OASER Dashboardpreview
A common reference for onchain secured funding · Methodology v5 · backtest data to
OASER
U.S. Treasury bills · no haircut · ≈100% collateralised
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anchored to SOFR · floor of the family
Latest SOFR published before the fixing. Cash-equivalent collateral: no volatility model, no spread.
OASER-G
Allocated, redeemable gold · 4.74% haircut · 105% collateralised
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OASER + —
OASER-B
Bitcoin · 33⅓% haircut · 150% collateralised
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OASER + —
Rate explorer
Collateral is fixed; the rate moves. OASER-G and OASER-B are OASER plus the expected loss a lender bears on days the collateral moves by more than its cushion, priced from the day's volatility, the liquidity term and the full residual history since 2015, with a floor of 20 bps (gold) and 10 bps (bitcoin). Left: as published. Right: change the haircut, volatility or liquidity and see the rate the same formula would give.
Rates, every calendar day ·
Window:
Scale:
All-in rates, % annualised, on every calendar day 2015–2026: OASER at the latest published SOFR; OASER-G and OASER-B at OASER plus the published spread. A spike is a one-day expected loss annualised (600% is the form of a 2.4% loss on a one-day loan). Log scale keeps calm years and crisis days both legible. Source: OASER rate engine v5 on real market data; gold and T-bill inputs carry on days their market has produced no bar.