> ## Documentation Index
> Fetch the complete documentation index at: https://natureloved-staxiq-48.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Zest Protocol

> Lend and borrow Bitcoin-backed assets with transparent on-chain rates

## Overview

**Zest Protocol** is a leading lending platform on Stacks that enables you to lend and borrow Bitcoin-backed assets with fully transparent, on-chain interest rates. Built for security and simplicity, Zest provides a low-risk entry point into Bitcoin DeFi.

<CardGroup cols={2}>
  <Card title="APY" icon="percent">
    **8.2%** annual percentage yield
  </Card>

  <Card title="TVL" icon="vault">
    **\$48.2M** total value locked
  </Card>

  <Card title="Asset" icon="coins">
    **sBTC** (Bitcoin on Stacks)
  </Card>

  <Card title="Risk Level" icon="shield-check">
    **Low** risk rating
  </Card>
</CardGroup>

## Protocol Type

**Lending** — Zest Protocol specializes in Bitcoin-backed lending and borrowing, offering transparent on-chain rates without intermediaries.

## Key Features

### Transparent On-Chain Rates

All interest rates are determined algorithmically and visible on-chain, ensuring complete transparency for lenders and borrowers.

### Bitcoin-Native

Zest is built specifically for Bitcoin DeFi, leveraging sBTC (Stacks-wrapped Bitcoin) to bring lending functionality to the Bitcoin ecosystem.

### Low Risk Profile

With conservative loan-to-value ratios and robust liquidation mechanisms, Zest maintains a low-risk profile suitable for Bitcoin holders seeking steady yields.

### Institutional-Grade Security

Zest employs battle-tested smart contracts and regular security audits to protect user funds.

## Supported Assets

* **sBTC** — Stacks-wrapped Bitcoin for lending and borrowing

## How to Use Zest via Staxiq

<Steps>
  <Step title="Connect Your Wallet">
    Connect your Stacks wallet (Leather, Xverse, etc.) to Staxiq
  </Step>

  <Step title="Navigate to Zest Protocol">
    Select Zest Protocol from the protocols dashboard
  </Step>

  <Step title="Deposit sBTC">
    Choose your deposit amount and confirm the transaction
  </Step>

  <Step title="Start Earning">
    Your sBTC begins earning 8.2% APY immediately
  </Step>

  <Step title="Monitor Performance">
    Track your earnings in the Staxiq dashboard
  </Step>
</Steps>

## Risk Assessment

### Risk Level: Low

Zest Protocol is rated **Low Risk** due to:

* **Conservative LTV ratios** — Protects against volatile market conditions
* **Robust liquidation mechanisms** — Automated systems protect lenders
* **Audited smart contracts** — Regular security reviews by leading firms
* **Proven track record** — Significant TVL demonstrates market confidence
* **Transparent operations** — All activities visible on-chain

<Tip>
  Zest is an excellent choice for Bitcoin holders who want to earn yield without taking on excessive risk.
</Tip>

## Performance Metrics

| Metric             | Value   |
| ------------------ | ------- |
| Current APY        | 8.2%    |
| Total Value Locked | \$48.2M |
| Primary Asset      | sBTC    |
| Risk Rating        | Low     |
| Protocol Type      | Lending |

## External Resources

<Card title="Visit Zest Protocol" icon="arrow-up-right-from-square" href="https://zestprotocol.com">
  Access the official Zest Protocol website for more information and direct protocol interaction
</Card>

## Why Choose Zest?

* **Earn passive income** on your Bitcoin holdings
* **Transparent rates** — No hidden fees or surprises
* **Low risk** — Conservative approach to Bitcoin lending
* **Proven platform** — \$48.2M TVL demonstrates trust
* **Easy integration** — Seamless access through Staxiq

<Warning>
  While Zest is considered low risk, all DeFi protocols carry inherent smart contract and market risks. Only deposit funds you can afford to lose.
</Warning>