How It Works
Five steps from holding a Polymarket position to having USDC in your wallet — without selling a single share.
Connect & Discover
Your positions are automatically detected
Connect your wallet on Polygon. PositionFi instantly discovers all your Polymarket positions — every market, every outcome, with live prices pulled directly from the CLOB order book.
Wallet Connected
0x45e5...c73d · Polygon
Will BTC hit $150k by Dec 2026?
US Recession in 2026?
Fed rate cut before July?
List as Collateral
Set your terms. You're in control.
Pick a position and list it as collateral. You decide how much USDC you want to borrow, the maximum you're willing to repay, and the loan duration. Your tokens are held in a secure escrow smart contract — not a pool, not a vault. Just you and the contract.
New Listing
Collateral escrowed
Tx confirmed · Block 85,202,340
Lenders Compete
Market-driven rates. Best offer wins.
Your listing goes live. Lenders browse open listings, assess the collateral's market value, and submit offers with their proposed principal, repayment amount, and duration. You can receive multiple competing offers and pick the best one.
3 Offers Received
$1,000 → $1,065
BEST RATE0xa3f2...8b91 · 14 days · 170% APR
$950 → $1,010
0x7c1d...4e22 · 21 days · 115% APR
$1,000 → $1,090
0xb8e5...1a07 · 30 days · 109% APR
Loan Activates
USDC in your wallet. NFT receipts for both sides.
Accept an offer and the loan starts instantly. You receive the USDC principal directly to your wallet. Both parties receive ERC-721 NFTs — a Promissory Note for the lender and an Obligation Receipt for the borrower. These are tradeable, composable proof of the loan.
Loan #47 Active
Principal Received
$1,000 USDC
Repayment Due
$1,065 USDC
Maturity
Apr 20, 2026
Collateral
2,500 shares
Obligation Receipt
ERC-721 · #47
Promissory Note
ERC-721 · #47
Repay or Refinance
Get your collateral back. Or roll into better terms.
Before maturity, repay the loan amount and your Polymarket positions are returned to your wallet. If better terms appear on the market, refinance atomically — the old loan settles and a new one opens in a single transaction. If the borrower doesn't repay, the lender can foreclose and claim the collateral after maturity.
Repay
Pay $1,065 USDC and get your 2,500 shares back instantly.
Refinance
Accept a new offer with better terms. Atomic. One click.
If Maturity Passes
Lender can foreclose and claim the collateral. No liquidation bots. No oracle manipulation. Just a clean maturity-based settlement.