A self-yielding indexed vault with capital-efficient credit.
Oakmont buys and holds a fixed, nine-asset basket with its own revenue. OAK carries liquid exposure to it. sOAK turns that exposure into credit — without selling a thing.
The credit market next to the new collateral.
Robinhood Chain is about to create an enormous new supply of on-chain equity collateral. Existing DeFi lending markets were built for crypto-native assets and do not serve this emerging tokenized equity base. Oakmont is built to be the credit market that sits next to it.
The design choice that matters: Oakmont does not custody individual users’ tokenized shares. It runs its own basket. Users gain exposure to that basket and borrow against it — one uniform collateral base instead of fragmented silos of individual lending vaults. Two things follow from that.
The index creates standardized collateral.
A fixed, non-rebalancing basket, bought and held by the protocol, concentrates exposure in the assets most relevant to the tokenized-equity economy. The index backs every position in the system.
Protocol activity compounds the vault.
Fees from wrapping, borrowing, redemption, and loan origination flow back into the system. Nothing is paid out as emissions to manufacture a headline APY.
Nine assets. Fixed weights. Zero discretion.
No active management, no rebalancing, no committee deciding what looks good this quarter. Every dollar entering the vault is deployed across the same basket, and that basket never trades against itself.
| Ticker | Asset | Class | Weight |
|---|---|---|---|
| SPCX | SpaceX | Equity | 11.875% |
| NVDA | Nvidia | Equity | 11.875% |
| AAPL | Apple | Equity | 11.875% |
| QQQ | Nasdaq-100 | Equity index | 11.875% |
| GME | GameStop | Equity | 11.875% |
| OIL | Crude oil | Hard asset | 11.875% |
| TSLA | Tesla | Equity | 11.875% |
| ETH | Ether | Digital asset | 11.875% |
| STONKBROKER | The volatility engine | Digital asset | 5% |
A collateral base built on technology, equities, digital assets, and hard assets — instead of the fragmented, reflexive collateral DeFi credit has been stuck underwriting for years.
One trades. One claims.
- Fixed supply — no post-deployment mint function.
- No buy or sell tax.
- Built to trade cleanly on centralized and decentralized exchanges.
- Carries economic exposure to Oakmont’s growth without dragging vault logic into every transfer.
Wrapping OAK deposits it into the wrapper contract and mints sOAK. From there, you hold two distinct rights — not one blended claim.
Unwrap
Burn sOAK to release the OAK backing it, minus the unwrap fee. Draws only from the wrapper contract’s locked OAK.
Redeem
Burn sOAK to claim a proportional share of the vault’s actual basket — the equities, the commodities, the ETH — minus the 5% redemption fee, which is burned in full. Draws only from the vault’s holdings.
sOAK supply is flexible by design: OAK can be wrapped continuously, and burns on wrapping, unwrapping, and redemption permanently retire supply. New units can always be created — and every unit that survives holds a stronger claim over time. sOAK is the only token accepted as vault collateral, and the only token with a direct redemption claim on the underlying assets.
Borrow against the basket.
Keep the exposure.
Deposit sOAK. Borrow up to 75% LTV in index assets or their stablecoin equivalent. Your position stays exposed to the vault’s economics the entire time the collateral is locked — which is the whole point. You are not exiting to raise cash. You are borrowing against something that keeps working for you.
No fixed maturity.
Repay in full or in part whenever you want — in the borrowed assets, or through an ETH zap at a 0.5% fee. When the balance hits zero, your sOAK is released back to your wallet. No rollover, no term risk, no calendar to manage.
An eight-point buffer, by design.
The spread between the 75% borrow ceiling and the 83% liquidation threshold is deliberate. It gives borrowers room to breathe, and gives the system a defined, predictable point of intervention.
Fees, not a token printer.
Every stream below is real activity by real users. Nothing is subsidized, nothing is borrowed from future holders, and nothing stops working when an incentive budget runs out.
Wrapping & unwrapping
A 2.5% fee. 2% is paid in ETH by the user and goes toward growing the vault. 0.5% is taken as sOAK and burned — fueling sOAK’s up-only exchange rate.
Redemption
A 5% fee, charged as sOAK and burned entirely — permanently increasing NAV per remaining sOAK.
Borrowing
A 3% origination fee, charged as sOAK and burned — permanently increasing NAV per remaining sOAK.
Liquidations
Penalties pay the liquidators who keep the book solvent and route the remainder into protocol economics.
The vault grows because the protocol is used.
Most protocols answer the yield question with a token printer. Oakmont answers
it with fees.
Movement is the input. Fees are the output.
Launch liquidity is anchored by two markets.
STONKBROKER lives in two places at once — inside the vault, and inside the sOAK liquidity market. When its external market moves faster than the sOAK pool, a price gap opens. Arbitrageurs close that gap, and the only way through is the Oakmont system — which means every closure generates fees that land back in the vault. The same mechanism extends to every future OAK and sOAK market that comes online.
“If Robinhood Chain brings trillions of dollars of recognizable equity exposure on-chain, the next question is immediate: how do users gain efficient exposure to that wave? Oakmont exists to answer it.”
Read this part too.
Oakmont is experimental financial infrastructure.
Vault assets can decline in value, which reduces both collateral value and the underlying claim. Borrowers face liquidation if collateral falls far enough.
Smart-contract vulnerabilities are a permanent risk in any on-chain system — including this one.
Equity and commodity exposure may depend on external custody, tokenization providers, and infrastructure outside Oakmont’s control.
Liquidity can tighten, producing slippage or temporary premiums and discounts. Arbitrage is not guaranteed to operate instantly.
The system is designed to manage these risks — not to pretend they don’t exist.
Oakmont buys the basket.
$OAK gets you exposure to it.
sOAK turns that exposure into credit.
The layer for a world where real equity lives on-chain, 24/7.