Lend stablecoins to vetted borrowers whose finances are checked in real time, for a fixed or open-term yield.

Official links: Website (accountable.capital) · App (yield.accountable.capital) · @AccountableData (x.com) · Docs (docs.accountable.capital) · GitHub (github.com) · DefiLlama (defillama.com)

What Accountable does

• Deposit into credit vaults (e.g. a USDe vault) listed on YieldApp
• Open-term and fixed-term loan contracts for borrowers
• Withdrawals are requested, then filled later (not instant)
• Borrower solvency data is published via Accountable's verification network

Depositors earn the interest borrowers pay; loans rely on verified disclosures rather than seized collateral.

Accountable provides uncollateralized lending infrastructure — open-term and fixed-term credit contracts plus an async-redeem vault design where withdrawals are requested and then fulfilled rather than served instantly. Its largest pool on Robinhood Chain is denominated in USDe. Uncollateralized lending means the lender's protection is the borrower's disclosure and reputation, not seized collateral, which is a materially different risk from a Morpho market.

• On Robinhood Chain since: 2026-07-22
• Team: Accountable, New York; co-founder & CEO Wojtek Pawlowski.
• Token: points
• Audits: Cyfrin and others (list on docs)

Accountable news

• 2026-02-17 — Valos launches $100M vault on YieldApp
• 2025-12-16 — ACC Points are live on YieldApp
• 2025-11-24 — YieldApp mainnet is live
• 2025-10-29 — Accountable raises $7.5M led by Pantera Capital

Accountable contracts on Robinhood Chain

• Yield 0x2639da0923abffe46a753b765e0856cc3e121710
• Open term 0xff0153f8e4969846e6b5190260032725160ca8c1
• Fixed term 0xbb0731a3bdde815aaf7c220709a6427c7a84f17f
• krzUSDe vault 0xa5749d02897d384c15f57838847c535de2262d7a
• Accountable strategy factory 0x017273eeb06ee9f863020269417db9559fd94173
• Accountable strategy factory 0x474b612f970491801743bf0e4b9153620fc36096
• Accountable yield factory 0xa4d6a4ad35fc632aee1dc48a2aec2aaa37b51f9f

Similar projects

• Morpho Blue — Lend USDG to earn interest through curated vaults, or borrow against collateral in isolated markets.
• Native Credit Pool — Deposit tokens into a pool that lends to market makers and earn yield from their trading.
• TermMax — Borrow or lend at a fixed rate until a set date, including against tokenized stocks like SPY and NVDA.
• T3tris Finance — Deposit into vaults run by independent managers, or deploy your own vault and run a strategy in it.

All Robinhood Chain projects · Lending & Credit projects