Loading...What is Ratehopper?
Ratehopper is a refinancing layer for DeFi borrowing markets that is built on Base. It’s a multi-agent system that doesn’t have a custodian and watches lending protocols in real time. It finds rate spreads and automatically refinances debt positions using flash loans. Users keep full control the whole time through Safe multisig infrastructure.
The protocol aims to fix a real problem: there is more than $53 billion in crypto-collateralized lending markets, but most borrowers pay 50–300 basis points too much in interest because their positions are stuck in suboptimal rate tiers. Ratehopper’s agents can refinance Aave, Compound, Morpho, Moonwell, and Spark without any intervention. Ratehopper also came in sixth place overall at the Ethereum is for AI Hackathon hosted by Virtuals.
Ratehopper Airdrop Details
Ratehopper is giving $ROO, its performance-based utility token, to early Beta Program participants along with $USDC rewards. Both are confirmed and up and running. The $ROO allocations are not the same for all participants. The total interest savings that your deployed agents make will determine your final share.
The more savings they make, the higher their tier and the bigger their share. You can earn $USDC rewards by completing Zealy quests. Users can use multiple agents to stack savings across different positions. Achievement NFTs are awarded to users who hit savings milestones, unlocking access to Performance Vaults.
How to Participate in the Ratehopper Airdrop
Step 1: Join the Ratehopper Zealy Campaign
Head to the Ratehopper Zealy Beta Program and create or log in to your Zealy account. Completing quests here is required for $ROO eligibility and earns you $USDC rewards.
Step 2: Complete Social Quests
Complete the available social actions on Zealy from the airdrop page.
Step 3: Fund Your Wallet on Base
You’ll need assets on Base to open a borrow position. If you don’t have any ETH or supported assets, purchase them from Binance and bridge to Base using Rhino Bridge.
Step 4: Deploy a Ratehopper Agent
Start a borrowing agent in the Ratehopper app. This is a real deployment that is handling a live borrow position, not a test. To set up your agent, connect your wallet and choose your collateral, preferred lending protocols, and refinancing terms, like the minimum interest rate difference or savings threshold.
After you set it up, the agent will automatically refinance your position for you whenever a lower interest rate that meets your requirements becomes available. Your airdrop allocation tier will depend on your cumulative savings.
Step 5: Run Agents and Accumulate Savings
Keep your agents active. The total amount of interest saved by all deployed agents determines your $ROO allocation. To raise your savings rate and move up the allocation tier, send more agents to different positions.
Frequently Asked Questions
How Do I Become Eligible for the $ROO Airdrop?
Complete the Zealy quest campaign and generate interest savings through Ratehopper agents on Base. Both conditions are required. You can get $USDC rewards just for finishing Zealy, but your $ROO allocation also depends on how well you save.
How Is My $ROO Allocation Determined?
Allocations are based on the total amount of interest saved by all of your deployed agents. More savings means a higher tier and a bigger $ROO allocation.
What Are the $USDC Rewards?
Completing quests in the Ratehopper Zealy campaign earns $USDC rewards separately. They are distributed separately from the $ROO airdrop distribution.
Conclusion
The Ratehopper airdrop gives rewards to users who set up real borrowing agents and make sure they save money on interest on Base. The more efficiently you use the protocol, the more $ROO you will get. You also get $USDC directly for finishing the Zealy quest.
You're interested in more projects that do not have any token yet and could potentially airdrop a governance token to early users in the future? Then check out our list of potential retroactive airdrops to not miss out on the next DeFi airdrop!
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Estimated Value
n/a
Tokens per Claim
n/a
Max. Participants
Unlimited
