The quiet lender
for loud bags.

Magpie exists because we believe your bags should work for you — not sit idle while you miss opportunities.

The thesis

Billions locked.
Zero options.

Memecoins represent over $50 billion in market cap on Solana alone. Holders are emotionally invested — they won't sell the bottom, won't take profits, won't rotate. But they need SOL. For gas. For the next play. For real life.

Traditional DeFi lending ignores memecoins entirely. Aave won't touch them. Solend lists a handful. The result? Billions in dormant capital with no way to unlock liquidity without selling.

Magpie changes this.

We accept the tokens nobody else will. We deliver SOL in seconds, not hours. And we do it all inside Telegram — where the memecoin community already lives.

What we built

DeFi that fits in
a chat window.

01
Telegram-Native Lending
The first lending protocol that lives entirely in a chat. No dApp, no browser extension, no seed phrase in a tab.
02
64+ Memecoin Collateral
From WIF to Fartcoin to Moo Deng. If it has liquidity, we'll lend against it.
03
On-Chain Credit System
The first DeFi credit score for memecoin lending. Build reputation. Unlock better rates.
04
Points & Rewards
Earn points on every successful loan. Bigger loans, riskier tiers, and repayment streaks multiply your rewards.
05
Sub-10-Second Funding
Deposit confirms, SOL arrives. The entire flow takes less time than reading this card.
By the numbers

Built to perform.

64+
Approved Tokens
<10s
Average Funding Time
1.5%
Flat Fee
3
Lending Tiers
850
Max Credit Score
24/7
Live on Solana
Open source

Auditable by default.

Magpie is fully open source. Both the site and the bot are publicly available for audit, contribution, and competition entry.

View on GitHubBuilt for hackathons. Built to win.
Roadmap

Where we're headed.

Q1 2026Complete

Protocol launch, Telegram bot, 64 token support

Q2 2026Complete

Credit system, loan calculator, open source release

Q3 2026

Multi-chain expansion (Base, Arbitrum), governance token

Q4 2026

Mobile app, institutional lending pools, DAO launch

Our values

Three pillars.

01
Transparency

One fee. No hidden rates. Open source code. What you see is what you get.

02
Accessibility

If you can use Telegram, you can borrow SOL. No DeFi expertise required.

03
Security

Non-custodial. On-chain liquidation. AES-256 encryption. Your keys, your coins.

Join the flock.

Your bags are sitting idle. Put them to work.