Nivela Introduction

Nivela is a borrowing protocol that enables you to access liquidity without selling your assets. Featuring high loan-to-value (LTV) ratios and a quasi-fixed interest rate, Nivela offers an efficient way to leverage your crypto holdings.

The ecosystem consists of four tokens:

• NIV: Deflationary token that powers the protocol and features an ever-increasing floor price

• nUSD: Over-collateralized stablecoin swappable 1:1 with USDC via our PSM

• veNIV: Governance token and collateral asset offering a 98% LTV ratio

• stnUSD: Staking token that earns 75% of the protocol revenue

Nivela provides many functionalities to its users. Each section of this documentation details how these features work.

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