Clear expectations for an independent, non-custodial interface.
Creditbook is an independent application built on Robinhood Chain and is not affiliated with or endorsed by Robinhood. All external protocols operate independently. Creditbook does not custody funds, deploy its own lending contracts, or guarantee any outcome.
Borrowing is overcollateralized. If debt exceeds collateral valued by the market oracle multiplied by its liquidation loan-to-value (LLTV), the position may be liquidated. Interest, oracle updates, market gaps, issuer events, and price changes can affect health. A displayed estimate is not a guaranteed liquidation price. Low market liquidity can prevent withdrawals.
Stock Tokens are issuer products with economic exposure to underlying securities; they do not grant direct ownership rights in those securities. Multipliers can change following corporate actions. Product, issuer, transfer, geographic, and eligibility restrictions may apply. Review the issuer's current documentation. Asset API quotes are indicative and are distinct from protocol oracle valuations.
Protocols, adapters, tokens, oracles, and wallets may have vulnerabilities. Canonical token verification is an identity check, not a safety endorsement. Protocol listing and warning indicators are descriptive, not Creditbook risk ratings. Users must assess individual market parameters.
APYs change continuously and do not guarantee returns. Displayed supply APY excludes external reward assumptions. Indexing and cached data can lag. Missing values are shown as unavailable. Transaction reviews read fresh onchain state but cannot guarantee execution conditions.
All writes require an explicit wallet confirmation. Token approvals use precise SDK-required amounts. Some withdrawals and borrows also require persistent protocol authorization of the protocol's official GeneralAdapter1. Review the recipient, chain, allowance, and permission in your wallet. Creditbook never requests private keys.
Creditbook Score is experimental and can be gamed. It is not a traditional credit rating, underwriting tool, or repayment prediction. Follows, bookmarks, and saved discovery lists are stored in your browser. Share links reveal their included list. Public profiles show public wallet activity, not verified human identity.
Creditbook provides an interface and public data, not financial, investment, legal, or tax advice. Participation can result in loss of funds. Evaluate your own circumstances and the relevant product restrictions.
