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MAINNET ALPHA Unaudited. A bug or an exploit could take everything in it, and nobody would pay you back. $100 total deposit cap. Put in only what you can lose. Read the risks.

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Lending on Solana · profile reviewed 2026-09-15

What Jupiter Lend USDCdepends on.

Deposit USDC into Jupiter Lend, where borrowers post collateral and pay interest. What you earn is what they pay; what you risk is their collateral being mispriced or illiquid when it has to be sold.

Base APY

5.46%defillama · just now

Reward APY

0.00%From a rewards budget, and it can stop

Size

$469.57Mdefillama · just now

Withdrawable now

$42.70MWhat could leave this minute, before anyone else asks

Readings

What it pays,
and how deep it is.

One reading every 15 minutes. A gap in a line is a reading the cron missed, and every reading is in the table under its chart.

Base APY

what the source itself earns, apart from rewards
3.12%9.69%16.26%29 Oct · 14.98%30 Oct · 13.81%30 Oct · 14.99%30 Oct · 14.99%30 Oct · 14.99%30 Oct · 14.99%30 Oct · 14.99%30 Oct · 14.98%30 Oct · 14.99%30 Oct · 14.98%30 Oct · 14.99%30 Oct · 14.99%30 Oct · 14.99%30 Oct · 14.99%30 Oct · 14.99%30 Oct · 14.99%30 Oct · 14.99%30 Oct · 14.99%30 Oct · 5.28%30 Oct · 7.27%31 Oct · 6.72%31 Oct · 6.50%31 Oct · 6.60%31 Oct · 6.90%31 Oct · 7.03%31 Oct · 6.85%31 Oct · 6.97%31 Oct · 7.01%31 Oct · 7.05%31 Oct · 7.06%31 Oct · 7.04%31 Oct · 6.82%31 Oct · 6.75%31 Oct · 7.49%31 Oct · 7.35%31 Oct · 7.36%31 Oct · 7.34%31 Oct · 7.35%31 Oct · 7.34%1 Nov · 7.13%1 Nov · 6.99%1 Nov · 7.04%1 Nov · 7.06%1 Nov · 7.06%1 Nov · 7.11%1 Nov · 7.06%1 Nov · 7.03%1 Nov · 6.98%1 Nov · 6.98%1 Nov · 6.84%1 Nov · 6.60%1 Nov · 6.57%1 Nov · 6.54%1 Nov · 6.62%1 Nov · 6.58%1 Nov · 6.57%1 Nov · 6.51%1 Nov · 6.28%1 Nov · 6.27%2 Nov · 6.15%2 Nov · 6.16%2 Nov · 6.14%2 Nov · 6.19%2 Nov · 6.19%2 Nov · 6.16%2 Nov · 6.08%2 Nov · 6.09%2 Nov · 6.10%2 Nov · 6.10%2 Nov · 6.06%2 Nov · 6.17%2 Nov · 6.14%2 Nov · 6.31%2 Nov · 6.29%2 Nov · 6.39%2 Nov · 7.06%2 Nov · 6.95%2 Nov · 7.21%3 Nov · 4.39%3 Nov · 4.51%3 Nov · 4.53%3 Nov · 4.61%3 Nov · 4.62%3 Nov · 5.66%3 Nov · 5.65%3 Nov · 5.45%3 Nov · 5.45%3 Nov · 5.37%3 Nov · 5.37%3 Nov · 5.45%3 Nov · 5.43%3 Nov · 5.43%3 Nov · 5.44%3 Nov · 5.45%3 Nov · 5.45%3 Nov · 5.44%3 Nov · 5.39%4 Nov · 5.39%4 Nov · 5.43%4 Nov · 5.45%4 Nov · 5.46%29 Octnow · 5.46%
Every reading behind this chart
Read atBase APY
2026-11-04 04:00Z5.46%
2026-11-04 03:00Z5.45%
2026-11-04 01:45Z5.43%
2026-11-04 00:30Z5.39%
2026-11-03 23:15Z5.39%
2026-11-03 22:00Z5.44%
2026-11-03 20:45Z5.45%
2026-11-03 19:30Z5.45%
2026-11-03 18:15Z5.44%
2026-11-03 17:00Z5.43%
2026-11-03 15:45Z5.43%
2026-11-03 14:30Z5.45%
2026-11-03 13:15Z5.37%
2026-11-03 12:00Z5.37%
2026-11-03 10:45Z5.45%
2026-11-03 09:30Z5.45%
2026-11-03 08:15Z5.65%
2026-11-03 07:00Z5.66%
2026-11-03 05:45Z4.62%
2026-11-03 04:30Z4.61%
2026-11-03 03:15Z4.53%
2026-11-03 02:00Z4.51%
2026-11-03 00:45Z4.39%
2026-11-02 23:30Z7.21%
2026-11-02 22:15Z6.95%
2026-11-02 21:00Z7.06%
2026-11-02 19:45Z6.39%
2026-11-02 18:30Z6.29%
2026-11-02 17:15Z6.31%
2026-11-02 16:00Z6.14%
2026-11-02 14:45Z6.17%
2026-11-02 13:30Z6.06%
2026-11-02 12:15Z6.10%
2026-11-02 11:00Z6.10%
2026-11-02 09:45Z6.09%
2026-11-02 08:30Z6.08%
2026-11-02 07:15Z6.16%
2026-11-02 06:00Z6.19%
2026-11-02 04:45Z6.19%
2026-11-02 03:30Z6.14%
2026-11-02 02:15Z6.16%
2026-11-02 01:00Z6.15%
2026-11-01 23:45Z6.27%
2026-11-01 22:30Z6.28%
2026-11-01 21:15Z6.51%
2026-11-01 20:00Z6.57%
2026-11-01 18:45Z6.58%
2026-11-01 17:30Z6.62%
2026-11-01 16:15Z6.54%
2026-11-01 15:00Z6.57%
2026-11-01 13:45Z6.60%
2026-11-01 12:30Z6.84%
2026-11-01 11:15Z6.98%
2026-11-01 10:00Z6.98%
2026-11-01 08:45Z7.03%
2026-11-01 07:30Z7.06%
2026-11-01 06:15Z7.11%
2026-11-01 05:00Z7.06%
2026-11-01 03:45Z7.06%
2026-11-01 02:30Z7.04%
2026-11-01 01:15Z6.99%
2026-11-01 00:00Z7.13%
2026-10-31 22:45Z7.34%
2026-10-31 21:30Z7.35%
2026-10-31 20:15Z7.34%
2026-10-31 19:00Z7.36%
2026-10-31 17:45Z7.35%
2026-10-31 16:30Z7.49%
2026-10-31 15:15Z6.75%
2026-10-31 14:00Z6.82%
2026-10-31 12:45Z7.04%
2026-10-31 11:30Z7.06%
2026-10-31 10:15Z7.05%
2026-10-31 09:00Z7.01%
2026-10-31 07:45Z6.97%
2026-10-31 06:30Z6.85%
2026-10-31 05:15Z7.03%
2026-10-31 04:00Z6.90%
2026-10-31 02:45Z6.60%
2026-10-31 01:30Z6.50%
2026-10-31 00:15Z6.72%
2026-10-30 23:00Z7.27%
2026-10-30 21:45Z5.28%
2026-10-30 20:30Z14.99%
2026-10-30 19:15Z14.99%
2026-10-30 18:00Z14.99%
2026-10-30 16:45Z14.99%
2026-10-30 15:30Z14.99%
2026-10-30 14:15Z14.99%
2026-10-30 13:00Z14.99%
2026-10-30 11:45Z14.99%
2026-10-30 10:30Z14.98%
2026-10-30 09:15Z14.99%
2026-10-30 08:00Z14.98%
2026-10-30 06:45Z14.99%
2026-10-30 05:30Z14.99%
2026-10-30 04:15Z14.99%
2026-10-30 03:00Z14.99%
2026-10-30 01:45Z14.99%
2026-10-30 00:30Z13.81%
2026-10-29 23:15Z14.98%

Withdrawable now

what could leave this minute
$-6.78M$28.26M$63.31M29 Oct · $114,79830 Oct · $2,881,81030 Oct · $1030 Oct · $15230 Oct · $116,52830 Oct · $11630 Oct · $29,02830 Oct · $630 Oct · $14,16330 Oct · $7,49330 Oct · $030 Oct · $230 Oct · $230 Oct · $030 Oct · $130 Oct · $3,29030 Oct · $1,38830 Oct · $030 Oct · $28,623,20030 Oct · $30,744,55331 Oct · $30,872,16731 Oct · $31,484,81731 Oct · $31,213,09531 Oct · $29,391,85031 Oct · $30,436,86131 Oct · $30,174,23031 Oct · $29,402,31931 Oct · $29,287,08031 Oct · $29,376,11131 Oct · $29,268,03731 Oct · $29,971,12131 Oct · $30,478,58231 Oct · $29,206,80431 Oct · $27,848,46731 Oct · $27,934,70431 Oct · $27,978,98831 Oct · $27,995,60831 Oct · $28,044,60031 Oct · $27,971,0331 Nov · $29,417,6891 Nov · $29,340,0571 Nov · $29,197,9621 Nov · $29,165,6891 Nov · $28,961,9701 Nov · $29,222,6451 Nov · $29,244,2191 Nov · $29,479,6091 Nov · $29,510,6581 Nov · $29,686,1341 Nov · $31,183,1441 Nov · $31,288,2821 Nov · $31,432,0121 Nov · $32,304,2611 Nov · $30,923,1101 Nov · $31,387,3151 Nov · $31,581,2881 Nov · $31,876,5851 Nov · $32,865,0921 Nov · $32,912,0012 Nov · $34,220,5162 Nov · $34,395,4832 Nov · $33,787,4982 Nov · $33,969,4662 Nov · $34,165,5312 Nov · $35,171,8202 Nov · $34,871,2452 Nov · $34,274,1012 Nov · $34,114,9682 Nov · $34,978,2122 Nov · $33,989,0872 Nov · $33,736,5312 Nov · $32,402,2322 Nov · $34,126,3502 Nov · $32,255,2292 Nov · $32,095,8902 Nov · $29,675,6052 Nov · $29,443,3182 Nov · $28,522,5853 Nov · $56,526,6073 Nov · $55,530,3743 Nov · $54,526,7473 Nov · $53,930,0563 Nov · $40,655,2793 Nov · $40,668,6913 Nov · $42,122,9263 Nov · $43,108,3943 Nov · $44,143,9473 Nov · $44,283,7983 Nov · $44,018,9533 Nov · $42,836,7663 Nov · $43,286,6483 Nov · $43,174,0323 Nov · $43,060,0123 Nov · $43,013,5133 Nov · $43,192,4643 Nov · $43,955,9733 Nov · $43,872,7294 Nov · $43,939,1574 Nov · $43,380,7524 Nov · $43,063,6614 Nov · $42,716,68929 Octnow · $42.72M
Every reading behind this chart
Read atWithdrawable now
2026-11-04 04:00Z$42,716,689
2026-11-04 03:00Z$43,063,661
2026-11-04 01:45Z$43,380,752
2026-11-04 00:30Z$43,939,157
2026-11-03 23:15Z$43,872,729
2026-11-03 22:00Z$43,955,973
2026-11-03 20:45Z$43,192,464
2026-11-03 19:30Z$43,013,513
2026-11-03 18:15Z$43,060,012
2026-11-03 17:00Z$43,174,032
2026-11-03 15:45Z$43,286,648
2026-11-03 14:30Z$42,836,766
2026-11-03 13:15Z$44,018,953
2026-11-03 12:00Z$44,283,798
2026-11-03 10:45Z$44,143,947
2026-11-03 09:30Z$43,108,394
2026-11-03 08:15Z$42,122,926
2026-11-03 07:00Z$40,668,691
2026-11-03 05:45Z$40,655,279
2026-11-03 04:30Z$53,930,056
2026-11-03 03:15Z$54,526,747
2026-11-03 02:00Z$55,530,374
2026-11-03 00:45Z$56,526,607
2026-11-02 23:30Z$28,522,585
2026-11-02 22:15Z$29,443,318
2026-11-02 21:00Z$29,675,605
2026-11-02 19:45Z$32,095,890
2026-11-02 18:30Z$32,255,229
2026-11-02 17:15Z$34,126,350
2026-11-02 16:00Z$32,402,232
2026-11-02 14:45Z$33,736,531
2026-11-02 13:30Z$33,989,087
2026-11-02 12:15Z$34,978,212
2026-11-02 11:00Z$34,114,968
2026-11-02 09:45Z$34,274,101
2026-11-02 08:30Z$34,871,245
2026-11-02 07:15Z$35,171,820
2026-11-02 06:00Z$34,165,531
2026-11-02 04:45Z$33,969,466
2026-11-02 03:30Z$33,787,498
2026-11-02 02:15Z$34,395,483
2026-11-02 01:00Z$34,220,516
2026-11-01 23:45Z$32,912,001
2026-11-01 22:30Z$32,865,092
2026-11-01 21:15Z$31,876,585
2026-11-01 20:00Z$31,581,288
2026-11-01 18:45Z$31,387,315
2026-11-01 17:30Z$30,923,110
2026-11-01 16:15Z$32,304,261
2026-11-01 15:00Z$31,432,012
2026-11-01 13:45Z$31,288,282
2026-11-01 12:30Z$31,183,144
2026-11-01 11:15Z$29,686,134
2026-11-01 10:00Z$29,510,658
2026-11-01 08:45Z$29,479,609
2026-11-01 07:30Z$29,244,219
2026-11-01 06:15Z$29,222,645
2026-11-01 05:00Z$28,961,970
2026-11-01 03:45Z$29,165,689
2026-11-01 02:30Z$29,197,962
2026-11-01 01:15Z$29,340,057
2026-11-01 00:00Z$29,417,689
2026-10-31 22:45Z$27,971,033
2026-10-31 21:30Z$28,044,600
2026-10-31 20:15Z$27,995,608
2026-10-31 19:00Z$27,978,988
2026-10-31 17:45Z$27,934,704
2026-10-31 16:30Z$27,848,467
2026-10-31 15:15Z$29,206,804
2026-10-31 14:00Z$30,478,582
2026-10-31 12:45Z$29,971,121
2026-10-31 11:30Z$29,268,037
2026-10-31 10:15Z$29,376,111
2026-10-31 09:00Z$29,287,080
2026-10-31 07:45Z$29,402,319
2026-10-31 06:30Z$30,174,230
2026-10-31 05:15Z$30,436,861
2026-10-31 04:00Z$29,391,850
2026-10-31 02:45Z$31,213,095
2026-10-31 01:30Z$31,484,817
2026-10-31 00:15Z$30,872,167
2026-10-30 23:00Z$30,744,553
2026-10-30 21:45Z$28,623,200
2026-10-30 20:30Z$0
2026-10-30 19:15Z$1,388
2026-10-30 18:00Z$3,290
2026-10-30 16:45Z$1
2026-10-30 15:30Z$0
2026-10-30 14:15Z$2
2026-10-30 13:00Z$2
2026-10-30 11:45Z$0
2026-10-30 10:30Z$7,493
2026-10-30 09:15Z$14,163
2026-10-30 08:00Z$6
2026-10-30 06:45Z$29,028
2026-10-30 05:30Z$116
2026-10-30 04:15Z$116,528
2026-10-30 03:00Z$152
2026-10-30 01:45Z$10
2026-10-30 00:30Z$2,881,810
2026-10-29 23:15Z$114,798

Dependencies

What would
have to fail.

Two positions that name the same failure point fail together, however different they look.

Shared failure points

Jupiter Lend

Who can change the programs

Upgradeable · 12h time lock · 4 of 6 signers

jup3Ye…ndc9jupeiU…3wZC

What prices the collateral

Collateral behind this source, its share, and what prices it
JLP41.2%Chainlink
WSOL16.7%Chainlink
JupSOL16.5%Chainlink
sUSDai12.8%Chainlink
PST5.1%nothing outside the protocol
dfdvSOL2.0%Chainlink

Getting out

How you leave.

  • Redeemable at its stated value.
  • $42,704,511 could be withdrawn right now.

Who may hold it

Who it turns away.

  • Not available to residents of: the United States, China, Taiwan, Singapore, Myanmar, Côte d’Ivoire, Cuba, the Democratic Republic of the Congo, Iran, Iraq, Libya, Mali, Nicaragua, North Korea, Somalia, Sudan, Syria, Yemen, Zimbabwe.
  • These are the source's own terms, read from its documents. Ventura applies them, it does not grant them.

Audits · read 2026-10-13

What the audits found,
and what they read.

Is the code running now the code they read? No. Liquidity was upgraded five times and Earn twice after the last published report that read them (Certora, 2026-03-30). Jupiter publishes no source for the running code, and no build is verified.

15 reports found 7 critical and 6 high issues. 35 findings were acknowledged or left open, and some reports do not say.

Every published audit of this source, what it read and what it found
ReadByEndedVersionFound C / H / M / L / INot fixed
Liquidity, LendingAuditOffside Labs2025-07-1824751510 / 0 / 5 / 3 / 53
Every programAuditZenith2025-07-31d2f9a016 / 3 / 16 / 28 / 1211
Vaults, Oracle, RewardsAuditOffside Labs2025-08-0459dc5520 / 1 / 2 / 1 / 53
VaultsAuditMixBytes2025-10-14ea55b3f to 64f85280 / 0 / 0 / 3 / 00
Oracle, FlashloanAuditOffside Labs2025-10-19c0d63a40 / 0 / 0 / 1 / 11
Every program but Lending and RewardsAuditOtterSec2025-11-01f3d0b481 / 0 / 1 / 2 / 62
Lending, RewardsAuditOtterSec2025-11-201c0bba00 / 0 / 0 / 0 / 20
Liquidity, Vaults, LendingFormal verificationCertora2025-12-017069f550 / 0 / 11 / 3 / 11
Every programContestCode4rena2026-03-13626b177, the public snapshot0 / 0 / 3 / 12 / 0not stated
Liquidity, Vaults, LendingFormal verificationCertora2026-03-30b4927b60 / 0 / 4 / 3 / 86
AMM, Oracle, math libraryAuditZenith2026-05-11c724a7d0 / 2 / 3 / 7 / 63
AMMAuditNeodyme2026-06-03fc533d70 / 0 / 0 / 1 / 00
AMMAuditOtterSec2026-06-04c800d0b0 / 0 / 1 / 2 / 23
Vaults with the AMMAuditOtterSec2026-06-173daf5060 / 0 / 2 / 3 / 22
Keys and process, no codeAuditNeodyme2026-06operational security0 / 0 / 0 / 0 / 00

The programs a deposit runs through

Each program, when it was last upgraded, and whether an audit read that code
ProgramLast upgradedUpgrades after its last auditVerified buildSince 2026-10-13
Lending (Earn)jup3Ye…ndc92026-10-062noneNo upgrade since
LiquidityjupeiU…3wZC2026-10-065noneNo upgrade since
Rewards rate modeljup7Tt…UKar2026-10-061noneNo upgrade since

Control

Who can stop
a withdrawal.

Every power the review found over this source: who holds it, how many signatures it takes, and how long it waits. The marked rows can stop money leaving.

Who can change or stop this source, with how many signatures and what delay
PowerHeld bySignaturesDelayUsed
Pause Earn's USDC, which stops deposits and withdrawalsCan stop withdrawalsProgram Multisig II (B9fG…)3 of 5nonePaused 5 tokens and 1 position, on 2 days; never USDC
Lock every operation in LiquidityCan stop withdrawalsProgram Multisig (5Y93…)5 of 86 hNever
Withdrawal limits, rate curve, fee, maximum utilizationProgram Multisig (5Y93…)5 of 86 hEarn's limit 5 times, the USDC curve 7 times; 2 more of each by B9fG in 2025
Upgrade all seven programsUpgrade multisig (J3mJ3…)4 of 612 hYes, most recently 2026-10-06
Fund rewards, collect revenueOps multisig (Eh6k…)3 of 6noneNot checked

Right now, read from the chain: is this so?

  • Every operation in Jupiter Lend's Liquidity is locked No
  • USDC is locked down in Jupiter Lend's Liquidity No
  • Earn's USDC position in Liquidity is paused No

Bug bounty: None running. Jupiter's bug bounty page reads "currently paused".

History

What has
gone wrong.

  • 2025-12-06

    Jupiter acknowledged its 'zero contagion' claim between vaults was not fully correct: the shared liquidity layer rehypothecates deposits. No losses. Source

Evidence

Everything this profile
was written from.

7 documents, read by hand for the review on 2026-09-15.

Already holding it?

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