Lend. Borrow.
Stake & Earn
on TRON

JustLend DAO is the #1 decentralized money market protocol built natively on the TRON blockchain. It enables users to supply crypto assets to earn yield, borrow against collateral, stake TRX for energy and bandwidth rewards, and participate in cross-chain DeFi. The protocol is fully governed by JST token holders through on-chain DAO voting, making JustLend DAO one of the most community-driven DeFi platforms in the world.

JustLend Staking allows users to lock TRX for a chosen duration (3, 14, 30, or 90 days) to receive sTRX tokens, earn APY of up to 18.4%, accumulate TRON Energy and Bandwidth for free transactions, and receive JST governance rewards. When you stake TRX on JustLend DAO, your tokens are locked in a non-custodial smart contract and sTRX represents your staked position 1:1, redeemable at maturity.

JustLend DAO currently offers up to 18.4% APY on TRX staking (90-day lock), up to 9.2% on USDT TRC20 supply, up to 14.6% on SUN token deposits, and up to 12.1% on JST supply. Rates fluctuate based on market utilization and DAO-set parameters. The highest APYs are typically found on native TRON assets and longer lock durations in the JustLend Staking module.

Click the "Connect Wallet" button in the top-right corner of the JustLend DAO interface. For TRON-native operations (staking, TRON lending, TRC20 swaps), select TronLink or TokenPocket. For cross-chain actions involving Ethereum or BNB Chain assets, you can also connect MetaMask or any WalletConnect-compatible wallet. Once connected, your portfolio, balances, and available markets appear automatically.

sTRX (staked TRX) is the receipt token issued by JustLend DAO when you stake TRX. Each sTRX represents exactly one staked TRX plus accrued rewards. sTRX is a standard TRC20 token, meaning it can be held, transferred, or used in other JustLend DAO pools while your underlying TRX earns staking APY. Upon unstaking, sTRX is burned and TRX plus rewards is returned to your wallet.

JustLend DAO supports supplying TRX, USDT (TRC20), USDC (TRC20), JST, SUN, BTT, WIN, NFT, WBTC (TRC20), ETH (TRC20), BNB (TRC20), and several other TRC20 assets. New markets are added through DAO governance proposals. All supplied assets immediately begin earning variable APY paid in the same asset.

To borrow on JustLend DAO, first supply a supported asset as collateral. Each asset has a Collateral Factor (e.g., TRX at 75% means you can borrow up to 75% of your TRX value). Then select the asset you want to borrow and confirm the transaction. Borrowed amounts accrue interest every TRON block. If your borrow balance approaches the liquidation threshold, JustLend DAO's automated liquidators will partially repay your debt to keep the protocol solvent.

JST (JUST token) is the governance token of the JustLend DAO ecosystem. JST holders can propose and vote on protocol parameters including interest rate models, collateral factors, new asset listings, and treasury allocations. JST is also distributed as staking and supply rewards on JustLend DAO, and can itself be supplied to JustLend markets to earn additional APY. JST is a TRC20 token on the TRON blockchain.

JustLend DAO is audited by Certik, SlowMist, and Trail of Bits — three of the leading smart contract security firms in the industry. The protocol has maintained over $6.8B in TVL without a single exploit. It is fully non-custodial: your funds remain under your wallet's control until you explicitly initiate a transaction. Over-collateralization and automated liquidation engines protect lenders from bad debt.

JustLend DAO's integrated bridge lets users move assets from Ethereum, BNB Chain, Polygon, Arbitrum, Optimism, Avalanche, Solana, Cosmos and 12+ other networks directly into TRON-native TRC20 tokens, which are then immediately usable in JustLend DAO markets. Bridge transactions are atomic — if the cross-chain transfer fails, funds are automatically returned to the origin wallet.

On TRON, every smart contract call requires Energy to execute. Instead of burning TRX to pay for energy, users can stake TRX on JustLend DAO to freeze TRX for Energy. The JustLend staking contract allocates proportional Energy to your address based on your staked amount relative to the total staked pool. This means regular JustLend DAO users can interact with smart contracts for near-zero cost while also earning staking APY.

JustLend DAO is compatible with TronLink (recommended for TRON-native operations), TokenPocket, BitKeep, imToken, Trust Wallet (TRC20), MetaMask (for cross-chain bridge operations), WalletConnect (200+ wallets), and Ledger hardware wallets via TronLink. For the best JustLend staking experience, TronLink browser extension or TronLink mobile app is recommended.

JustLend DAO does not charge supply fees. Borrowing incurs an interest rate set by the DAO's rate model (typically 2–12% APR depending on asset utilization). Staking has no protocol fee — all staking APY is passed directly to users. TRON network fees (Energy/Bandwidth) for JustLend DAO transactions are extremely low, often under $0.01. Bridge fees vary by destination chain and are displayed before confirmation.

JustLend Staking offers both flexible and fixed-term options. Flexible staking (no lock) allows withdrawal at any time at a lower APY. Fixed-term staking (14, 30, 90 days) offers higher APY but locks your TRX for the chosen duration. Early withdrawal from a fixed term is possible subject to an early exit penalty defined in the JustLend DAO governance parameters, which is currently set to forfeiture of accrued rewards.

JustLend DAO governance works through on-chain proposals. Any wallet holding at least 100,000 JST can submit a governance proposal. Proposals enter a 3-day voting period where JST holders vote For or Against. A proposal passes if it reaches quorum (minimum 10M JST votes) and majority support. After a 2-day timelock, changes are automatically applied to the JustLend DAO protocol by the governance smart contract. No multisig or team veto exists.

JustLend DAO is built natively on TRON, giving it near-zero transaction fees (under $0.01 vs $10–$50 on Ethereum-based protocols), 3-second finality, and deep integration with TRON's energy/bandwidth staking system. Unlike Aave or Compound, JustLend DAO also includes an integrated cross-chain bridge, DEX swap aggregator, and native TRX staking — making it a full-stack DeFi platform rather than a standalone lending protocol.

JustLend DAO uses pooled lending markets rather than peer-to-peer matching. When you supply an asset, your tokens join a shared pool available to all borrowers. Interest earned by borrowers is distributed pro-rata to all suppliers in the pool. This ensures continuous liquidity — suppliers can typically withdraw at any time as long as pool utilization allows. JustLend DAO also offers concentrated liquidity pools for DEX-style LP positions with additional fee revenue.

The Collateral Factor on JustLend DAO determines the maximum borrow amount relative to supplied collateral. For example, TRX has a 75% collateral factor — supply 1,000 TRX worth $125, and you can borrow up to $93.75 in other assets. USDT has a higher collateral factor of 85% due to its stability. Volatile assets like BTT may have lower factors (50–60%). Collateral factors are set and adjusted by JustLend DAO governance.

If a borrower's health factor drops below 1 (meaning their debt value approaches their collateral value), JustLend DAO allows third-party liquidators to repay up to 50% of the outstanding borrow in exchange for the borrower's collateral at a 5–10% discount (the liquidation incentive). This mechanism ensures lenders are always protected. Borrowers receive on-chain warnings well before liquidation via health factor monitoring in the JustLend DAO interface.

Bandwidth on TRON is used for TRX transfers and TRC20 token transfers. Each account receives 1,500 free bandwidth per day. For heavy users making many transfers, staking TRX on JustLend DAO for Bandwidth allocates additional bandwidth proportional to your stake, eliminating TRX burn fees for standard transfers. Combined with Energy from JustLend staking, power users can operate on TRON at near-zero cost.

No. JustLend DAO is a fully decentralized protocol — no account registration, no email address, no KYC, and no identity verification of any kind. Simply connect your crypto wallet and interact directly with the smart contracts. This is a core principle of the JustLend DAO philosophy: open access to financial services for anyone, anywhere, with just an internet connection and a TRON wallet.

JustLend DAO uses an algorithmic interest rate model tied to pool utilization. As more of a pool is borrowed (higher utilization), borrow APR increases to incentivize new suppliers and discourage additional borrowing. At low utilization, rates are low to encourage borrowing. The model has a "kink" at optimal utilization (typically 80%) where rates sharply increase above this point. All rate model parameters are set by JustLend DAO governance vote.

Yes. JustLend DAO distributes JST governance tokens as liquidity mining rewards to active protocol participants. Both suppliers and borrowers earn JST proportional to their market share. JST rewards are claimable directly from the JustLend DAO dashboard at any time and automatically accrue with every TRON block. These rewards are on top of the base supply APY, significantly boosting overall yield for active JustLend DAO users.

The Reserve Factor is the percentage of borrower interest that JustLend DAO retains in its protocol reserve rather than distributing to suppliers. Typically set at 10–20% per asset by DAO governance, reserves act as an insurance buffer against bad debt. JustLend DAO reserves are controlled entirely by the DAO — the community can vote to deploy, redistribute, or grow reserves through governance proposals.

JustLend DAO runs on TRON, which has 3-second block finality — one of the fastest among major blockchains. Supply, borrow, stake, and repay transactions confirm in under 5 seconds. Cross-chain bridge transactions to/from Ethereum or BNB Chain typically take 2–15 minutes depending on the origin chain's finality. This speed advantage over Ethereum-based lending protocols makes JustLend DAO the most responsive DeFi experience available.

Yes. JustLend DAO's web interface is fully mobile-responsive and works in any mobile browser. The easiest mobile experience is using the TronLink mobile app (iOS and Android), which has a built-in DApp browser. Open JustLend DAO inside TronLink's browser for a native mobile staking, lending, and borrowing experience. TokenPocket and BitKeep mobile wallets also support JustLend DAO via their integrated DApp browsers.

JustLend DAO is non-custodial — your positions are tied entirely to your wallet address, not an account on any server. If you lose access to your wallet, recovering your seed phrase is the only way to restore access. JustLend DAO support cannot recover lost funds or grant access to any wallet. This is why it is critical to safely store your TronLink or compatible wallet seed phrase before using JustLend DAO staking or lending.

JustLend DAO has over $6.8 billion in Total Value Locked (TVL), making it consistently one of the top 5 DeFi protocols globally by TVL. The majority of TVL is concentrated in the USDT TRC20 and TRX markets, reflecting TRON's position as the dominant chain for USDT circulation (over 60% of global USDT is on TRON). TVL data is tracked in real time on DeFiLlama and TRONSCAN.

Yes. Beyond lending markets, JustLend DAO offers concentrated liquidity AMM pools for token pairs like TRX/USDT, JST/TRX, SUN/USDT and others. Liquidity providers earn swap fee revenue (0.01%–0.3% per trade) plus JST rewards. Providing liquidity to JustLend DAO pools requires equal value of both pool tokens. LP positions are represented by NFT receipts that can be managed, adjusted, or withdrawn at any time.

JustLend DAO uses TRON's native oracle infrastructure and time-weighted average price (TWAP) feeds rather than spot prices for collateral valuation, making price manipulation via flash loans economically infeasible. Additionally, JustLend DAO smart contracts include reentrancy guards and circuit breakers that pause markets if anomalous activity is detected. These measures have successfully protected JustLend DAO from all flash loan manipulation attempts.

JustLend Staking offers four lock-up tiers: 3 Days (entry-level APY), 14 Days (standard APY, most popular), 30 Days (enhanced APY + bonus Energy), and 90 Days (maximum APY of up to 18.4% + maximum Energy allocation). Longer lock-up durations on JustLend DAO deliver significantly higher yields and energy rewards, incentivizing long-term TRX commitment to the protocol's liquidity base.

Yes. All JustLend DAO smart contracts are open-source and verifiable on TRONSCAN. The front-end interface code is available on GitHub. Smart contract addresses are published in the official JustLend DAO documentation. This transparency allows independent developers and security researchers to audit, verify, and build on top of JustLend DAO's infrastructure without requiring permission from any centralized entity.

The JustLend DAO dashboard provides a real-time portfolio view showing your total supplied value, total borrowed, net APY, accrued JST rewards, staking positions, and health factor — all in one screen after connecting your wallet. You can also track all JustLend DAO transactions on TRONSCAN by searching your wallet address. Third-party portfolio trackers like DeBank and Zapper also index JustLend DAO positions automatically.

JustLend DAO runs an active bug bounty program on Immunefi with rewards up to $500,000 for critical smart contract vulnerabilities. Security researchers who discover and responsibly disclose bugs in JustLend DAO's core contracts are rewarded in USDT on TRON. The program covers all JustLend DAO lending, staking, pool, and bridge contracts. Details are available on the official JustLend DAO security page and Immunefi's platform.