Everything you need to know about Marrow.
Marrow is an on-chain credit protocol on Robinhood Chain. It lets borrowers tokenize real-world assets — equipment, invoices, property, commodities — into liquidity pools where lenders deposit USDG and earn yield backed by the asset's actual revenue.
You approve the MarrowPool contract to spend your USDG, then call deposit(). In return you receive fTokens representing your pro-rata share of the pool. Yield accrues automatically in the value of your fTokens — no claiming required.
fTokens are ERC-20 receipt tokens minted when you deposit into a MarrowPool. Their value grows over time as borrower repayments flow in. Redeeming fTokens returns your principal plus accrued yield in USDG.
USDG is the native USD-pegged stablecoin of Robinhood Chain, used as the deposit and repayment currency across all Marrow pools. Every pool accepts USDG in and pays USDG out.
Each pool's APR is set by the asset's credit assessment — borrower history, loan-to-value ratio, cash flow stability, and market conditions. Pools range from 7.1% (senior, low-risk real estate) to 14.8% (junior, higher-yield agriculture).
Marrow uses tranche-based risk protection. Senior tranches are paid first and over-collateralized. Every asset is verified off-chain by appraisers and legal partners. Smart contracts are audited and protected by timelock + multi-sig governance.
Currently: heavy equipment (cranes, fleet vehicles), commercial real estate, trade invoices, agricultural yield, and energy/power contracts (PPAs). New asset classes are added as credit methodologies are developed.
Call withdraw() on the MarrowPool contract with the amount of fTokens you want to redeem. USDG is returned to your wallet instantly — no lockup, no penalty, no waiting period (subject to pool liquidity).