Free
One wallet signature. No gas, no rent, no fees.
Nothing locked
Your funds stay in your wallet the whole time.
No commitment
You choose whether to fill a matching offer, or ignore it.
Intents and offers
| Offers | Intents | |
|---|---|---|
| Where they live | Onchain | Off-chain |
| Cost to create | Network fees and account rent | Free, one wallet signature, no gas |
| Funds | Required to fill the offer | Never locked |
| Can be filled directly | Yes | No |
| Loan duration | 1 to 30 days | 1 to 90 days |
| Offer expiration | Lend offers: 24 hours. Borrow offers: 1 to 7 days | Expires automatically if not cancelled |
How matching works
When you post an intent, Offerbook continuously compares it against live onchain offers. An offer matches your intent when all four criteria hold:| Criterion | Tolerance |
|---|---|
| Token pair | Exact match: same lent token and same collateral token |
| APY | Within 10% of your intent’s annual percentage yield (APY) |
| LTV | Within 10% of your intent’s loan-to-value (LTV) ratio |
| Duration | Within one day of your intent’s duration |
Posting an intent
You can open the intent form with the Post an Intent button, available on the Borrow and Lend views of the Tokens and Collectibles sections.Choose your side
Select Lend or Borrow at the top of the form. As a lender, you set the token you lend and the collateral you want to receive. As a borrower, you set the collateral you lock and you receive the borrowed token.The form also lists the most used collateral assets, with their recent loan volume, to help you pick a market that is actually active.
Set your amount
Enter the amount on your side of the trade: the amount you lend as a lender, or the collateral amount you lock as a borrower. Half and Max shortcuts use your wallet balance.The amount on the other side is calculated automatically from the LTV you set, using current prices, and is labelled “set by LTV” in the form.
Set your terms
Three fields define the loan you are advertising:
| Parameter | Range | Description |
|---|---|---|
| LTV | 1% to 95% | Ratio between the borrowed value and the collateral value |
| APY | No fixed range in the form | Annual rate you offer or request |
| Duration | 1 to 90 days | Length of the advertised loan |
Posting several intents at once
The Add intent button stacks additional intent lines in the same form, each with its own asset pair, amount and terms. The whole batch is posted with a single signature, up to 20 intents at a time.Where your intent appears
Once posted, your intent is public:- Other users see it on the Tokens Borrow and Lend views, where assets with active intents carry an intent badge and the advertised liquidity shows in the Available column alongside onchain offers
- The Statistics page counts it in the Advertised Intents card
- You manage it from Positions > Intents
Acting on someone else’s intent
Intents cannot be filled directly. To act on an intent, create a regular onchain offer with the same token pair and terms close to the advertised ones. Once your offer is onchain, it surfaces automatically in the intent creator’s dashboard, and they can fill it through the standard flow. Keep your terms within the matching tolerances. If your offer drifts further from the intent’s terms, it stops being surfaced to the intent creator, although it remains a normal offer that anyone can browse and fill.Managing your intents
Your intents live under Positions > Intents. While an intent is active you can edit its terms or cancel it at any time. Each change requires a wallet signature, and like posting, it is free. An intent has one of three statuses:| Status | Meaning |
|---|---|
| Active | Live and visible to the market. Can be edited or cancelled |
| Cancelled | Removed by you. Terminal |
| Expired | Reached its expiration without being cancelled. Terminal |
Intent costs
Intents are entirely free. Posting, editing and cancelling an intent involve no network fees, no account rent and no protocol fees, because nothing happens onchain. Protocol fees only apply later, if a matching offer turns into an actual loan, under the standard fee schedule described in Fees and Costs.For large intents, around $100,000 in value or more, Offerbook verifies that your wallet and escrow balances actually hold the relevant asset before accepting the intent. Smaller intents are accepted without a balance check.