The decentralized
lending library
Lend and borrow books with trustless STX deposits. No middlemen. No late fees. Just Bitcoin-secured collateral that returns the moment you return the book.
How it works
Simple as a library card.
Trustless as Bitcoin.
Every transaction is on Stacks. Your deposit lives in the smart contract — not with us.
Connect your wallet
Use any Stacks-compatible wallet. Your address is your identity — no accounts, no passwords.
Browse the collection
Explore books added by the community. Each listing shows the title, author, and required deposit.
Deposit & borrow
Lock a small STX deposit into the smart contract. The contract holds it — no one else can touch it.
Return & reclaim
Return the book and call the contract. Your deposit is sent back to your wallet instantly.
Why Holdly
Built different.
Everything you need. Nothing you don't.
Non-custodial
Your deposits are held by the smart contract, not by Holdly. We have zero access to your funds.
Instant refunds
Smart contract logic triggers the deposit return the moment your return transaction confirms.
Open to anyone
No approval process. Anyone with a Stacks wallet can lend books or borrow from the community.
IPFS cover images
Book covers are pinned to IPFS via Pinata, ensuring they persist as long as the contract does.
Bitcoin-anchored
All state lives on Stacks, which settles to Bitcoin. Every borrow is as durable as the blockchain.
Flexible deposits
Book owners set the deposit amount they're comfortable with when listing their book.
Ready to borrow?
Join the decentralized library. Borrow books with trustless collateral. Every deposit returned. Every transaction on-chain.