UNC Credit
Pledge purchased fixtures, inspect borrowing capacity, borrow, repay and withdraw collateral.
Practice assets. Explicit risk. Synthetic quotes and test balances in an isolated Capital account. Mock Silicon is a fixture, separate from the live Blend basket. Reviews require confirmation; the risk monitor uses transparent calculations without AI.
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Product and network boundaries
Capital currently runs a browser-local simulation, with no wallet or funded execution. Robinhood Chain mainnet is 4663; testnet is 46630. This account is neither network. A testnet controller and verified adapters are later integration work.
Stock Tokens provide economic exposure rather than underlying share ownership. Fixture collateral eligibility does not establish issuer eligibility or a live lending market. REST reference prices require the current multiplier once; adjusted onchain feeds already include it. Freshness, corporate-action pause and sequencer checks matter before increasing risk.
Spot fixtures charge the existing 1% fee on actual settled legs: half owner stock cashback, half funded coupons. Borrowing, repayment and collateral transfers create no swap volume. No Capital surcharge. UNC's separate 5% policy remains four points holders/one operations; the proposed 1% 80/20 policy remains separate.
Private credit, high-yield bonds, credit tranches and protocol-backed credit vaults remain planned. They need distinct borrower cash flows, defaults, lockups and verified adapters. Their presence in a roadmap is not an executable investment.
Verified infrastructure sources
Research refreshed 10 October 2026. Infrastructure documentation is separate from UNC deployment, collateral acceptance and liquidity.
Robinhood Chain networks ↗Stock Token rights ↗Stock Token APIs ↗Oracle and multiplier handling ↗Testnet deployment guide ↗