ACCRUE

## The idea Accrue should be a vault where you deposit tokenized stocks and earn extra yield on them. Every step happens on-chain, rules are enforced by code, and there is no human in the loop. Here's one way the loop could work (if you think there's a better way to do it, feel free to do it your way!): 1. Users deposit xStocks into the vault. 2. The vault posts them as collateral on a Solana lending market. 3. It borrows USDC against them. 4. It deploys that USDC into a yield strategy that pays more than the borrow rate, and that is both **transparent and liquid**. 5. The spread accrues to depositors, and a performance fee goes to the Accrue DAO. *(Yield can be compounded back into the reference stock.)* On step 4, one candidate we've looked at is **OnRe ONyc** (tokenized reinsurance). Per [YieldCompass](https://yieldcompass.fi/strategy/onre-onyc), it shows ~11% realized APY over 14 days with one of the best risk/reward scores in their USD set, and it's liquid. That's a starting point, not a requirement. The builder picks the strategy, and the market judges it. ## Why now Solana just opened **Stocklana**: $100K in prizes and one week to build with stocks on Solana. Submissions close **Sept 18, 4pm ET**. *"Credit and yield: borrowing against stocks, dividends, structured products"* is listed as a core track. - https://hackathons.solana.com/hackathons/stocklana - https://x.com/solana/status/2098403597004263760 Build it for Stocklana, and pitch the same build here for the Accrue treasury. The two don't conflict. ## Inspiration: PiggyBank [PiggyBank](https://piggybank.fi) proved the demand. It offered vaults for xStocks on Solana, went live in October 2025 and passed **$5M TVL** in May 2026. The Spark team used it and liked it. In June, PiggyBank took a drawdown on an off-chain basis trade that depositors couldn't see ahead of time, because the strategy ran with limited position-level disclosure. We want the product back live, built on-chain from day one: - **Strategy logic on-chain.** Allocation rules are public and enforced by the program, not by a desk. - **No discretionary trades.** No OTC deals, no hidden positions, no human deciding where the money goes. - **Anyone can verify.** Deposits, collateral, borrow, deployment, yield and fees can all be read on-chain in real time. ## Some tips from the Spark team - **Don't overcomplicate it.** One stock (SPYx), one lending market, one yield strategy. Ship the loop end to end, then expand. - **Risk is the product.** Use conservative LTV and automatic, permissionless deleveraging when health drops, so no one needs to wake up to save the vault. - **Prefer liquid over high APY.** If the yield leg can't be unwound fast, it doesn't belong in v1. - **Route vault fees** to the Accrue DAO treasury. - **Make the code open source.** Be transparent with users: they need to know the full risk and exposure they're taking. - **Investor should be Aware of everything - be transparent** - **We encourage team to use YieldCompass API to make there product safer** ## There is no team yet That's the point. Nobody here is pitching you a roadmap, just an idea. 100% of the funds are locked in a multisig. Not a single dollar unlocks without a decision market approving it. That's also why the monthly spending allowance is 0 and there is no team allocation. ## Use of Funds **$10,000 raise. $8,000 hits the treasury** after the 20% LP allocation. There is no budget breakdown, because there is no team to spend it. The winning proposal writes the budget, and the decision market approves or rejects it. Until then, everything sits untouched in the multisig. ## Are you the team that can ship Accrue? Can you take the lead, or ship one piece of it: the vault program, the lending integration, the yield leg, the risk engine, the frontend, or the distribution? Come with your own terms. Tell the market what you'd build and what you want for it ($USDC? $ACCRUE? Both?), then see what the market thinks. No jury, no application form, no warm intro needed. **Keep in mind:** - **Someone has to own trust, not just code.** A yield product lives or dies on whether depositors believe the numbers. Transparency is the distribution strategy. - **The window is open now.** Stocklana puts every stock builder on Solana in the same week. Teams already working on credit against xStocks could ship this fast, or someone else will. ## How to apply / Timeline The Spark team can open a decision market. If you want to build, ship or get involved, reach out to **@mathis_btc** on Telegram, or ping him in the Spark Telegram, ACCRUE channel: [t.me/sparkdotfun/10203](https://t.me/sparkdotfun/10203). **Minimum lifetime: 1 week.** If nobody has stepped up after the first week, the Spark team can submit a proposal to liquidate the treasury at any point from then on. Every token holder can then claim the treasury back. Timing is open to discussion in the Telegram, especially if people are actively working on it. ## Spark's first proposal (within minutes of launch) Spark takes no allowance and no team allocation. Our business model runs through liquidity. As soon as $ACCRUE is live, Spark submits a first proposal to: 1. **Redeploy the launch LP.** Withdraw the LP position deployed on Meteora (900,000 $ACCRUE) and redeploy it in a Meteora AMM with a 2.5% trading fee. 2. **Split the fees 50/50.** Half goes to the Accrue DAO treasury, half to Spark. 3. **Shorten decision markets from 72h to 24h**, so the DAO can move at the speed of a one-week build window. It all goes through the decision market like everything else. If the market says no, it doesn't happen. ## What this is An experiment run by Spark. [x.com/JustSparkIdeas](https://x.com/JustSparkIdeas) · [justspark.fun](https://justspark.fun/) 1. **Fund the idea.** Backers buy an idea-coin at the same price. No insiders, no pre-sale. 2. **Builders compete.** Teams build and pitch for the funding. 3. **The market decides.** A decision market (futarchy), not a jury, picks the winning team. Backers own the winner, or get a full refund if there is no winner. More detail: [justspark.fun/explanation](https://justspark.fun/explanation) ## Disclaimer Accrue is not affiliated with, endorsed by, or supported by MetaDAO, futard.io, PiggyBank, OnRe, YieldCompass or the Solana Foundation. None of them is involved in this project, its funding or its execution. PiggyBank is credited as inspiration and OnRe ONyc is cited as an example strategy, nothing more. futard.io is the launch infrastructure used here, and Stocklana is a public hackathon open to anyone. Nothing on this page is an endorsement from any of them, and nothing here is financial advice.