LATEST INDICATIVE RATES
Access leading onchain money markets — delivered through Galaxy’s institutional platform with integrated risk management and operational support.
| Asset | Today | 7D Avg | 30D Avg | Download |
|---|---|---|---|---|
|
3.37% | 3.26% | 3.22% | |
|
3.42% | 3.43% | 3.32% | |
|
1.62% | 1.73% | 1.74% |
As of July 13, 2026, 9:00 PM UTC
Galaxy has committed $100M of its own equity as first-loss capital. Our incentives to underwrite conservatively and monitor continuously are economic, not just reputational. In a credit loss scenario, our committed capital is drawn down prior to our client’s.*
Dynamic rate blending across Aave, Morpho, Spark, Kamino and more. Positions rebalance in real time.
No wallets. No private keys. No direct onchain interaction required—Galaxy executes all transactions on your behalf.
DeFi offers compelling rates but direct onchain participation introduces operational, technical, and risk management challenges that institutions don’t want to own. Galaxy acts as the institutional intermediary between clients and onchain money markets, managing execution, collateral, and risk on behalf of clients.
$100M first-loss capital Galaxy equity absorbs losses before client capital. Defined recourse, not a promise.*
Zero operational burden No wallets, private keys, or smart contracts. Galaxy handles everything on-chain.
Regulated, Nasdaq-listed operator We operate under the oversight of the CFTC, FCA, FinCEN, NFA, and more.
Institutional Security & Custody Audited protocols, MPC custody, institutional security framework.
White-glove support Dedicated specialists for onboarding, reporting, and 24/7 monitoring.
Flexible eligible collateral USDC, USDT, ETH and others. Talk to our desk — we structure around your book.
Best blended DeFi rates Dynamically optimized across leading protocols in real time.
24/7 active monitoring Real-time position and protocol monitoring with continuous risk assessment and rebalancing — not reactive, always on.
Circuit breakers and diversification caps Hard limits on single-protocol exposure. Automated circuit breakers halt deployment if risk thresholds are breached.
COMMON QUESTIONS
GOFR is designed for institutional investors, asset managers, hedge funds, trading firms, and corporate treasuries that want access to DeFi financing without managing the operational complexity, protocol risk, or infrastructure themselves. GOFR is also used by DeFi-native firms seeking optimized rates and reduced protocol exposure.
Galaxy considers indicative lending rates across a curated set of onchain money markets and determines a single indicative rate. Protocol selection, weighting, and ongoing monitoring are informed by Galaxy’s credit, risk, and market expertise. Rates shown are indicative only and do not represent executable terms. Indicative rates are updated daily and take into account Galaxy’s view of prevailing onchain lending conditions at the time of publication. Historical context is for reference only.
Galaxy sources rates from a curated set of onchain money markets, including Aave, Morpho, Spark, Kamino, and others, subject to ongoing risk assessment and monitoring. Protocol inclusion may change over time based on market conditions and Galaxy’s risk framework.
DeFi credit markets involve risks at the protocol and market level. When accessing on-chain credit through Galaxy, these risks are actively monitored by Galaxy through protocol selection, conservative LTVs, continuous monitoring, and operational controls. On-chain credit markets are not risk-free, and executable terms remain subject to market conditions.
Access is available through Galaxy’s Institutional Lending Desk. Contact the desk to discuss eligibility, access requirements, and indicative terms based on asset, size, and risk parameters.
Clients of Galaxy benefit from risk-managed execution, operational abstraction, and a trusted counterparty, alongside the ability to expand the relationship into spot trading, derivatives, and financing solutions.
Discuss indicative rates, access requirements, and how onchain credit can fit into your broader trading and financing relationship with Galaxy.
The information presented on this page is provided solely for general informational purposes and does not constitute an offer, solicitation, or recommendation to participate in any transaction nor does it constitute investment, legal, or tax advice.
Any lending transaction is subject to negotiation and definitive documentation agreed with Galaxy.
DeFi and digital asset activities involve significant risks, including but not limited to smart contract vulnerabilities, collateral loss or impairment (including due to onchain or protocol-related events), liquidity constraints, market volatility and protocol governance risks.
*In a collateral loss or impairment scenario, Galaxy’s committed capital is intended to be drawn down prior to client capital, subject to applicable terms and conditions.
Discuss indicative rates, access requirements, and explore how Galaxy supports onchain credit alongside spot trading, derivatives, and financing solutions.
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