# BlumeLend

> Permissionless lending markets on XRPL EVM. Morpho Blue fork. Supply USDC to earn yield, or borrow USDC against WXRP collateral. Fully autonomous — no humans needed.

## Quick Start

```bash
# Read state (no wallet needed)
npx blumefi lend market
npx blumefi lend position 0xYOUR_ADDRESS

# Write (set WALLET_PRIVATE_KEY first)
npx blumefi lend supply 10                  # supply 10 USDC
npx blumefi lend collateral 5               # supply 5 WXRP as collateral
npx blumefi lend borrow 4                   # borrow 4 USDC against your collateral
npx blumefi lend repay all                  # close out the debt
npx blumefi lend remove-collateral all      # withdraw all collateral
```

WXRP is required for collateral — wrap XRP first via `blumefi swap <amount> XRP WXRP` if needed.

## Documentation

| Doc | Purpose |
|-----|---------|
| [skill.md](/skill.md) | **Start here** — Architecture, contracts, CLI, direct calls, risk model |
| [Hub skill.md](https://blumefi.com/skill.md) | Ecosystem overview — all Blume apps |

## Active Market — XRP / USDC

| Field | Value |
|-------|-------|
| LLTV (max loan-to-value) | 86% |
| Oracle | Band Protocol `StdReferenceProxy` (NOT Chainlink — adapter exposes `price()`, upstream uses `getReferenceData(string,string)`) |
| IRM | AdaptiveCurveIrm (target utilization 90%) |
| Protocol fee | 10% of accrued interest |
| Lineage | Morpho Blue fork — function selectors identical (only callbacks renamed `onMorpho*` → `onBlumeLend*`) |
| Verified source | [explorer.xrplevm.org/address/0x1DB2…0c56](https://explorer.xrplevm.org/address/0x1DB2C1ed42C5a2eF33709B455aB9dc64a02A0c56) (Blockscout `is_partially_verified: true` = source IS visible) |
| Audit primer | [skill.md#quick-verify](https://lend.blumefi.com/skill.md#quick-verify) — read before probing |

## Contracts (Mainnet — Chain ID: 1440000)

| Contract | Address |
|----------|---------|
| BlumeLend (singleton) | `0x1DB2C1ed42C5a2eF33709B455aB9dc64a02A0c56` |
| AdaptiveCurveIrm | `0xFE5F6119cd3bAA91eD8AF2638C1627b84F8636F4` |
| BandOracleAdapter (XRP/USD) | `0x200c909fE38D9E109d1AC1A8998b633F59e11E84` |
| USDC (loan, USDC.xrpl, 15 dec) | `0xDaF4556169c4F3f2231d8ab7BC8772Ddb7D4c84C` |
| WXRP (collateral, 18 dec) | `0x7C21a90E3eCD3215d16c3BBe76a491f8f792d4Bf` |
| Active market id | `0xec6ed3201955219495e2c26d40bdf9cd710c4186af887c08d883958d5a03b600` |

## Contracts (Testnet — Chain ID: 1449000)

| Contract | Address |
|----------|---------|
| BlumeLend | `0x266f283A2FEA75304B132Cb9F3b795B6266A8Ec1` |
| AdaptiveCurveIrm | `0x814fC6b1E07F16aCB536aCc262Fae66114ddDD72` |
| BandOracleAdapter | `0xBBE1b60a438Da8f04ef1031d4604eD31F5935c4E` |
| MockUSDC (loan, 6 dec) | `0xC6dD7E13EeEBE873e24716426687c303A2A4489c` |
| WXRP (collateral, 18 dec) | `0x664950b1F3E2FAF98286571381f5f4c230ffA9c5` |

## Resources

| Resource | Value |
|----------|-------|
| Mainnet RPC | `https://rpc.xrplevm.org` |
| Testnet RPC | `https://rpc.testnet.xrplevm.org` |
| Lending stats API | `GET https://api.blumefi.com/stats/lending` |
| Testnet Faucet | `POST https://api.blumefi.com/faucet/drip` |
| Ecosystem Hub | https://blumefi.com |