fraud; * Resolve disputes; * Troubleshoot problems; * Assist law enforcement; * Enforce our Terms of Service; * Provide our Service; * Establish legal defenses; and * Any other actions permitted by law. ### 8. How Information is Secured We take steps to employ industry standard security measures designed to protect the security of all information (including Personal Information) submitted through the Service. NO SYSTEM IS COMPLETELY SECURE. SECURITY OF INFORMATION TRANSMITTED THROUGH THE INTERNET CAN NEVER BE GUARANTEED AND WE DO NOT REPRESENT, ENSURE, OR WARRANT SUCH. WE ARE NOT RESPONSIBLE FOR THE INTERRUPTION OR INTERCEPTION OF ANY COMMUNICATIONS THROUGH THE INTERNET, CHANGES TO DATA, OR LOSS OF DATA. WE DO NOT ACCEPT LIABILITY FOR UNINTENTIONAL DISCLOSURE. ### 9. European Union Subjects This section provides additional details about the Personal Information we collect about European Union subjects and the rights afforded to them under the European Union General Data Protection Regulation (GDPR). Personal Information as used in this Privacy Policy is equivalent to "personal data" as defined in the GDPR. We are required to inform you of the legal bases of our processing of your Personal Information which can be found in the "How We Use Your Personal Information" section, above. Should you have other questions regarding the legal basis for that use, please contact us per the "Contact Information" section, above. Per the GDPR, you have rights regarding your Personal Information. In regards to your Personal Information, you may request to: 1. Opt-out of marketing communications which you have previously consented to receive (but we may continue to send Service related and other non-marketing communications to you); 2. 2\. Give you access to your Personal Information; 3. 3\. Update, delete, restrict, and/or correct inaccuracies in your Personal Information; 4. 4\. Transfer a machine-readable copy of your Personal Information to you or your authorized agent; and 5. 5\. Object to our reliance on our legitimate business interests as the basis for processing your Personal Information that impacts your rights. To exercise any of these rights you may contact us per the "Contact Information" section, above. Applicable law may require us to decline your request. Should we decline your request and subject to legal restrictions, we will tell you the basis for declining your request. ### 10. California Residents This section provides additional details about the Personal Information we collect about California consumers and the rights afforded to them under the California Consumer Privacy Act ("CCPA"). According to California Civil Code Section 1789.3, California users of the Service may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (800) 952-5210. See the "What We Collect" section above for details about the Personal Information we collect from you. Personal Information is collected for the business and commercial purposes described in the "How We Use Your Personal Information" section above. Personal Information may be shared with third parties described in the "Sharing of Personal Information" section above. We do not sell (as such term is defined in the CCPA) Personal Information. Please refer to the "Cookies, Pixel Tags, Analytics Information, and Interest-Based Advertising technologies" sub-section, above, for information regarding the types of third-party cookies and Technologies, if any, that we use. The CCPA provides California consumers the right to request to know more details about the categories or specific pieces of Personal Information we collect (including how we use and disclose this Personal Information), to delete their Personal Information, and allows you to not be discriminated against for exercising these rights. California consumers may make a request pursuant to their rights under the CCPA by contacting us per the "Contact Information" section, above. You will need to verify your identity and the reason for your inquiry before any further action is taken. As such, valid government identification may be required. You may, and in order to, designate an authorized agent to make a request on your behalf, must provide a valid power of attorney, the requester's valid government issued identification, and the authorized agent's valid government issued identification.
# MiCAR Whitepaper Bonzo Reserve Ltd. has published and notified the MiCAR crypto-asset white paper for $BONZO to its home Member State (MFSA).\ \ This crypto-asset marketing communication has not been reviewed or approved by any competent authority in any Member State of the European Union. The person seeking admission to trading is solely responsible for the content of this crypto-asset marketing communication. {% file src="/files/7KI7LXNevqMtXiy0S6uZ" %} Bonzo Finance | MiCAR Whitepaper {% endfile %}
Contactcontact@bonzo.finance
ScopeAdmission to trading only; no public offer.
Key RisksThe crypto-asset may lose value in part or in full, may not always be transferable, and may not be liquid.
# ToS 1-866-BONZO-FI **Last updated:** October 21, 2025 **What this is.** This page covers the playful “easter-egg” program tied to the toll-free number **1-866-BONZO-FI** (the “Program”). When you text or call the number, you’re interacting with Bonzo Finance Labs FZCO (“Bonzo,” “we,” “us”). **Who may use it.** The Program is intended for **individuals 18+**. If you’re under 18, please don’t use it. **How it works (SMS).** If you **text** the number, you’ll get **one automated reply** that’s humorous and on-brand. We do **not** run recurring campaigns, and we **do not** initiate messages. If you text us again in the future, you’ll get one automated reply again. **Msg & data rates may apply.** **How it works (voice).** If you **call**, you’ll hear a playful recording. You **may** choose to **leave a voicemail**; that’s optional. **Opt-out & help.** You can opt out **any time** by replying **STOP** (we also honor END, CANCEL, UNSUBSCRIBE, QUIT). For help, reply **HELP** or email [**contact@bonzo.finance**](mailto:contact@bonzo.finance). We honor revocation of consent by any **reasonable means**. **Coverage & delivery.** **SMS availability is primarily US/Canada;** delivery in other countries/carriers isn’t guaranteed. Carriers aren’t liable for delayed/undelivered messages. **Costs.** Your carrier’s **message and data rates may apply.** **Data & privacy.** We handle your data as described in our **Privacy Policy** (linked below). **Acceptable use.** Please don’t use the Program to send unlawful, harmful, or abusive content. We may suspend the Program or block numbers to protect the service or others. **Changes.** We may update these Terms from time to time. If we make material changes, we’ll update the “Last updated” date above. **Contact.** Questions? Email [**contact@bonzo.finance**](mailto:contact@bonzo.finance). **Links:** * **Terms (this page):** `https://docs.bonzo.finance/hub/legal/tos-1-866-bonzo-fi` * **Privacy Policy:** `https://docs.bonzo.finance/hub/legal/privacy-1-866-bonzo-fi` # Privacy 1-866-BONZO-FI **Last updated:** October 21, 2025 **Who we are.** Bonzo Finance Labs FZCO (“Bonzo,” “we,” “us”). Contact: [**contact@bonzo.finance**](mailto:contact@bonzo.finance). **What we collect.** If you text or call the Program, we may collect: * **Phone number** you used * **Message content** you send * **Voicemail audio** you record (if you choose to leave one) * **Date/time** and basic metadata (e.g., routing information) **Why we collect it.** To operate the easter-egg SMS/voice experience; to review and moderate content; to troubleshoot and secure the service; and to comply with law. **Our basis for processing.** Your **initiating** text/call (consent) and our legitimate interests in operating and securing the Program. **Retention.** We retain SMS/call data **until manually deleted** in our systems. **Sharing.** We **do not sell** your data. We don’t share it with third parties except: * **Service providers** (e.g., 800.com and carrier partners who technically process calls/SMS for us), bound by contract to use it only to provide their services; and * **Legal compliance** (if required by law, regulation, or valid process). **International transfers.** Technical processing may involve servers outside your country. We take reasonable steps to protect data during transfer. **Your choices.** * **Stop messages anytime**: reply **STOP** (we also honor END, CANCEL, UNSUBSCRIBE, QUIT). * **Help**: reply **HELP** or email [**contact@bonzo.finance**](mailto:contact@bonzo.finance). * **Deletion requests**: email us and we’ll make reasonable efforts to delete SMS/voicemail data we control, subject to legal holds. Consumers may revoke consent by any **reasonable means**. **Age Requirement.** The Program is for **18+**. We don’t knowingly collect personal information from individuals under the age of 18. If we learn we’ve received such information, we’ll delete it. **Security.** We use reasonable technical and organizational safeguards appropriate for a lightweight, non-commercial interaction, but no method is 100% secure. **Changes.** We may update this Policy; the date above reflects the latest version. **Contact.** Bonzo Finance Labs FZCO — Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates — [**contact@bonzo.finance**](mailto:contact@bonzo.finance). # Hedera Onboarding # Hedera Wallet Setup Setting up a Hedera ecosystem wallet compatible with the Bonzo Finance protocol. ### HashPack Wallet [HashPack](https://www.hashpack.app/) is an ecosystem wallet that offers deeply integrated functionality specific to the Hedera network and its associated ecosystems. For detailed, step-by-step instructions on setting up your HashPack wallet, visit [How to Create Your First Account with HashPack](https://www.hashpack.app/post/how-to-create-your-first-account-with-hashpack). * For desktop users, install the HashPack extension from the [Chrome Web Store](https://chrome.google.com/webstore/detail/hashpack/gjagmgiddbbciopjhllkdnddhcglnemk). * For iOS users, download HashPack from the[ Apple App Store](https://apps.apple.com/us/app/hashpack/id6444389849). * For Android users, you can find HashPack on the[ Google Play Store](https://play.google.com/store/apps/details?id=app.hashpack.wallet.twa). ### Kabila Wallet [Kabila](https://www.kabila.app/wallet) is an ecosystem wallet that offers deeply integrated functionality specific to the Hedera network and its associated ecosystems. * For desktop users, install the HashPack extension from the [Chrome Web Store](https://chromewebstore.google.com/detail/kabila-wallet/cnoepnljjcacmnjnopbhjelpmfokpijm). * For iOS users, download HashPack from the [Apple App Store](https://apps.apple.com/es/app/kabila-wallet/id6467106529). * For Android users, you can find HashPack on the [Google Play Store](https://play.google.com/store/apps/details?id=wallet.kabila.app). ### MetaMask {% hint style="warning" %} Currently in development. The Bonzo Finance testnet application today only works with the HashPack wallet. {% endhint %} [MetaMask](https://metamask.io/) is the most widely-used wallet, allowing users to store ERC-20 tokens on EVM-based blockchains, as well as Hedera Token Service (HTS) tokens on the Hedera network. For detailed, step-by-step instructions on setting up your MetaMask wallet, visit [Getting started with MetaMask](https://support.metamask.io/hc/en-us/articles/360015489531-Getting-started-with-MetaMask). * For desktop users, install the MetaMask extension directly from [metamask.io](https://metamask.io/). * For iOS users, download MetaMask from the[ Apple App Store](https://apps.apple.com/us/app/metamask-blockchain-wallet/id1438144202?_branch_match_id=1235424007731302813&_branch_referrer=H4sIAAAAAAAAA8soKSkottLXz00tScxNLM7WSywo0MvJzMvWL8529DB2SnSztAQA5G46IyQAAAA%3D). * For Android users, you can find MetaMask on the [Google Play Store](https://play.google.com/store/apps/details?id=io.metamask\&hl=en_US\&ref=producthunt&_branch_match_id=1235424007731302813&_branch_referrer=H4sIAAAAAAAAA8soKSkottLXz00tScxNLM7WSywo0MvJzMvWT6ooz3a1yHeztAQA%2FOIqTSQAAAA%3D). ### MetaMask Network Configuration (JSON-RPC) {% hint style="info" %} When first connecting your MetaMask account to Hedera, you will need to add a JSON-RPC relay to enable communication between MetaMask and Hedera. {% endhint %} 1. Use [ChainList](https://chainlist.org/chain/295) to add the "Hashio" RPC, operated and maintained as a community service by [Hashgraph](https://www.hashgraph.com/).\ \ **OR**
2. Manually add a network by including the following JSON-RPC information: * **Network Name:** Hedera Mainnet * **RPC URL:** * **Chain ID:** 295 * **Currency Symbol:** HBAR * **Block Explorer URL:** # Obtaining $HBAR Obtaining HBAR for use with the Bonzo Finance protocol To interact with the Bonzo Finance protocol and perform transactions, you will need HBAR, the native token of the Hedera network. HBAR is used to pay transaction fees on Hedera network, similar to how ETH is used on the Ethereum network. Here are a few ways you can obtain HBAR: ### Centralized Exchanges Many popular cryptocurrency exchanges, such as Binance, Coinbase, BitStamp and MEXC, support HBAR trading. You can find a comprehensive list of exchanges that offer HBAR on [CoinMarketCap](https://coinmarketcap.com/currencies/hedera/). \ \ Simply create an account on one of these exchanges, complete the necessary verification steps, and purchase HBAR using your preferred payment method. ### FIAT On-Ramps & Gateways If you prefer to buy HBAR directly using your local currency, you can use FIAT on-ramp gateways like [MoonPay](https://www.moonpay.com/buy/hbar) and [Banxa](https://banxa.com/). These services allow you to purchase HBAR using a credit or debit card, bank transfers, Apple Pay, or Google Pay. You can access these gateways either through their websites or directly within the [HashPack](https://www.hashpack.app) wallet, a popular Hedera-compatible wallet. # Bonzo Finance: DevDay Scavenger Hunt

Welcome, scavengers!

Bonzo Finance is The Liquidity Layer of Hedera: an open source non-custodial DeFi protocol, built on Hedera, that offers lending & borrowing, as well as newly launched automated yield strategy vaults.

There's so much to explore as a developer building in the Hedera DeFi ecosystem — and the Bonzo Finance protocol is an incredible place to get started.

Whether you're brand new to web3 or just getting started, check out the resources below for more information how to get involved in the Bonzo Finance ecosystem.

Bonzo LendBonzo VaultsCommunity

Bonzo Lend is based on Aave v2 and adapted to the Hedera EVM and native Hedera Token Service (HTS).

Developers can help support the Bonzo Finance ecosystem by building a liquidation bot (to support healthy liquidations, while earning fees) and utilize Bonzo Lend's flash loans.

🤖 Build a Liquidation Bot

⚡️ Utilize Flash Loans

Bonzo Vaults is based on the open source "Beefy Finance" architecture and adapted to Hedera's EVM and native token service.

Vaults are fully permissionless; developers can custom-architect vault strategies that incorporate DeFi protocols across the Hedera ecosystem and deploy them publicly for users.

Vault development is "incentives aligned" — builders earn a strategist fee (configurable %) on all yield earned by users of the vault, once it's made public.

♟️ Build an Automated Yield Vault
Have development questions?

Join the official Bonzo Finance Discord for development support 🛠️
## Happy Scavenging! 🕵️‍♀️