Money Market on Polygon

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 Polygon. A user can supply POL or ERC-20 tokens from Polygon and borrow on another network, or borrow into their Polygon 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 Polygon overlap with the Polygon swap list but are not the same set: some tokens can be supplied and borrowed on Polygon but not swapped there. Native POL is in both. Read the list at runtime, as below, or see Networks & Assets.

Supply from Polygon

Supplying an ERC-20 needs an allowance first. Native POL needs none. The allowance check reads through the Sodax instance’s Polygon RPC, so pass a working endpoint when you construct it.

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

const sodax = new Sodax({
  chains: {
    [ChainKeys.POLYGON_MAINNET]: { rpcUrl: 'https://polygon.drpc.org' }, // not the packaged default
  },
});

// find() returns XToken | undefined, so narrow before using the address
const polygonTokens = sodax.moneyMarket.getSupportedTokensByChainId(ChainKeys.POLYGON_MAINNET);
const usdc = polygonTokens.find(t => t.symbol === 'USDC');
if (!usdc) throw new Error('USDC is not a supported money-market token on Polygon');

const params = {
  srcChainKey: ChainKeys.POLYGON_MAINNET,
  srcAddress: await walletProvider.getWalletAddress(),
  token: usdc.address,
  amount: 100n * 10n ** BigInt(usdc.decimals), // 100 USDC
  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 Polygon

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

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

Build every amount from the token’s own decimals: on Polygon, USDC and USDT use 6 and most other tokens in the SODAX list use 18. withdraw and repay follow the same shape. Withdraw and borrow need no approval on any network; repaying with an ERC-20 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 Polygon

​Borrow to Polygon

​Building a lending UI

​Error handling

Supply from Polygon

Borrow to Polygon

Building a lending UI

Error handling