Risk index / Protocols / Zest Protocol

Zest Protocol

Stacks mainnetUpdated Sep 18, 06:40 UTC0–100 · higher is safer
Zest Protocol logo

Zest Protocol

Lending

Bitcoin-backed lending market on Stacks. Users supply sBTC, STX and stablecoins and borrow against them.

Assets
sBTC · STX · stSTX · USDh · USDCx · stSTXbtc
Overall risk score
68
Moderate— 0 vs 7d agoMethodology v1.0.0
Data quality. 1 daily point(s) below 5% of the 90-day median were excluded as adapter outliers.
Liquidity Health
73
Weight 30%
Protocol Activity
16
Weight 25%
Collateral Health
94
Weight 25%
Security & Transparency
94
Weight 20%
TVL
$65.4M
+0.5% 7d
Liquidity score · 30d
73
+9.8% TVL 30d
Activity · 7d
36
15 unique senders
Utilisation
17.2%
$13.6M borrowed
Historical data
$56.3M$61.5M$66.7M$71.9M$77.2MJunJulAugSep$65.4M
TVL
Score breakdownMethodology →
Liquidity Health72.5 · weight 30%
1 daily point(s) below 5% of the 90-day median were excluded as adapter outliers.
FactorObservedWeightScore
Liquidity depth (TVL)$65.4M50%70
30-day TVL trend+9.8%25%77
30-day stability (drawdown, volatility)dd 15.0% · vol 3.3%/d25%72
Protocol Activity16.3 · weight 25%
FactorObservedWeightScore
Transactions, 7 days3640%19
Unique senders, 7 days1535%19
7-day transaction trend vs prior week-54.4%15%15
Transaction success rate66.7%10%0
Collateral Health93.9 · weight 25%
FactorObservedWeightScore
Utilisation (borrowed / supplied)17.2%70%100
Utilisation change, 7 days+0.1 pts30%80
Security & Transparency93.7 · weight 20%
FactorObservedWeightScore
Contract source verifiable on-chain3/3 contracts20%100
Public audits listed225%100
Public source repositoryyes15%100
Public documentationyes10%100
Oldest tracked contract age21 months15%91
Governance / upgrade controlgovernance-contract10%100SP2VCQJGH7PHP2DJK7Z0V48AGBHQAW3R3ZW1QF4N.zest-governance observed on-chain
Bug bounty programmeno5%0
Tracked contracts
ContractRoleDeployedLifetime tx
SP2VC…QF4N.borrow-helper-v2-1-8User entry point (supply / withdraw / borrow / repay / liquidation-call)Aug 13 2026465
SP2VC…QF4N.pool-borrow-v2-1Pool borrow coreApr 10 20251
SP2VC…QF4N.pool-0-reserve-v2-0Reserve stateDec 17 20242
Liquidity by asset
SBTC$46.1M · 71%
STBTC$10.5M · 16%
USDCX$4.0M · 6%
STSTXBTC$2.1M · 3%
STSTX$2.0M · 3%
STX$378K · 1%
Risk events
Sep 18, 06:24transaction success rate 67% over 7 dayswatchActivity
Sep 18, 06:24weekly transactions −54.4% vs prior weekwatchActivity