Unreal Finance

Skip guessing tomorrow’s APY. With Unreal Finance, you can turn variable yield into a known outcome by trading the future income from your deposits. Connect your wallet, pick a yield source and a maturity, deposit your asset, and the system splits your position into two claims: your principal due at expiry and a separate token that represents all interest to be earned until then. Sell that future-interest token immediately and you receive cash up front, effectively setting your return for the term. Example: deposit 10,000 USDC into a 90‑day vault, list your future-yield token for sale, and if it clears for 250 USDC you’ve locked roughly a 10% annualized return. You keep the principal token and simply redeem it for your full 10,000 USDC at maturity.

Need predictable borrowing costs instead? Use the same market to hedge your floating-rate loan. Estimate how much interest you’ll owe over your target period, then buy the future-yield token that mirrors that exposure and maturity. If variable rates rise, your loan becomes more expensive—but the future-yield token appreciates, offsetting the extra cost. If rates fall, the token’s value declines, but your loan is cheaper. To execute: choose a maturity that matches your borrow horizon, calculate hedge size (loan amount × expected APY × days/365), place a buy order with a price limit, and track PnL against your live borrow. At or near expiry, close the hedge or let it settle and use any proceeds to cover interest. more