Money Market on BNB Chain

Fragmented money markets mean lower capital efficiency and worse rates. The SODAX money market pools lending liquidity on the hub while letting users act from any supported network, including BNB Chain. A user can supply BNB or BEP-20 tokens from BNB Chain and borrow on another network, or borrow into their BNB Chain account against collateral held elsewhere, without your product running its own lending infrastructure. Four actions, all through sodax.moneyMarket: supply, borrow, withdraw, repay. Each has a complete one-call form (handles the relay end-to-end) and a create*Intent form when you want the transaction only. The assets that work in the money market from BNB Chain overlap with the BNB Chain swap list but are not the same set; native BNB is in both. Read the list at runtime, as below, or see Networks & Assets.

Supply from BNB Chain

Supplying a BEP-20 token needs an ERC-20 allowance first. Native BNB needs none.

import { Sodax, ChainKeys } from '@sodax/sdk';

const sodax = new Sodax();

// find() returns XToken | undefined, so narrow before using the address
const bscTokens = sodax.moneyMarket.getSupportedTokensByChainId(ChainKeys.BSC_MAINNET);
const usdt = bscTokens.find(t => t.symbol === 'USDT');
if (!usdt) throw new Error('USDT is not a supported money-market token on BNB Chain');

const params = {
  srcChainKey: ChainKeys.BSC_MAINNET,
  srcAddress: await walletProvider.getWalletAddress(),
  token: usdt.address,
  amount: 100n * 10n ** BigInt(usdt.decimals), // 100 USDT (18 decimals on BNB Chain)
  action: 'supply',
} as const;

const allowance = await sodax.moneyMarket.isAllowanceValid({ params });
if (!allowance.ok) throw allowance.error;
if (!allowance.value) {
  const approval = await sodax.moneyMarket.approve({ params, walletProvider });
  if (!approval.ok) throw approval.error;
  // wait for the approval to be mined before supplying
}

const result = await sodax.moneyMarket.supply({
  params,
  walletProvider, // IEvmWalletProvider, narrowed by srcChainKey
  timeout: 120_000, // optional relay timeout (default 120 s)
});

Borrow to BNB Chain

dstChainKey and dstAddress default to the source, but any supported network can be the destination. That is the cross-network story in one parameter: collateral supplied from one network, borrowed liquidity delivered to another.

const bnUSD = bscTokens.find(t => t.symbol === 'bnUSD');
if (!bnUSD) throw new Error('bnUSD is not a supported money-market token on BNB Chain');

const result = await sodax.moneyMarket.borrow({
  params: {
    srcChainKey: ChainKeys.BSC_MAINNET,  // where the caller acts from
    srcAddress: userBscAddress,
    token: bnUSD.address,                      // token on the destination network
    amount: 50n * 10n ** BigInt(bnUSD.decimals), // 50 bnUSD
    action: 'borrow',
    dstChainKey: ChainKeys.BSC_MAINNET,   // deliver on BNB Chain
    dstAddress: userBscAddress,
  },
  walletProvider,
});

Build every amount from the token’s own decimals. On BNB Chain, USDC and USDT use 18, so a 100 USDT supply is 100n * 10n ** 18n there and 100n * 10n ** 6n on most other networks. Build each amount in the units of the token on the network it is sent from or delivered to. withdraw and repay follow the same shape. Withdraw and borrow need no approval on any network; repaying with a BEP-20 token needs an allowance, like supply.

Building a lending UI

sodax.moneyMarket.data exposes what you need for rates, positions, and health factors without extra indexing:

getReservesHumanized(): all reserves, human-readable.
getUserReservesHumanized(spokeChainKey, userAddress): a user’s positions.
formatReservesUSD(request) / formatUserSummary(request): USD-converted reserves and portfolio summaries.

Error handling

The module returns typed results. Discriminate on result.error.code ('RELAY_TIMEOUT', 'EXECUTION_FAILED', …) with structured context on result.error.context.

Full reference, including intent-only methods, gas estimation, and the per-method error-code table: Lend / Borrow (Money Market).

​Supply from BNB Chain

​Borrow to BNB Chain

​Building a lending UI

​Error handling

Supply from BNB Chain

Borrow to BNB Chain

Building a lending UI

Error handling