Notional Finance Overview

Notional is a protocol on Ethereum that facilitates fixed-rate, fixed-term crypto asset lending and borrowing through a novel financial instrument called fCash.

Notional was developed and launched in early 2020 by a team of stakeholders with expertise in technology, trading, security, and design.

Notional V2 is governed by NOTE token holders. The Notional Team will provide analysis and parameter recommendations for a short period of time following the launch of the protocol. As the protocol becomes increasingly decentralized, the Notional Team will step back from protocol governance.

Notional makes it possible for anyone to lend or borrow crypto assets at a fixed-rate of interest at any time, from anywhere in the world, in just a few clicks. Unlike other protocols that just serve lenders at fixed rates, or only offer volatile, variable interest rates, Notional serves both sides of the fixed-rate borrowing and lending market.

Notional introduces a concept called fCash to make this happen. fCash allows Notional to tokenize payments in different currencies like ETH or USDC at specific points in the future. fCash is what Notional uses to keep track of who owes what, who is owed what, and when.


  1. LEND — Build a stable portfolio with fixed rate income on your assets. Lock in your yield for up to one year or exit early without penalty at the market rate.
  2. BORROW — Borrow against your crypto with certainty for up to one year. Lock in what you pay until maturity or exit early without penalty at the market rate.
  3. PROVIDE LIQUIDITY — Mint nTokens from your base asset to provide liquidity and earn interest, fees and NOTE incentives.

TIP: Borrow against your nTokens to get cash while earning your LP rewards .

ABOUT Notional Finance
Notional is a community-owned and governed protocol supported by the Notional Finance Foundation

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