magpie
Live on Solana mainnet

Borrow SOL.
Keep your bag.

Memecoin-collateralized lending, delivered in a Telegram chat. Pledge your bag, get SOL in seconds, repay on your schedule.

Launch on TelegramHow it works
<10s
Funded
1.5%
Flat fee
30%
Max LTV
Built on
Solana
Anchor
Pyth
Jupiter
Telegram
No credit checkNon-custodial1.5% flat feeRepay anytimeTop-up anytimeLive health alertsOn-chain liquidationSolana mainnetNo credit checkNon-custodial1.5% flat feeRepay anytimeTop-up anytimeLive health alertsOn-chain liquidationSolana mainnet
How it works

Four taps.
You're funded.

Magpie wraps a Solana lending program in a Telegram bot. Pledge memecoins as collateral, receive SOL instantly, repay on your own schedule.

01
Open @magpie_capital_bot
Start a chat. Verify your wallet. No seed phrase — keys stay yours, exportable anytime.
02
Get an instant quote
Pick a tier and a bag. Live oracle pricing shows your payout and liquidation price before you sign.
03
Deposit your bag
Send to a loan-scoped address. SOL hits your wallet when the deposit confirms — usually under ten seconds.
04
Manage or repay
Top-up, partial-repay, or extend anytime. Repay fully to reclaim your bag. Alerts fire at 90% health and 24h-to-due.
Magpie
bot · online
Quote ready 📎
Pledge 8,000 WIF
Get 3.25 SOL · 30% LTV · 2d
Fee 1.5% · repay 3.30 SOL
Confirm
Send to:
5fh2K8...xP3q8Qz1
Watching on-chain
✓ Deposit confirmed
3.25 SOL sent to your wallet
8.2s · sig 4k2p...9mNz
Why Magpie

The quiet lender for loud bags.

01
Non-custodial
Loan-scoped deposit addresses. Your other holdings are untouchable. Export your keys anytime.
02
Transparent pricing
One flat 1.5% origination fee. No hidden rate curves, no dynamic APR, no variable haircuts.
03
Liquidation-safe
Only the pledged bag can be liquidated — never your wallet. On-chain, auditable, deterministic.
04
Telegram-native
No new app. No extension. No seed phrase in a browser tab. Just a chat and a confirm button.
Lending tiers

Pick your risk.
Pick your payout.

Higher LTV means more SOL per bag, but less room to liquidation. Longer terms give the market time to breathe.

Most SOL
Express
30%
LTV
2 days · 1.5% flat fee
Best for
Degens catching a pump
  • Highest LTV available
  • Fastest turnaround
  • Short-term conviction
Quick
25%
LTV
3 days · 1.5% flat fee
Best for
Weekend trades
  • Balanced risk profile
  • Room for volatility
  • Most popular
Standard
20%
LTV
7 days · 1.5% flat fee
Best for
Patient holders
  • Most headroom to liquidation
  • Week-long runway
  • Lowest stress
Every tier includes non-custodial deposit, partial-repay anytime, extend for 1.5%, and live health alerts.
Get a quote →
Questions

What you'll want to know.

01
What tokens can I pledge?
Any Solana SPL memecoin with sufficient on-chain liquidity and oracle coverage. The bot shows eligible bags from your wallet automatically.
02
What happens if the price drops?
You get a health alert at 90% and 24 hours before due. You can top-up more collateral, partial-repay, or extend — all in the chat. Miss all of that and only the pledged bag is liquidated to cover the loan.
03
How fast is this really?
A typical end-to-end flow is under 30 seconds. The SOL payout lands as soon as your deposit confirms on Solana mainnet, usually in 8–12 seconds.
04
Do I need to lock the full collateral upfront?
Yes — collateral funds the loan. But you can add more anytime to improve your health ratio, or partial-repay to reduce what you owe.
05
Is this custodial?
No. Magpie generates a fresh deposit address per loan. You can export the private key from the bot at any time. We never hold your other assets.
06
What's the smart contract?
An Anchor program deployed on Solana mainnet. Source is publicly auditable. Liquidations and fee flows are deterministic and enforced on-chain.

Your bag's worth
more liquid.

Stop selling the bottom. Stop missing entries. Borrow against what you hold.

Open @magpie_capital_botView dashboard