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Editorial policyResupply Protocol lets users borrow reUSD against yield-bearing stablecoin collateral at roughly half the collateral's yield rate — creating positive carry. Co-built by Convex and Yearn; collateral earns Convex-boosted CRV while loans are outstanding.
Resupply is a decentralized lending protocol that reimagines Infinite Banking on-chain — letting users borrow its native stablecoin reUSD at half the yield rate of their collateral, so growth can outpace borrowing costs.
Market context
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Resupply Protocol is a decentralized finance (DeFi) lending protocol built on Ethereum that reimagines the concept of Infinite Banking through blockchain technology and smart contracts. Traditional Infinite Banking allows individuals to borrow against whole life insurance cash value while that value keeps compounding — Resupply transplants this idea into the open, permissionless world of DeFi, replacing insurance policies with yield-bearing stablecoin collateral and smart-contract-enforced interest rates.
Resupply's defining innovation is a borrowing rate that is structurally set at half of the current lending rate of the deposited collateral. If a stablecoin like sfrxUSD offers 10% APY, Resupply allows holders to borrow its native stablecoin — reUSD — against that collateral at just 5%. The spread between what your collateral earns and what your loan costs creates a positive carry: your collateral grows faster than the debt accrues, enabling a self-sustaining financial cycle akin to Infinite Banking.
This mechanism reduces the need for intermediaries, lowers costs, and makes the entire process transparent and auditable on-chain.
The workflow is designed to be straightforward:
reUSD is Resupply's native overcollateralized stablecoin, pegged to the US dollar. A redemption mechanism helps maintain the peg and ensures protocol stability without relying purely on minting or burning — reducing risks associated with excessive leverage. Once minted, reUSD can be put to work in two primary ways within the ecosystem:
RSUP is Resupply's governance token, giving holders the ability to vote on protocol parameters, collateral types, fee structures, and emission distribution. Beyond governance, RSUP accrues protocol revenue: fees generated by borrowing activity flow back to RSUP stakers and Insurance Pool participants, aligning token holders with the long-term health of the protocol.
As of early 2025, RSUP staked amounts exceed 100% of market cap, reflecting strong community commitment to the protocol's governance and fee-sharing model.
The following metrics are sourced from DeFiLlama and reflect Resupply's on-chain performance. Data is approximate and subject to change.
Resupply Protocol brings an age-old wealth-building concept — Infinite Banking — into the decentralized finance era. By structurally pricing borrowing at half the yield of collateral, it creates a transparent, permissionless environment where users can access liquidity without sacrificing the growth of their assets. With a growing TVL, meaningful on-chain fee generation, and a governance model that funnels revenue back to token holders, Resupply represents a thoughtful evolution in DeFi lending design.
View live Resupply protocol data on DeFiLlama: defillama.com/protocol/resupply
FAQ
Resupply is a decentralized lending protocol that reimagines Infinite Banking on-chain — letting users borrow its native stablecoin reUSD at half the yield rate of their collateral, so growth can outpace borrowing costs.
Resupply Protocol? DeFi Protocol operates through smart contracts deployed on the Ethereum blockchain. Users interact directly with the protocol via a web interface or wallet integration — no account creation or KYC is required. All operations are settled on-chain and are publicly verifiable.
Resupply Protocol? DeFi Protocol has undergone smart contract audits and is among the more established protocols in DeFi. However, all DeFi protocols carry inherent risks including smart contract vulnerabilities, oracle failures, and liquidation risk. Users should only commit funds they can afford to lose and review the protocol's audit reports before participating.
Resupply Protocol? DeFi Protocol is primarily deployed on Ethereum. Many leading DeFi protocols are also expanding to Layer-2 networks such as Arbitrum, Optimism, and Base to reduce transaction costs and improve throughput.
Key risks include smart contract exploits, governance attacks, oracle manipulation, liquidity crises, and regulatory uncertainty. DeFi protocols are uninsured — losses from exploits are typically not recoverable. Always review audits and understand the mechanism before depositing funds.
To use Resupply Protocol? DeFi Protocol, you need a self-custody wallet (such as MetaMask or Rabby), ETH for gas fees, and the relevant tokens for the action you want to perform. Visit the official protocol interface, connect your wallet, and follow the on-screen steps. Start with a small amount to familiarise yourself with the UX.
Resupply Protocol? DeFi Protocol typically has a native governance token that allows holders to vote on protocol parameters, fee structures, and treasury allocations. Check the protocol's documentation for the current token ticker, total supply, and distribution schedule.
Resupply Protocol? DeFi Protocol was founded by a team of blockchain developers and DeFi researchers. The protocol is typically governed by a decentralised autonomous organisation (DAO), meaning ongoing development and parameter changes are decided collectively by token holders rather than a central company.
Resupply Protocol? DeFi Protocol's TVL fluctuates with market conditions and can be tracked in real time on DeFiLlama (defillama.com). TVL measures the total value of assets deposited into the protocol and is a key indicator of user confidence and liquidity depth.
Resupply Protocol? DeFi Protocol is differentiated by its specific mechanism, fee structure, and supported assets. Comparing protocols should include factors such as audited security posture, capital efficiency, governance maturity, cross-chain availability, and historical uptime. DeFiLlama and Dune Analytics provide side-by-side comparative data.
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