Votre

Votre is a non-custodial crypto lending platform built on Base. Its core business allows users to borrow against their crypto assets without selling them, using a specialized financial instrument called a Prepaid Variable Forward (PVF).

The key innovation is that Votre eliminates liquidation risk entirely. Instead of monitoring collateral prices and triggering liquidations, the platform uses market makers who hedge the volatility upfront. Borrowers receive a loan with a fixed repayment schedule, while the collateral is swapped into a stable asset at maturity. This means users can access high loan-to-value (LTV) ratios—up to 95%—without fear of forced liquidation, even in volatile markets.

The main market pain point Votre solves is the inefficiency and risk of traditional crypto lending. Conventional platforms like Aave or Compound rely on price-based liquidation, which can lead to sudden loss of collateral during market downturns. Votre replaces this with a time-based settlement mechanism, offering more predictable and secure borrowing. It also addresses capital inefficiency by allowing users to maintain exposure to their assets while borrowing against them, and provides a tax-advantaged alternative to selling assets.

In the past six months (March to September 2026), Votre has been operating in private beta on the Base network. The platform has processed over 293,000 vault interactions and secured $274 million in committed notional value. It has also expanded its documentation and clarified its mechanism, positioning itself as a safer alternative to existing lending protocols. No significant negative events have been reported during this period, though the platform remains in early stages with limited public availability.