Build on the Fathom Stack.

Reach millions of account holders and tap into deep onchain credit with a few lines of code.

Building on Fathom

Halyard pier.io BRIGANTINE Keyring MERIDIA

Compatible with best-in-class wallets

gnomon driftbox Perch

Integrate Fathom. Grow new revenue, lift retention, and cut cost of capital.

Add yield to your product

Stay competitive and grow revenue with one integration that lets you pick the yield source matching your risk policy.

Hold users with liquidity

Borrowing against digital or real-world assets deepens retention by keeping balances working without moving capital out.

Cut cost by going onchain

Lean on programmable settlement for tighter automation, clearer reporting, and lower operational overhead.


Compatibility by design. Fathom plugs into any kind of financial service.

Fintechs & stablecoin issuers

Offer your customers transparent, competitive yield and asset-backed credit lines funded by stable reserves.

Exchanges & custodians

Route idle balances into yield and asset-backed loans inside your product to lift revenue and keep users active.

Wallets

Let holders earn and borrow against balances in the deepest, most competitive onchain credit markets.

Native onchain teams

Ship next-generation credit products and draw on deep Fathom liquidity to bootstrap your launch week one.

Banks & asset managers

Lend and borrow around the clock through Fathom Horizon's onchain repo markets for tokenised collateral.

Marketplaces & payments

Sweep merchant float into lending backed by secured money-market instruments or liquid onchain collateral.


Integrate in minutes. Our SDKs put your app on Fathom's deep liquidity the same afternoon.

Markets

Pick a lending pool that matches your risk profile and pass durable yield to your users through the most audited credit network onchain.

Vaults

Let users earn yield or borrow against holdings by connecting to existing pools, or spin up a dedicated pool just for your customers. Integrators can take a yield share as revenue.


Fathom secures billions in deposits across six years of transparent, battle-tested performance.

$18.4B

Net deposits

62%

Of all active onchain stablecoin credit

7.4x

Larger than the next network

And more

  • Move size without moving the rate
  • Supports tokenised real-world assets
  • Attach eligibility rules such as KYC
  • Shortfall cover through Bulwark
  • Spin up custom markets, chains and assets

Stories from integrators

Loomis

How Loomis and Halyard use Fathom

How Halyard's Loomis rollup built Tidewater on Fathom v3 to power native lending for 4.1 million accounts.

cinder

Cinder

Cinder routes idle stablecoin reserves through Fathom to benchmark yield, growing into one of the network's largest suppliers at $412M.

RAVELIN

Ravelin

Fathom has become a cornerstone of the Ravelin ecosystem, establishing the chain as a settlement venue for onchain credit.

tessel

Tessel

How Tessel uses Fathom to power non-custodial yield on hardware-secured balances.

ledgerworks by Vantry

Ledgerworks by Vantry

How the Fathom protocol was adapted for institutional mandates as part of the Compass initiative led by a national monetary authority.

Dropline

Dropline's liquid staking joins forces with Fathom to power the network's largest ETH yield engine.

NIGHTJAR

Nightjar

How Nightjar uses Fathom to power institutional access to onchain yield.

NORTHPOINT

Northpoint

How exchange-listed Northpoint uses Fathom to finance its digital asset treasury strategy.

orbita

Orbita

Institutional liquidity in practice, settled daily.

Vellum

Vellum

Vellum's climb to $6.8B in issuance, powered by the Fathom liquidity engine.

Keyring

Keyring picked Fathom as its lending partner to power Balance Earn, a feature that pays yield inside the wallet.

cascadia

Cascadia

Cascadia uses Fathom to give its validators secure access to decentralised capital markets.


FAQs

Banks, asset managers, fintechs, wallets, exchanges and independent onchain teams can all integrate with Fathom.

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