Time-Based Loans: Case Study via Treasury

Teller Protocol

• 2 min read
Time-Based Loans: Case Study via Treasury

Most protocol teams sit on treasuries made up of long-tail coins and their own native token. These reserves are designed to fund growth, pay contributors, and extend runway — but actually putting that capital to work can be complex.

Selling tokens impacts price and signaling.
Lending markets often exclude long-tail assets.
On-chain liquidity typically comes with liquidation risk.

Teller offers a new model:
Time-based loans backed by treasury assets — with fixed repayment terms and zero price-based liquidations.

This gives protocol teams a way to borrow stablecoins from their own treasury, without selling tokens or exposing themselves to market risk.

This allows teams to borrow stablecoins from their own treasury — without selling tokens or exposing themselves to market volatility.

✅ Case Study Example: Protocols Can Use Treasury to Access 250K+ USDC

A DeFi protocol may need working capital in USDC. Instead of selling tokens or negotiating OTC deals, they can borrow directly against their native token holdings using Teller.

Loan Snapshot*

Collateral: 2M tokens
Borrowed: 250,000 USDC
Term: 30 days
Fixed interest: 6%
Loan extensions: Yes
Liquidation risk: None

*metrics provided as example

🔍 Why This Strategy Works

The protocol avoids common pitfalls of treasury financing:

✅ No forced token sales

Kept tokens off the market, avoiding price pressure.

✅ No price monitoring

Even as markets shifted, the loan stayed intact. Repayment wasn’t affected by volatility.

✅ Known cost from day one

6% APY, fixed repayment — no surprises, no fluctuating interest.

✅ Full control retained

Collateral remained untouched. Once repaid, it was returned 1:1.

📈 The Outcome

These loans help prove that treasury-backed, time-based loans are a viable DeFi primitive. The approach contributed to over millions in on-chain loan volume using long-tail tokens as collateral — all without selling or margin risk.

🧠 Why Protocol Treasuries Are Using Teller

Teller is built for teams managing long-tail token treasuries:

FeatureWhat It Enables
Time-based loansBorrow without liquidation triggers
Fixed repayment termsKnow the capital cost up front
ERC-20 token supportUse any owned token, no whitelist needed
Safe-compatibleBorrow directly from multisig or EOA

Whether the treasury is managed through a Safe Wallet or standard wallet, unlock working capital without disrupting token supply.

⚙️ How to Set Up a Treasury Lending Pool

If the protocol holds native or long-tail ERC-20 tokens in treasury:

  1. Reach out on Twitter, Discord, or Telegram
  2. Teller can launch a time-based lending pool in under 24 hours
  3. Borrow directly using a Safe or EOA
  4. Deploy stablecoins immediately — and repay at term or rollover

🔁 Turn Idle Treasury Into Usable Capital

Protocol teams can unlock liquidity from their token reserves — without selling, without dilution, and without margin call risk.

Teller makes this available to any team with treasury assets and a need for stablecoins.

Ready to activate long-tail tokens in treasury? Reach out.

Official Teller links below: