AfterHours is a lending protocol on Robinhood Chain that lets you borrow USDG against tokenized stocks like NVIDIA, Apple, Tesla and the S&P 500, any time of day. Unlike generic crypto lending, it follows the stock market clock. Borrow limits are higher during market hours and tighter overnight. A small after-hours fee funds a reserve that protects lenders from opening-bell crashes. Liquidations only happen on real post-open prices after a short grace period. Dividends automatically pay down loans, and stock splits never affect a loan's safety. It's a hackathon prototype running on testnet with test tokens and has not been audited.
AfterHours is a lending app on Robinhood Chain (testnet). You deposit tokenized stocks like NVIDIA, Apple, Tesla or the S&P 500 and borrow USDG stablecoin against them, at any hour.
What makes it different from normal crypto lending is that it follows the stock market's schedule:
You can borrow more during market hours (e.g., 60% of NVDA's value) and less overnight (40%), because closed-market prices are less reliable.
A small fee on overnight borrowing (0.30%) goes into a safety fund. If a stock crashes at the opening bell and a loan goes bad, this fund covers the loss before lenders take any.
There are no unfair liquidations. Nobody gets liquidated while the market is closed or on an old price. After the open, there's a short grace period first.
Dividends automatically pay down your loan.
Stock splits don't affect your loan's safety.
The project includes the smart contracts, tests, a landing page, the web app, and a demo console that simulates a whole trading week in two minutes. It's a hackathon prototype using test tokens and hasn't been audited.