Coalesce Finance Documentation
Welcome to the official documentation for Coalesce Finance: a fixed-rate, fixed-term lending protocol built on Solana.
Getting Started
- Get a Solana wallet. Phantom is recommended.
- Add USDC to your wallet. All lending on Coalesce Finance is done in USDC.
- Add SOL to your wallet. For transaction fees.
0.01 SOLis enough. - Connect to Coalesce Finance. Visit the app and connect your wallet.
- Choose a market. Review terms and deposit.
What Makes Coalesce Different
| Feature | Coalesce Finance | Variable-Rate Protocols |
|---|---|---|
| Interest Rate | Fixed | Changes constantly |
| Term | Fixed maturity date | Open-ended |
| Collateral | None (credit-based) | Required |
| Borrower Access | Whitelisted only | Permissionless |
Core Concepts
| Concept | Description |
|---|---|
| Loan | A market created by a borrower with fixed terms |
| Scale Factor | Tracks interest accrual (shares → USDC conversion) |
| Settlement | Process of determining lender payouts at maturity |
| Whitelist | Approved borrowers who can access funds |
User Guides
- How It Works — Core concepts explained
- For Lenders — Earning yield
- For Borrowers — Accessing capital
Technical Documentation
- Architecture — System design
- SDK Guide — TypeScript, Python, and Rust SDKs
- API Reference — REST endpoints
- Program Error Codes — Program error catalog
- Protocol Calculations — Interest, settlement, and fee math
Where To Find Technical Reference
For protocol internals, start with Architecture, then use Program Error Codes for runtime failures and Protocol Calculations for interest, settlement, and fee math.
Getting Help
- Documentation — You're here!
- Security — To report a vulnerability, email security@coalescefi.com. Please do not create public GitHub issues for security concerns. Allow 90 days for remediation before public disclosure.