Stake.
Prompt.
Deposit your tokenized stocks. Inferest earns them the highest APY across Morpho, Aave and more, and pays it into your OpenRouter account, so your holdings cover your AI.
- Up to 10.5% APR
- Withdraw any time
- Router: up to 70% off AI · soon
- Ondo
- Morpho
- Aave
- Uniswap
- Programmable
- OpenRouter
- Ondo
- Morpho
- Aave
- Uniswap
- Programmable
- OpenRouter
TOKENS
Stock tokens in
Deposit Ondo stock tokens: TSLAon, NVDAon, AAPLon, MSFTon, SPYon or QQQon. The vault records your share and never sells it.
Interest, three ways
Lending fees and rewards from Morpho and Aave, plus a USDC carry on Balanced and Max. Swept every Monday.
AI tokens out
The interest lands as OpenRouter credit, ready for Claude, GPT, Gemini, DeepSeek, Llama and the rest.
01 / How it works
Your stocks pay for your AI.
Deposit once. Inferest puts your shares to work at the best rate it can find, pays the yield into your OpenRouter account, and soon routes every request to the cheapest model that does the job.
- 01
Deposit your stocks
Deposit tokenized stocks into the Inferest vault contracts. The vault records your share and never sells a single one.
- 02+ MORE
Earn the highest APY
The vault lends them across Morpho, Aave and other curated markets, and keeps moving to whichever pays the most.
- 03
Get free AI credit
Every Monday the yield is converted to USDC and added to your OpenRouter account. Your holdings pay for your AI.
- 04SOON · −70%
Spend it smarter
Coming soon: our router sends each request to the cheapest model that can handle it, cutting your AI bill by up to 70%.
02 / Returns
Three sources of yield, one pipe to your models.
Pick a strategy to see the pipes it opens. Hover any part of the map to follow it. Every rate here is an illustrative estimate, after Inferest’s fee.
How your deposit earns
03 / Paid in credit
One balance, every model on OpenRouter.
Interest lands in your own OpenRouter account as ordinary credit. Spend it from any OpenAI-compatible client, with the keys you already use.
Frontier models
- Claude
- GPT
- Gemini
- Grok
Open weights
- Llama
- DeepSeek
- Qwen
- Mistral
Where it runs
Code editors · Agents · CLIs · Chat apps
Your keys
OpenAI-compatible · Same API key · No new SDK
Sample statement
“A $25,000 TSLAon position on Balanced pays for about 24 million Claude Sonnet tokens a month.”
Illustrative · 7.6% after the fee · swept every Monday
- Oct 01 · TSLAon interest
- +$36.12
- Oct 08 · TSLAon interest
- +$35.71
- Oct 15 · TSLAon interest
- +$36.88
- Oct 22 · TSLAon interest
- +$36.40
- Credited this month
- $145.11
04 / Smart router · Coming soon
Spend up to 70% less on every prompt.
Most requests don't need the most expensive model. The Inferest router reads each one and sends it to the cheapest model that can do it well, so your credit stretches further. Same OpenRouter key, no code changes.
How a request gets routed
01 / Your request
“Refactor this function and add tests for the edge cases.”
code · 2.1k tokens
02 / Inferest router
- 01Reads what the request needs
- 02Scores every model on quality and price
- 03Sends it to the cheapest one that clears the bar
Picks · Claude Sonnet
03 / Models on OpenRouter
- Claude OpusAnthropicUSUAL$30
- GPT-5OpenAI$12
- Claude SonnetAnthropicPICKED$9
- Gemini FlashGoogle$0.90
- DeepSeek V3DeepSeek$0.70
- Llama 3.3 70BMeta$0.40
Prices per 1M tokens, blended and illustrative. The router is in development; savings depend on your mix of requests.
05 / Choose the pace
Three strategies. One question: how hard should your shares work?
Steady
Up to 4.1% APR
Lends your shares and nothing else.
Range2.0%–4.1%USDC loanNoneLiquidationNeverRiskLowestBalanced / Most chosen
Up to 7.6% APR
Also borrows USDC at 25% of the position and supplies it to a curated vault.
Range5.4%–7.6%USDC loan25%LiquidationIf shares fall 64%RiskModerateMax
Up to 10.5% APR
Borrows USDC at 45% of the position for the widest carry and incentives.
Range8.4%–10.5%USDC loan45%LiquidationIf shares fall 36%RiskHigher
06 / About Inferest
A calmer way to pay for AI.
Your principal never leaves the vault. Only the yield rides out, straight to your models, and the router makes every dollar of it go further.
10.5%
Top rate, Max on TSLAon, after the fee
0
Shares the vault will ever sell
70%
Less spent on AI with the smart router (soon)
01
Shares stay yours
The vault never sells your stock tokens. Steady never borrows against them; Balanced and Max borrow at a capped loan-to-value and repay long before liquidation.
02
Only interest moves
What leaves the vault is the interest your tokens earned, nothing more, sent to OpenRouter on a fixed schedule.
03
Leave whenever
Withdraw at any time, limited only by the liquidity in the lending market at that moment.
04
Markets you can read
Lending happens on Morpho and Aave, in public markets whose rates, caps and positions anyone can inspect onchain.
07 / Common questions
Answers for people who would rather keep their shares.
Do I keep my exposure to the stock?
Yes. The vault holds the same stock tokens you deposited and never sells them. If the share price moves, your position moves with it, exactly as it would in your wallet. The one exception is a liquidation on Balanced or Max, which the vault works to avoid by repaying its loan early.
How does Inferest find the highest APY?
The vault watches the lending markets it supports, today Morpho and Aave, with more to follow, and moves your position to whichever pays the most after costs. It only uses curated markets with deep liquidity, and it never sells your shares to chase a rate.
What is the smart router?
A coming feature. Instead of sending every request to one premium model, the router reads each request and picks the cheapest model on OpenRouter that can handle it well. For a typical mix of coding, chat and summaries that cuts the bill by up to 70%, so the same credit goes much further. It will work with your existing OpenRouter key.
Where does the yield come from?
Three places. Borrowers on Morpho and Aave pay interest to use your tokens; both protocols pay incentives on top; and on Balanced and Max the vault borrows USDC against your shares and supplies it to a curated vault that pays more than the loan costs. Every rate floats, so some weeks pay more than others.
How do the credits reach OpenRouter?
You connect an OpenRouter account once. Every week, the vault sweeps accrued interest, converts it to USDC and tops up that account. The credit shows up in your balance like any other top-up.
Why do Balanced and Max pay more?
Because they take more risk. They borrow USDC against your shares at 25% or 45% of the position and keep the spread between the curated vault's yield and the borrowing cost, plus borrow-side incentives. If the shares fall far enough, the loan could be liquidated; the vault repays debt automatically long before that point.
Which stock tokens will be accepted?
We plan to start with the most liquid Ondo Global Markets tokens for equities and index funds, such as TSLAon, NVDAon, AAPLon, MSFTon, SPYon and QQQon, and add more as lending markets for them open. The final list ships with the first vault.
What are the risks?
Smart-contract risk in the vault and in the lending markets, liquidity risk when withdrawing, and the ordinary price risk of the stocks themselves. Yield can fall to zero when nobody is borrowing. Nothing on this page is investment advice.
What does it cost?
Inferest keeps 10% of the interest it sends to OpenRouter, and every rate on this site is already shown after that fee. Deposits and withdrawals are free apart from network gas.
Can I use the app today?
You can try it. The app is a working preview with a simulated wallet and simulated balances, so you can deposit, switch strategies and sweep credit without any real funds moving.
08 / Start
Bring your stocks. Leave with credits.
Put in a position size to see what it pays for each month, then open the app and try it with a simulated wallet.
AI credit each month
$158