Teller DeFi Protocol

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Teller brings traditional lending and decentralized finance together, offering access to personal and business loans, crypto-backed borrowing, onchain lending markets and AI-powered financial services. Through Teller Pro, users can borrow against digital assets, earn interest by supplying liquidity and manage their finances across multiple blockchains.

💸 Lending, Borrowing and Earning Yield on Teller

The Teller Pro platform provides access to several financial products:

➜ No-Collateral Loans: Pre-qualify for personal, business, home and auto loans through traditional lending partners, with offers matched to users based on their location and eligibility.

➜ Asset-Backed Borrowing: Borrow USDC against cryptocurrencies, tokenized stocks and other supported assets without selling them. Loans have fixed terms and no mid-term margin calls, although missed repayment deadlines can result in collateral liquidation.

➜ Earn Yield: Supply assets to isolated lending pools and earn variable interest based on borrowing activity, with rates and withdrawal conditions determined by each pool.

➜ Referral Commissions: Earn 1% when referred users take qualifying crypto-backed loans, with commissions paid directly to the connected wallet.

➜ Teller Score: Earn Points through swaps, borrowing, partner offers and referrals to unlock collateral-free USDC loans at 0% interest for 30 days. Each Point represents $1 in potential borrowing capacity, subject to eligibility and verification.

Teller Score provides access to additional borrowing capacity rather than direct financial rewards. Points have no cash value, and no airdrop or Points-to-token conversion has been announced.

Teller also supports cross-chain swaps, portfolio management and tokenized US real estate, with each property held through a dedicated LLC and represented by a single ownership token.

Its AI integration, Debit AI, enables automated trading, lending, borrowing and portfolio strategies through configurable financial agents. The ecosystem includes $DEBIT, a BNB Chain utility token used for AI-agent credits and accepted as collateral for eligible lending markets.

The company was founded in 2019 by Ryan Berkun, who previously founded Fabrx, and is based in the United States. It has secured funding from prominent investors, as reported by PRWeb. The protocol has also undergone multiple security audits by Sherlock.

Blockchain DEBIT

Rank #965

Total supply 100,000,000

Market Cap $15,737,965.00

24h Volume $3,292,508.00

Teller DeFi Protocol

$0.91 ↓ 4.8%

DeFi Yield Protocol 💵

Onchain Credit│No-Collateral Loans

Blockchain

Multiple EVM Networks

Step by step guide Teller DeFi Protocol

Get Started on Teller Pro
Visit Teller Pro and Sign In to access the platform.
→ Choose a supported login method, including email, Google, Telegram or a crypto wallet.
→ Explore the Home dashboard to view available financial services.
💡 Available financial products depend on your location and eligibility.
Explore Lending, Borrowing and Yield Opportunities
Use the Borrow, Earn, RWA and Agents sections to explore Teller Pro’s financial services.
→ No-Collateral Loans: Open Borrow → No collateral to pre-qualify for personal, business, home or auto loans from participating lenders.
↳ Complete the eligibility form to check available offers based on your location, income and credit profile.
→ Asset-Backed Borrowing: Select a supported cryptocurrency, tokenized stock or other asset under Borrow to explore collateral-backed loans.
↳ Compare APR, loan-to-value ratio (LTV) and repayment terms before borrowing.
→ Earn Yield: Open Earn to browse isolated lending pools across supported networks.
↳ Compare APY, utilization, available liquidity and collateral before supplying assets.
→ Real-World Assets (RWA): Open RWA to explore tokenized US real estate.
↳ Review property details, ownership structure and purchase conditions before placing a bid or buying.
→ AI Agents: Open Agents to explore automated strategies for trading, yield management, borrowing, repayments and portfolio rebalancing.
↳ Select a ready-made strategy or create your own, set spending limits and permitted actions, and connect a supported AI assistant through Debit MCP.
💡 Traditional loan applications may require identity verification (KYC), credit checks and financial information, depending on the lender. Crypto-backed borrowing generally uses a connected wallet, while collateral-free loans through Teller Score require identity verification and eligibility checks. Crypto loans carry liquidation risks, and lending pools involve variable yields and potential capital losses.
🧠 You can also use Debit AI, Teller’s noncustodial AI-powered financial agent, to execute swaps and automate onchain strategies through ChatGPT, Claude and other AI assistants. New users can claim 100 free debits after connecting a wallet. These are AI usage credits, separate from $DEBIT, the utility token used to power agent activity and access staking benefits.
Build Your Teller Score and Earn Referral Commissions
Visit Teller Score to track your Points and available borrowing capacity.
→ Swap: Earn Points through eligible token swaps.
→ Borrow: Increase your Score through qualifying crypto-backed loans.
→ Apply: Complete eligible financial partner offers to collect Score bonuses.
→ Refer: Invite users and earn Points when referral requirements are met.
↳ Visit Referrals to generate your referral link and earn a separate 1% commission when referred users take qualifying crypto-backed loans.
💡 Each Teller Score Point represents $1 in potential collateral-free USDC borrowing at 0% interest for 30 days, subject to eligibility and verification. Points have no cash value, and no new airdrop for current Score activity has been confirmed.
🪂 Holders of Fortune Teller NFTs from the original collection and V2 collection were included in the historical $DEBIT airdrop distribution, alongside previous Teller Points holders.

* Teller combines traditional lending, decentralized finance and AI-powered financial tools, offering opportunities to borrow, earn yield and manage digital assets. Users can also build their Teller Score, earn referral commissions and claim free Debit AI credits, while considering the risks and eligibility requirements of each service. Follow @useteller on 𝕏 for the latest updates.

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Teller Protocol FAQ

What is Teller, and how does it work?

Teller is an onchain lending protocol offering crypto-backed loans, isolated lending pools and access to traditional credit products through third-party lenders. Its Teller Pro platform also supports token swaps, real-world assets and AI-powered financial tools.

Can I borrow without collateral on Teller?

Yes. Teller offers two options: pre-qualification for traditional loans through lending partners and collateral-free USDC loans based on Teller Score. Traditional loans require lender approval, while Score-based loans offer 0% interest for 30 days, subject to eligibility and KYC.

How does Teller generate lending yield?

Users supply assets to isolated lending pools and earn interest from borrowing activity. APYs depend on borrower rates and pool utilization, so returns are variable. Withdrawals depend on available liquidity, and borrower defaults can cause losses.

Can my collateral be liquidated on Teller?

Yes. Crypto-backed loans have no mid-term margin calls, meaning price movements do not trigger liquidation while a loan remains current. However, failing to repay or roll over a loan by its deadline can result in liquidation of the full collateral.

What is Teller Score used for?

Teller Score determines potential collateral-free USDC borrowing capacity, with each Point representing $1 in borrowing power, up to the program's limits. Points can be earned through eligible swaps, borrowing, partner offers and referrals, but cannot be exchanged for cash.

Is there a Teller airdrop?

$DEBIT was previously allocated to eligible Teller Points participants and Fortune Teller NFT holders. However, no new airdrop or token conversion for the current Teller Score program has been confirmed.

How do Teller referrals work?

Teller offers Score bonuses for eligible referrals and a separate 1% commission when referred users take qualifying crypto-backed loans. Referral activity and commissions can be tracked through the Referrals dashboard.

Does Teller require KYC, and who can participate?

Requirements depend on the service. Traditional lending partners may require identity and financial verification, while Teller Score-based collateral-free loans require KYC. Other products have their own eligibility conditions, and availability varies by country, residency and applicable restrictions.

Airdrop Analyst, AirdropAlert

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