Nivela Finance

Nivela is a sovereign borrowing protocol that enables users to unlock liquidity without selling their assets. Built on BNB Smart Chain, it introduces a permissionless and censorship-resistant money market powered by four core tokens: • NIV – the deflationary governance token with a rising floor price. • nUSD – an over-collateralized stablecoin redeemable 1:1 with USDC through the PSM. • veNIV – a governance and collateral token offering up to 98% LTV. • stnUSD – a yield-bearing staking token distributing 75% of protocol revenue. Nivela redefines borrowing with high LTV ratios, quasi-fixed rates, and a sustainable revenue-sharing model — all without backers, intermediaries, or centralized control. MONEY UNBOUND.