Rocko

Rocko bridges the gap between complex DeFi lending protocols and everyday users by offering an easy-to-use platform where loans can be set up within minutes. Users can post ETH, WBTC, AAVE, LINK, UNI, wstETH, and cbETH as collateral to access crypto-backed loans with transparent, competitive rates starting as low as 4.05% APR. Through integrations with audited protocols like Aave and Compound, Rocko ensures that all funds are secured within non-custodial smart contracts, maintaining full user control.

One of Rocko’s standout features is Rocko ReFi, a refinancing tool that uses blockchain-native flash loans to automatically move loans between protocols like Aave and Compound, always ensuring users benefit from the best available interest rates. Unlike traditional platforms such as Ledn or Arch Lending that involve centralized custody and higher administrative fees, Rocko offers a fully non-custodial, self-directed lending experience.

Security is foundational at Rocko. All users are provided with smart wallets built on Kernel technology, protected through secure enclave integrations like Turnkey, ensuring only the user can access the wallet's private key. Loans are recorded transparently on-chain and can be audited anytime, offering a level of transparency not found on traditional CeFi lending platforms. This structure makes Rocko a superior alternative to centralized lenders that often operate with opaque balance sheets and unverified collateral models.

Furthermore, Rocko enables users to manage loans proactively through an advanced dashboard featuring real-time balance tracking, interest rate monitoring, and automated alerts. Compared to platforms like Ledn and Arch Lending, which require manual loan refinancing and higher fees, Rocko’s frictionless refinancing, no credit checks, and decentralized security provide a significant advantage for users seeking more control and lower costs in managing their crypto-backed loans.

Rocko offers a suite of powerful features that deliver unparalleled value to crypto users:

• Easy Access to DeFi Lending: Instantly tap into Aave, Compound, and Morpho for competitive crypto-backed loans.
• Low Rates: Borrow at APRs starting as low as 4.05%, often lower than traditional CeFi lenders.
• Self-Custodial Wallets: Full control over your private keys with Rocko’s secure smart wallets.
• Automated Refinancing: Rocko ReFi automatically moves your loan to the best available rates using blockchain flash loans.
• Security-First Design: Only supports third-party audited protocols and provides multi-factor authentication.
• Real-Time Loan Management: Track your loan health, adjust collateral, refinance, and set custom alerts — all from an intuitive dashboard.
• Multiple Collateral Options: Use ETH, cbBTC, WBTC, AAVE, UNI, LINK, and more to secure your loans.
• No Credit Checks: Borrow without impacting your credit score or undergoing any credit verification.

Getting started with Rocko is simple and takes just a few steps:

• Step 1: Visit rocko.co and click “Get a Loan.”
• Step 2: Select the crypto asset you want to use as collateral and specify your desired loan amount.
• Step 3: Choose your preferred lending protocol (Aave, Compound, or Morpho) and view the current rates.
• Step 4: Finalize your loan setup and create your Rocko smart wallet for non-custodial control.
• Step 5: Transfer your collateral to the smart wallet, and Rocko will automatically fulfill your loan.
• Step 6: Manage repayments, monitor collateral levels, or refinance through the Rocko loan dashboard anytime.