The yield and borrow layer for Robinhood Stock Tokens: earn the fees, borrow at 4% not 21% on pools proven to pay
Your Apple and Palantir tokens should be working as hard as you do. Uptick turns an idle Stock Token into a position that earns the trading fees of its own stock, stays collateral you can borrow against, and comes back to you whenever you want it. We only open a vault where real trades prove holders keep the money.
Live on Robinhood Chain mainnet. 3,059,881 swaps replayed. 500+ holder and trader conversations. 50+ signed letters of intent.
Robinhood put real stocks onchain, and on 22 October it made them collateral on Morpho, saying any app can plug in. Robinhood Chain already holds $1.14B, $609.5M of it in Morpho. The eight largest Stock Tokens alone carry $66.7M of supply, and about $20.5M of that sits in personal wallets among their top 150 holders, earning exactly nothing. 189,012 wallets hold NVDA. 85,424 hold AAPL. That is the gap Uptick fills, on the week it opened.
Earn on the stock you already own. Keep your Apple or Palantir exposure and collect the trading fees its pool pays.
Know before you deposit. Every pool carries a door set by real trade data, so you never LP blind into a pool that bleeds.
Borrow without selling. Your vault share is an ERC-20 that works as collateral on Morpho, and it keeps earning while it is posted.
Hands off. No ranges to watch: a keeper re-centres every vault after the market closes.
Leave any time. Exit in kind returns your stock and USDG directly, with no oracle and no pause in the way.
One paste to start. Drop any wallet into /check and see what your tokens could earn and what your loan could cost.
The idle holder. 92 wallets hold $1,000 or more of Palantir or Apple today. We know each one onchain.
The manual LP. Traders already LP Stock Tokens by hand and lose to fast traders. Uptick picks the pool and the range for them.
The borrower. Stock Token loans on Robinhood Chain run at 21 to 27%. Our data shows them a route near 4.2%.
Apps and agents. 10 MCP tools let any wallet, app or AI agent scan, deposit, borrow and hedge through Uptick.
Big traders care about four things:
1. Cost of capital: what they pay to borrow.
2. Capacity: whether they can deploy size.
3. Liquidation risk: especially over weekends.
4. Effort: how much they have to manage.
Uptick cuts what big traders pay to borrow against Stock Tokens from 21% to 4%, and keeps it there.
"I'd have been massively profitable on RH chain if I had stuck to LP'ing tokenized stocks." @WazzCrypto, 62K followers
"The only thing I can think of right now that's missing are Earn Vaults for xStocks." @N0xxygen
"Putting tokenized stocks to work for yield is the feature I'd actually use." @mosi3274080
We heard it in person too: 500+ conversations with Stock Token holders and traders, and 50+ signed letters of intent from large and mid-sized traders ready to put idle Stock Tokens to work.
Every pool page sells a fee rate. Uptick is built on what holders actually keep. We replayed 3,059,881 real swaps across 17 Stock Token pools, and that replay decides which vaults open, which pool each token uses and how big each vault grows. It is how Uptick found Palantir on Uniswap v4 keeping +7.9% a year, a number no pool page shows.
The same data cuts what you pay to borrow. Stock Token loans on Robinhood Chain run at 21 to 27%. Uptick routes them into Robinhood Earn's Steakhouse liquidity at about 4.2%. On a Robinhood Chain fork, one transaction moved a real borrower's AAPL, SPCX and GOOGL debt, with no cash up front: $184,572 a year saved for one user.
Earn and borrow on the same deposit. Your vault share is an ERC-20 that keeps earning fees while it is posted as collateral on Morpho. A Uniswap position is an NFT that can't be posted; an Uptick share can.
A data advantage that compounds. Every week adds new trades to the replay, sharpens which pools open, and feeds our public weekly report on which Stock Token pools paid holders. Nobody else on the chain has this dataset.
Ready for agents. 10 MCP tools let any wallet, app or AI agent scan a portfolio, deposit, borrow and hedge through Uptick.
It is a data moat that deepens every week, and nobody else on the chain has it.
Other Stock Token products sell covered calls, sell fixed yield or chase rewards. Uptick is the only one that picks pools by what holders keep and hands back a share that is also collateral. Run through the same engine, Uptick's pool choice beat Fables on 11 of 12 tokens.
And the same data finds money for borrowers. One wallet holds 99.8% of the $1.61M borrowed against Stock Tokens and pays 21 to 27%. Robinhood Earn's Steakhouse vault now lends into the same collateral near 4.2%, and we proved on a Robinhood Chain fork that one transaction moves the debt across, with no cash up front: $184,572 a year back to a single user.
Beachhead. We start with the 92 wallets holding $1,000+ of Palantir or Apple and the borrowers paying 21 to 27%. Each gets a personal /check card built from its own pool's data.
Channels, ranked:
Addressed /check cards through public replies and linked handles. Founder time, zero cash. Target: 50 scans by day 30.
Inside the conversation. We answer the traders already posting about LPing Stock Tokens with their own stock's replay result. Target: 3 replies in week one.
Where Robinhood Chain users browse: the Robinhood Chain ecosystem page, HoodScan, the Arbitrum Portal, and a DefiLlama listing by day 14.
Partners on the borrow side. Steakhouse and Morpho curators supplying USDG to the share market. Outreach to Steakhouse, Morpho curators, Doppler and Rabby is already out.
The flywheel. Every week we publish which Stock Token pools paid holders and which hurt them. A holder reads it, checks their wallet, deposits, and their result becomes next week's report. Our marketing is our data.
The number we run on: outside depositors still in after 30 days. 5 by day 30, 15 to 25 by day 60, 40+ and $100K to $250K by day 90. Cash cost stays at zero until day 60, then a capped incentive campaign scales what already works.
Live on Robinhood Chain mainnet: AAPL and PLTR vaults, 7 contracts verified on Sourcify, a live Morpho market for the AAPL vault share
500+ conversations with holders and traders, 50+ signed letters of intent
23 direct conversations opened with named LPs, curators and builders, Steakhouse among them
3,059,881 swaps replayed, 17 pools scored, 3 open today
228 commits shipped during Founder House
572 contract tests, 292 of them security tests on a fork of the real pools. Six review rounds with all 45 findings closed or bounded and tracked. A 5,000-run fuzz pass. Deposits price at the lowest of Chainlink, TWAP and spot, every owner change waits 24 hours in public, and no owner function can ever touch depositor funds.
0% at launch to win holders. Then up to 10% of the trading fees a vault collects, switched on only where holders still keep money. In the 30-day replay the three open-door pools alone paid $29.6K a week in fees. We are raising a $250K to $300K SAFE with a $100K first close to fund the audit and distribution.
Paste any wallet at https://uptick-fi.pages.dev/check and see what your Stock Tokens could earn. Pitch: https://uptick-fi.pages.dev/deck/pitch/ | Full deck: https://uptick-fi.pages.dev/deck/ | Agents and evidence API: https://uptick-evidence.earn-shield-alerts.workers.dev
GTM , growth pivoted and fully Built at Founder House, 228 commits from 23 Oct: the Morpho collateral layer (share oracle and factory, 62.5% LLTV fork demo),
Earn and borrow, Your loan, Make it safer, /check, loan alerts, mainnet deploy, live gate status, refinance fork spike, Stylus gas test.
Live today: the app at https://uptick-fi.pages.dev, the evidence API and MCP server, and the deck at https://uptick-fi.pages.dev/deck/.
Raising a $250K to $300K angel and pre-seed SAFE, cap set with the lead. A $100K first close buys the audit scope, the owner key in a Safe, the first USDG lender supply and two months of runway. Tranche 2 at day 60 on traction targets: 5 depositors and $10K TVL by day 30, 15 to 25 and $50K by day 60, 40+ and $100K to $250K by day 90.