Granite is a decentralized lending protocol built on Stacks that lets users borrow stablecoins by posting sBTC as collateral. It focuses on protecting borrowers by avoiding forced liquidations, supporting flexible repayment, and ensuring collateral remains untouched.

Key borrower-first features

• Soft Liquidations: Granite only liquidates the minimum amount needed to return the position to a healthy state where the position’s LTV is lower than the Liquidation LTV.
• No Rehypothecation: Your sBTC collateral is isolated and never reused or lent to other parties.
• No repayment schedule: As long as your loan-to-value (LTV) stays healthy, there's no timeline for payback.
• Offline alerts: Monitor your loan health via wallet-integrated tracking and external push notifications. Granite is powered by sBTC, which brings BTC-backed guarantees into the Stacks smart contract layer. You retain the security of Bitcoin while unlocking DeFi tools that enable you to use stablecoins and keep your BTC exposure.

Using Granite with Leather

Leather integrates with Granite to help you:

• Deposit sBTC and open a borrowing position
• Track your LTV ratio and liquidation buffer
• Repay or rebalance at your own pace
• Use stablecoins within the broader Stacks ecosystem This makes it easy to put your BTC to work—without giving it up.