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
Community#
- Telegram — Join t.me/coalescefi for lending opportunities and protocol updates.
Security#
The Coalesce Solana program was audited by kriko.eth in March 2026. The full report is available here. All findings were remediated and verified.
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.
Getting Help#
- Documentation — You're here!