Self-repaying, interest-free loans backed by yield-bearing collateral. Borrow jUSDi against jBTCi and jETHs — your collateral's yield pays your debt automatically.
Website: https://jubileeprotocol.xyz
Whitepaper: Jubilee Protocol v3
Contract: 0x1b55eF520AEf9c2657C99343738641dCC92a840F
Status: 🟢 LIVE on Base Sepolia — Deployed Feb 25, 2026
Jubilee Lending is the non-custodial, over-collateralized lending engine of the Jubilee Protocol. Deposit yield-bearing index tokens (jBTCi, jETHs) as collateral, borrow jUSDi at 0% interest, and let your collateral's yield auto-repay your debt over time.
1. Deposit jBTCi/jETHs as collateral
2. Borrow jUSDi (up to 50% LTV, boosted to 70% with $JUBL staking)
3. Your collateral generates yield → YieldRouter applies it to your debt
4. Loan shrinks automatically. No liquidation risk if you stay healthy.
- 🏦 Self-Repaying Loans — Collateral yield automatically reduces your debt via
YieldRouter - 💰 0% Interest — No borrowing fees, ever
- 📈 $JUBL LTV Boost — Stake $JUBL to increase borrowing power from 50% → 70% LTV
- 🛡️ Dual Oracle — Chainlink primary + Pyth validation with per-asset heartbeats
- ⚡ Partial Liquidation — Only the unhealthy portion is liquidated, not the entire position
- 🙏 First Fruits Tithe — 10% of all protocol revenue goes to charitable causes
- ⏳ 24hr Timelock — All admin operations require a 24-hour delay
- 🚨 Emergency Module — Circuit breakers with role-based pause/unpause
┌─────────────────────────────────────────────────────────┐
│ Jubilee Lending │
├──────────┬──────────┬──────────┬──────────┬──────────────┤
│ Deposit │ Borrow │ Repay │ Withdraw │ Liquidate │
│ Collat. │ jUSDi │ Manual │ Collat. │ Unhealthy │
└────┬─────┴────┬─────┴────┬─────┴────┬─────┴──────┬───────┘
│ │ │ │ │
┌────▼──────────▼──────────▼──────────▼─────────────▼──────┐
│ CollateralManager + JUBLBoost │
│ (Health Factor + Dollar-Value LTV Boost) │
└────┬─────────────────────────────────────────┬───────────┘
│ │
┌────▼────┐ ┌────────────┐ ┌─────────────────▼──────────┐
│ Oracle │ │ YieldRouter│ │ Revenue Pipeline │
│ Aggreg. │ │ (Auto-Pay) │ │ FeeCollector → 10% Tithe │
│ CL+Pyth │ │ │ │ → 90% Stakers │
└─────────┘ └────────────┘ └─────────────────────────────┘
- Audit Score: 20/20 findings remediated ✅
- Critical: 4/4 fixed — Reentrancy, access control, LTV exploit, liquidation logic
- High: 5/5 fixed — SafeERC20, emissions sync, gas DoS prevention
- Medium: 6/6 fixed — Timelock, oracle staleness, CF cap
- Low: 5/5 fixed — Zero-address checks, event indexing
- See docs/AUDIT_REPORT.md for the full report
| Contract | Address |
|---|---|
| JubileeLending | 0x1b55eF520AEf9c2657C99343738641dCC92a840F |
| CollateralManager | 0xe1B0D9F7225e68B769d1EFd3e63ee47753812ECA |
| OracleAggregator | 0x06a524f5087E1491aD5d0E86732B74e8874358c4 |
| LiquidationEngine | 0x58B83cc548E3811c63C75331C3f919116c832F2E |
| YieldRouter | 0xdaA1036227a5695E92c427c494E47Ba641434334 |
| JUBLBoost | 0x03beBEE45001eA239588dFF9a42aD1aB330Bb6cC |
| JUBLEmissions | 0x77A2fB1BE81Eee71f228a1525c0E4ebBdeec225f |
| ChoiceYield | 0x9CCabBdE55943E430bc1DF881cd32B2ab7Fe234f |
| FeeCollector | 0x4AA60050377fC6519AaC76633599141BbeD16bfB |
| FirstFruitsFund | 0xe297E5c4408e6f9bebdb2180F4d68E38c3915014 |
| EmergencyModule | 0x68da820EfDb3Af6bb68F4Fb0Ff9368921eD12957 |
| JubileeTimelock | 0xdaA2cA1a36D6eAE8Ef94307777A1cDa6152C421c |
JubileeLending/
├── contracts/
│ ├── JubileeLending.sol # Core lending logic
│ ├── CollateralManager.sol # Multi-asset collateral + LTV
│ ├── JUBLBoost.sol # $JUBL staking for LTV boost
│ ├── LiquidationEngine.sol # Partial liquidation execution
│ ├── HealthFactorCalculator.sol # HF math library
│ ├── OracleAggregator.sol # Dual oracle (Chainlink + Pyth)
│ ├── YieldRouter.sol # Auto-repayment from yield
│ ├── FeeCollector.sol # Revenue split (10/90)
│ ├── FirstFruitsFund.sol # Charitable tithe
│ ├── ChoiceYield.sol # Multi-asset staker rewards
│ ├── JubileeTimelock.sol # 24hr admin timelock
│ ├── EmergencyModule.sol # Circuit breakers
│ ├── jUSDi.sol # Stablecoin (borrow asset)
│ └── test/
│ ├── MockERC20.sol
│ └── MockV3Aggregator.sol
├── test/
│ ├── JubileeLending.test.js # 13 unit tests
│ ├── JubileeLending.exploits.test.js # 2 exploit tests
│ └── Integration.test.js # 8 integration tests
├── scripts/
│ └── deploy.js
├── docs/
│ ├── AUDIT_REPORT.md
│ └── USER_GUIDE.md
└── README.md
# Install
npm install
# Compile contracts
npx hardhat compile
# Run all tests (21/21)
npx hardhat test
# Deploy to Base Sepolia
npx hardhat run scripts/deploy.js --network baseSepolia Jubilee Protocol Integration Tests
✔ Deposit → Borrow → Repay → Withdraw cycle
✔ Yield-based auto-repayment via YieldRouter
✔ Higher borrow with JUBL staking
✔ Prevent unstaking if loan becomes unhealthy
✔ 10% tithe to FirstFruits, 90% to ChoiceYield
✔ Stakers claim Choice Yield rewards
✔ Disburse to whitelisted charities
✔ Reject non-whitelisted disbursement
JubileeLending Exploit Tests
✔ JUBL Unstaking health check
✔ Fair Liquidation Seizure
JubileeLending Unit Tests
✔ Collateral deposit / unsupported reject
✔ Borrow within / exceeding limits
✔ Manual repay / yield repay
✔ Withdrawal / health factor enforcement
✔ Liquidation / healthy loan rejection
✔ JUBL Boost health factor
21 passing ✅
Jubilee Labs • Deployed on Base
This project is licensed under the MIT License.
"Seek first the Kingdom of God!" — Matthew 6:33