v1.7.6

Connect Wallet

Supply & Borrow

Supply and borrow assets anytime to earn yields

Announcement on Adjusting the Parameters of the sTRX & Energy Rental Market（2025-09-19）

Account Status

Wallet NOT Connected

Stable Earnings

Earn rewards from supplied assets and mining programs

No Price Spike

The price oracle and anti-fraud mechanism protect your assets together

Contract Auditing

Third-party auditing service ensures your assets security

Markets

Asset	Supply APY	Borrow APY	Liquidity	Wallet Balance

TRX TRON	0.17%	3.59%	2.13B TRX	-- TRX	Stake for 6.11% APY
USDD Decentralized USD	4.82%	7.00%	297.14M USDD	-- USDD
USDT Tether USD	1.75%	3.49%	97.65M USDT	-- USDT	Stake for --% APY
wstUSDT Wrapped Staked USDT	4.02%	1.93%	1.13M wstUSDT	-- wstUSDT
sTRX Staked TRX	6.11%	2.00%	1.89B sTRX	-- sTRX
SUN SUN	1.24%	16.80%	206.92M SUN	-- SUN
BTT BitTorrent	0.16%	3.95%	3760.36B BTT	-- BTT
NFT APENFT	< 0.01%	2.17%	2484.24B NFT	-- NFT
JST JUST	0.08%	3.18%	83.39M JST	-- JST
WIN WINkLink	0.03%	2.68%	25.86B WIN	-- WIN
USD1 USD1	0.46%	2.35%	6.74M USD1	-- USD1
TUSD TrueUSD	1.61%	3.25%	1.02M TUSD	-- TUSD
BTC Bitcoin	0.01%	2.23%	6.76K BTC	-- BTC
ETH(F.K.A ETHOLD) Ethereum	< 0.01%	2.00%	534.14K ETH	-- ETH
ETHB(F.K.A ETH) Ethereum BTTC-Bridged	< 0.01%	2.00%	6.46K ETHB	-- ETHB
USDDOLD Decentralized USDOLD	0%	7.65%	279.33K USDDOLD	-- USDDOLD
USDJ JUST Stablecoin	0%	0.63%	865.79K USDJ	-- USDJ
WBTT Wrapped BTT	0%	8.19%	499.18M WBTT	-- WBTT

JustLend & TRON DeFi: Complete Guide to Decentralized Lending (FAQ)

Everything you need to know about JustLend, JustLend TRON, TRON DeFi, TRX lending, USDT TRC-20 borrow rates, collateral, supply APY, and earning strategies on the JustLend platform.

1. What is JustLend and how does it work?

JustLend is the official decentralized lending protocol on the TRON blockchain, built by the JUST Foundation. It allows users to supply assets like TRX, USDT (TRC-20), BTC (TRC-20), ETH (TRC-20), SUN, and JST to earn interest or borrow against them. JustLend uses algorithmic interest rate models based on market utilization.

2. What is JustLend TRON platform?

JustLend TRON is the TRON-native lending market that enables users to lend and borrow TRC-20 tokens. It's one of the largest DeFi protocols on TRON, with millions in total value locked (TVL) and competitive interest rates.

3. How do I start lending on JustLend?

To start lending on JustLend: 1) Visit justlend.org or justlend.just.network, 2) Connect your TRON wallet (TronLink, Klever, OKX Wallet), 3) Select "Supply" for an asset like TRX, USDT, USDC, BTC, ETH, or JST, 4) Enter the amount and confirm the transaction. You'll start earning variable APY immediately.

4. What assets can I borrow on JustLend?

JustLend supports borrowing of major TRC-20 tokens including TRX, USDT, USDC, BTC, ETH, SUN, JST, WIN, BTT. Borrowing limits depend on your supplied collateral and the loan-to-value (LTV) ratio for each asset.

5. What is the JST token and how is it used?

JST (JUST Token) is the governance token of the JUST ecosystem, which includes JustLend. JST holders can vote on protocol parameters, interest rate models, and new asset listings. JST can also be supplied or borrowed on JustLend.

6. Is JustLend safe and audited?

Yes. JustLend smart contracts have been audited by leading security firms including CertiK, SlowMist, and PeckShield. However, like all DeFi protocols, users should assess risks such as smart contract vulnerabilities, liquidation risks, and market volatility.

7. What is the JUST ecosystem?

The JUST ecosystem is a suite of DeFi products on TRON, including JustLend (lending), JustSwap (DEX), JustStable (stablecoin USDJ), and JustCryptos. It aims to provide a complete decentralized financial infrastructure on TRON.

8. How does JustLend compare to Aave or Compound?

JustLend is the TRON-native equivalent of Aave and Compound. Key advantages include: lower transaction fees (TRON energy/bandwidth vs gas), faster block times (~3 seconds), and deep liquidity for TRC-20 tokens like USDT and TRX.

9. Can I use TronLink wallet with JustLend?

Yes! TronLink is the official recommended wallet for JustLend. You can also use Klever Wallet, OKX Wallet, Trust Wallet, TokenPocket, and Ledger (via TronLink) to interact with JustLend.

10. What are the interest rates on JustLend?

JustLend uses dynamic interest rate models. Supply APY and borrow APY change based on pool utilization. You can find real-time rates on the JustLend dashboard for each asset (TRX, USDT, USDC, BTC, ETH, JST, etc.).

11. What is the maximum LTV on JustLend?

Maximum Loan-to-Value (LTV) on JustLend varies by asset. For example: TRX LTV ~50-60%, USDT LTV ~75%, BTC/ETH LTV ~50%. LTV ratios are subject to governance changes. Always monitor your health factor to avoid liquidation.

12. How does liquidation work in JustLend?

If your borrow value exceeds the allowed LTV threshold due to price volatility, your position may be liquidated. JustLend liquidators repay your debt in exchange for your collateral at a discount (~5-10%). You can avoid liquidation by adding more collateral or repaying part of the loan.

13. What is the JustLend referral or rewards program?

JustLend participates in the JUST DeFi rewards program. Users may earn JST tokens or other ecosystem rewards for supplying or borrowing assets. Check the official JustLend announcements for active campaigns.

14. Does JustLend support other blockchains?

JustLend is exclusively built on the TRON blockchain. However, you can bridge assets from Ethereum, BSC, or other chains to TRON via BTTC (BitTorrent Chain) or other cross-chain bridges to use them on JustLend.

15. How do I earn JustLend rewards?

You can earn JustLend rewards by supplying assets (APY) and, in some campaigns, by borrowing. Rewards may be distributed in JST tokens or ecosystem points. Current incentives are displayed on the JustLend dashboard.

16. What is the difference between JustLend and JustSwap?

JustLend is a lending/borrowing protocol, while JustSwap is a decentralized exchange (DEX) for swapping TRC-20 tokens. Both are part of the JUST ecosystem and can be used together (e.g., swap on JustSwap, then lend on JustLend).

17. Can I use JustLend with other TRON DeFi protocols?

Yes. JustLend is fully composable within the TRON ecosystem. You can deposit jTokens (justLend receipt tokens) into other TRON DeFi protocols like SunSwap, Sun.io, and BTTC Bridge for additional yield strategies.

18. What are the fees on JustLend?

JustLend transaction fees are paid in TRON energy and bandwidth, not traditional gas fees. With sufficient TRX frozen for energy, transactions can be nearly free. Without energy, fees are minimal (typically ~0.1-1 TRX per transaction).

19. Does JustLend have a governance token?

Yes! JST (JUST Token) is the governance token for the JUST ecosystem, including JustLend. JST holders can propose and vote on protocol changes, interest rate models, and new asset listings.

20. How do I withdraw funds from JustLend?

Go to JustLend dashboard → Your supplies. Select the asset you want to withdraw, click "Withdraw", enter the amount, and confirm the transaction. Ensure you have enough liquidity and that your borrow health factor remains safe.

21. What is the JustLend bug bounty program?

JustLend participates in the JUST Foundation Bug Bounty Program. Whitehat hackers who find critical vulnerabilities can earn significant rewards. Details are available on the official JustLend security page.

22. Where can I find JustLend analytics and historical data?

You can track JustLend TVL, borrow rates, and volume on platforms like TRONSCAN, DeFi Llama, Dune Analytics, and the official JustLend stats page. Search for "JustLend analytics" for custom dashboards.

23. What is jToken on JustLend?

jTokens are interest-bearing receipt tokens issued when you supply assets to JustLend (e.g., jTRX, jUSDT, jBTC). They represent your supplied position and accrue interest over time. You can redeem jTokens for the original asset plus earned interest.

24. Can I use JustLend on mobile?

Yes! JustLend works perfectly on mobile through the TronLink mobile app browser, Trust Wallet DApp browser, or OKX Wallet mobile. The interface is fully responsive.

25. What is the JustLend APY for TRX and USDT?

APY rates on JustLend fluctuate based on market conditions. Generally, TRX supply APY ranges from 2-8%, USDT supply APY from 3-12%, and borrow APY is slightly higher. Check the JustLend dashboard for real-time rates.

26. How do I get started with JustLend for beginners?

Beginners guide: 1) Install TronLink wallet, 2) Buy TRX on an exchange, 3) Transfer TRX to your TronLink wallet, 4) Visit justlend.org, 5) Connect wallet, 6) Start with supplying a small amount of TRX or USDT to learn the platform, 7) Monitor your earnings daily.