Onchain Abu Dhabi Secured Earnings Rate · near risk-free overnight benchmark for USD lending · anchored to SOFR
OASER—latest · · ★ placeholder, live feed pending
Cash equivalents
Bank-issued stablecoin + T-bills
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OASER flat · +0.00%
Cash-like collateral. No model-based spread.
Gold
Haircut 4% · 104% collateralised · daily
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OASER + —
Bitcoin
Haircut 33⅓% · 150% collateralised · daily
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OASER + —
Risk-neutral rate explorer
OASER is the floor: no lender goes below the risk-free rate, whatever the collateral. The spread above it is the expected loss from price moves that exceed the collateral buffer, priced off the engine's own volatility, liquidity and residual history. Left: the model as published. Right: change the haircut, scale volatility or liquidity, or type your own numbers.
Cash equivalents
Fixed · OASER flat · no adjustment
Historical rates ·
Window:Scale:
All-in lending rate, % annualised: OASER plus the model spread at the published haircut, daily horizon. OASER history shown at its SOFR anchor. Spikes are single-day expected-loss readings annualised; the log scale keeps calm years and crisis days both legible. Source: OASER inverted engine v2 on real market data, 2015–2026. ★ Live data feed pending.