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Borrowing powered by Uranium
Unlock liquidity whenever you need it. Loans are powered by Morpho’s billion-dollar on-chain lending protocol.
Tap into dynamic interest rates
Access variable rates, driven by the loan market
Repay at any time
No deadlines - settle whenever you want to. Interest is accrued until your loan is settled in full
Explore investment opportunities
Retain uranium exposure while unlocking liquidity to participate across DeFi and other investment opportunities
How borrowing with xU3O8 works
1
Choose how much to borrow
Borrow up to $80,000. The amount you can borrow depends on how much xU3O8 you have available to supply as collateral, and is subject to LTV requirement.
Borrow up to $80,000. The amount you can borrow depends on how much xU3O8 you have available to supply as collateral, and is subject to LTV requirement.
2
Receive USDC near-instantly
USDC will be deposited into a wallet of your choosing, and your xU3O8 collateral will be moved on-chain to Morpho.
USDC will be deposited into a wallet of your choosing, and your xU3O8 collateral will be moved on-chain to Morpho.
3
Repay when it suits you
There are no repayment schedules or deadlines. Interest is accrued until your loan is settled in full. Your loan-to-value (LTV) ratio must remain under 77% to avoid triggering automatic liquidation.
There are no repayment schedules or deadlines. Interest is accrued until your loan is settled in full. Your loan-to-value (LTV) ratio must remain under 77% to avoid triggering automatic liquidation.
Explore opportunities with USDC
USDC - one of the world's most traded stablecoins.
USDC is a fiat-backed stablecoin
USDC is redeemable 1:1 against the US dollar, and is used in over 190 countries worldwide.
USDC is fully backed by reserve US dollar holdings
USDC is an accessible way to move funds across the globe.
USDC is available on multiple networks
USDC is widely supported across several blockchains, including Etherlink, Ethereum, Solana, Base, Optimism and more.
About Morpho
and Oku
xU3O8 now enables holders to access on-chain loans on Oku, powered by Morpho, one of the leading lending protocols in DeFi.
Oku Trade is a non-custodial, decentralized exchange (DEX) that brings together the best of DeFi, aggregating liquidity and bridging across multiple EVM-compatible blockchains.
When you borrow USDC using your xU3O8 as collateral, your assets are deposited into Morpho’s smart contracts, ensuring transparent and permissionless management by the protocol.
FAQs
What are on-chain loans?
On-chain loans allow you to deposit some amount of an on-chain asset (e.g. xU3O8) as collateral, and borrow some amount of another on-chain asset (e.g. USDC) against this collateral.
On-chain loans allow you to deposit some amount of an on-chain asset (e.g. xU3O8) as collateral, and borrow some amount of another on-chain asset (e.g. USDC) against this collateral.
What is Loan-To-Value (LTV) ratio and how does it impact my loan?
LTV is the ratio of the total outstanding amount of your loan (including principal and all unpaid accrued interest) to the current market value of the collateral you deposit.
LTV is the ratio of the total outstanding amount of your loan (including principal and all unpaid accrued interest) to the current market value of the collateral you deposit.
How are the interest rates calculated?
Interest rates are variable and adjusted frequently based on <a href="https://docs.morpho.org/learn/concepts/irm/" style="textDecoration: underline">Morpho’s lending pool dynamics</a>. Rates rise when more people borrow the asset, or when the supply of asset decreases.
Interest rates are variable and adjusted frequently based on Morpho’s lending pool dynamics. Rates rise when more people borrow the asset, or when the supply of asset decreases.
Are there any additional fees when borrowing through Oku?
There are no additional fees. You only pay the variable interest rate set by Morpho’s open lending markets.
There are no additional fees. You only pay the variable interest rate set by Morpho’s open lending markets.
How do I repay the loan?
You can repay your loan at any time, in full or in part. There are no due dates or minimum payments, but interest continues to accrue on your outstanding loan balance. It is important to monitor your loan regularly to ensure you remain below the maximum LTV threshold. Failure to do so will result in your collateral being liquidated to repay the remainder of the loan.
You can repay your loan at any time, in full or in part. There are no due dates or minimum payments, but interest continues to accrue on your outstanding loan balance. It is important to monitor your loan regularly to ensure you remain below the maximum LTV threshold. Failure to do so will result in your collateral being liquidated to repay the remainder of the loan.
How do I use my xU3O8 funds from Uranium.io on Oku Trade?
If you connect to Uranium.io with your own wallet through an app like MetaMask, Rabby or OKX Wallet, all you need to do is connect to Oku Trade with the same wallet.</br></br> If you connect to Uranium.io using Google or Email, you will need to export your in-app wallet to a wallet app such as MetaMask, Rabby or OKX Wallet (instructions <a href='https://help.uranium.io/en/articles/11866154-how-do-i-export-my-uranium-io-in-app-wallet' style="textDecoration: underline" target="_blank">here</a>), and then connect to Oku Trade with the wallet app of your choice.
If you connect to Uranium.io with your own wallet through an app like MetaMask, Rabby or OKX Wallet, all you need to do is connect to Oku Trade with the same wallet.
If you connect to Uranium.io using Google or Email, you will need to export your in-app wallet to a wallet app such as MetaMask, Rabby or OKX Wallet (instructions here), and then connect to Oku Trade with the wallet app of your choice.
What are the risks associated with borrowing with xU3O8?
If you use your xU3O8 as collateral to borrow USDC, you may lose your collateral in the event of market volatility or insufficient margin.</br></br>Each xU3O8 represents a unit of ownership of U3O8 (physical uranium) and uranium prices can be influenced by events such as changes in nuclear energy policies, trade restrictions, geopolitical tensions in uranium-producing regions, and disruptions in supply chains, which can lead to price fluctuations.</br></br>Transactions involving stablecoins (e.g. USDC) carry risks such as depegging due to poor collateralization, regulatory action, or issuer failure.</br></br>Loans are subject to variable interest rates, which may change frequently.</br></br>It is important to monitor your loan regularly to ensure you remain below the maximum LTV threshold.</br></br>Uranium.io does not guarantee the availability of loans, and repayment terms are your sole responsibility.</br></br>This product is not regulated by the FCA. Your assets are not protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS). You should not borrow more than you can afford to repay.</br></br>Please read our risk summary to get a better understanding of the risks: <a href='https://uranium.io/risk-summary.pdf' style="textDecoration: underline" target="_blank">https://uranium.io/risk-summary.pdf</a>
If you use your xU3O8 as collateral to borrow USDC, you may lose your collateral in the event of market volatility or insufficient margin.
Each xU3O8 represents a unit of ownership of U3O8 (physical uranium) and uranium prices can be influenced by events such as changes in nuclear energy policies, trade restrictions, geopolitical tensions in uranium-producing regions, and disruptions in supply chains, which can lead to price fluctuations.
Transactions involving stablecoins (e.g. USDC) carry risks such as depegging due to poor collateralization, regulatory action, or issuer failure.
Loans are subject to variable interest rates, which may change frequently.
It is important to monitor your loan regularly to ensure you remain below the maximum LTV threshold.
Uranium.io does not guarantee the availability of loans, and repayment terms are your sole responsibility.
This product is not regulated by the FCA. Your assets are not protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS). You should not borrow more than you can afford to repay.
Please read our risk summary to get a better understanding of the risks: https://uranium.io/risk-summary.pdf
Approved by Archax LTD on 3 November 2025
