# JustLend Basics: Supply, Collateral, Borrow—Step by Step Guide 2025

By [Untitled](https://paragraph.com/@0xb383d5f23b47a76b8e68096cc1d8f78829ad6f7f) · 2025-09-05

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[**JustLend**](https://justlend-v1.com/) is TRON’s flagship on-chain money market. In 2025, the most compelling, _current_ play for new and seasoned users alike is a **Stablecoin Ladder Strategy**—a disciplined, low-volatility approach to earning predictable on-chain yield while keeping liquidation risk close to zero.

**Quick start:** open the official app at [**JustLend**](https://justlend-v1.com/).

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Why a Stablecoin Ladder Now?
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Stablecoins dominate on-chain settlement flows, and JustLend’s money-market model converts that demand into **variable but steady** supply APY. A **ladder** staggers deposits and rebalances on a calendar cadence so you can:

*   Smooth out APY swings over time.
    
*   Automate risk with pre-set rules (no “edge-sitting”).
    
*   Keep a clean paper trail for taxes and performance tracking.
    

The result is a _boring-on-purpose_ income engine that holds up across market regimes.

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How JustLend Works (Quick Primer)
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*   **Supply → Earn → jTokens:** Deposit a supported stablecoin; you receive an interest-bearing representation that auto-accrues.
    
*   **Optional collateral:** You _can_ toggle collateral to unlock borrowing—but the ladder works best **unlevered** or with **tiny** leverage.
    
*   **Algorithmic rates:** Borrow APR and supply APY adjust with **utilization** (borrowed ÷ supplied).
    
*   **Risk levers:** Collateral factors, caps, reserves, and pause switches (where implemented) shape market resilience.
    

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The Stablecoin Ladder Strategy (Overview)
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1.  **Three rungs, one goal:** Split capital into **three equal tranches** (“rungs”) with different deposit and review dates (e.g., Day 1, Day 11, Day 21).
    
2.  **Calendar cadence:** Every **10 days**, review exactly one rung—roll it forward, harvest, or top up.
    
3.  **Risk floor:** Run **unlevered** to start. If you later add leverage, cap effective leverage at **≤1.3×** and keep a **25–40% buffer** above liquidation.
    
4.  **Stop rules:** If APY drops below your hurdle or utilization spikes, roll that rung into a safer market or pause additions until conditions normalize.
    

This design keeps you **active** without micromanaging—and avoids timing everything on a single day.

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Step-by-Step: Building Your Ladder on JustLend (2025)
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**Open & connect** → Welcome to [**JustLend**](https://justlend-v1.com/) and connect a TRON-compatible wallet (e.g., TronLink; hardware wallets via Web3).  
**Choose the base market** → Start with one liquid stablecoin market you understand. Confirm APY, caps, and recent utilization behavior.  
**Fund Rung A (Day 1)** → Supply ~⅓ of your capital. Keep the position **unlevered** at first.  
**Fund Rung B (Day 11)** → Supply the second ⅓. If conditions improved (spread, utilization), you may add a _tiny_ loop—only if comfortable with liquidation math.  
**Fund Rung C (Day 21)** → Supply the final ⅓.  
**Every 10 days, rotate:** Review the next rung in line—harvest, add, or rebalance. If borrow APRs/conditions look worse, just hold or shift markets.  
**Document everything:** Log deposits, APY snapshots, utilization notes, and any changes (and _why_). A simple journal compounds discipline.

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Optional: Adding a Tiny Loop (Only If It Clearly Pays)
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If the **spread** (Supply APY − Borrow APR) **comfortably** clears your hurdle **after** fees and a risk cushion, consider a **micro-loop**:

*   Cap effective leverage at **1.2×–1.3×**.
    
*   Maintain **health ≥ 1.40**; if it falls below **1.30**, repay same day.
    
*   Loop only on **one** rung while you learn; keep the other two unlevered.
    

If the spread tightens or volatility clusters hit, unwind the loop and go back to unlevered.

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Risk Controls You’ll Actually Use
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*   **No edge-sitting:** Unlevered by default; tiny leverage only with clear edge and strict stops.
    
*   **Utilization watch:** When markets run hot (utilization high), expect wider rate swings and slower exits—stage withdrawals if needed.
    
*   **Correlation discipline:** If you ever enable collateral, avoid highly correlated baskets.
    
*   **Governance hygiene:** Parameter changes (LTVs, caps) can alter limits—skim updates weekly.
    
*   **Cash buffer:** Keep a small wallet reserve to **repay instantly** if you added a loop and health dips.
    

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Fees & Cadence (Why Your Calendar Matters)
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*   **Supply APY / Borrow APR** are variable—preview in-app before confirming.
    
*   **Protocol reserves** take a slice of interest (indirect cost to suppliers).
    
*   **Network costs** on TRON are low, but frequent micro-moves still add up—your 10-day cadence **batches** decisions and preserves net yield.
    

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KPIs to Track Weekly
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*   **APY trend** of your chosen market(s).
    
*   **Utilization** and any cap changes.
    
*   **Your ladder P&L**: deposits, accrued interest, realized harvests.
    
*   **If looped:** health, borrow APR, spread; alert if health < 1.35.
    

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Common Pitfalls (and Fixes)
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*   **Chasing the top APY daily:** Fix—respect the ladder. Review one rung every 10 days only.
    
*   **Adding leverage because you’re bored:** Fix—loop only when spread comfortably beats fees + safety margin.
    
*   **Ignoring utilization:** Fix—stage exits in hot markets; don’t assume instant withdrawals.
    
*   **No journal:** Fix—write one line per action. You’ll thank yourself later.
    

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Security, Audits & Transparency
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*   **Open-source contracts** enable community review and third-party audits; see [**JustLend GitHub**](https://justlend-site.github.io/)
    
*   **Pause/guardian** controls (where implemented) help during emergencies.
    
*   **On-chain telemetry** (utilization, caps, rates) lets you verify conditions in real time.
    

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Who This Strategy Fits
----------------------

*   **New users** who want steady, low-volatility income without complex hedging.
    
*   **Busy pros** who prefer a reliable cadence over daily micromanagement.
    
*   **Cautious loopers** who treat leverage as a _tool_ with hard stop rules.
    

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Authoritative Sources
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*   [CoinGecko — JUST (JST)](https://www.coingecko.com/en/coins/just): token profile, markets, historical data
    
*   [CoinMarketCap — JUST (JST)](https://coinmarketcap.com/currencies/just/): market cap, supply, exchanges
    
*   [TRON Ecosystem Blog/Docs](https://cryptoslate.com/blockchain/tron/): network updates, developer notes, and risk disclosures.
    

_(APY and TVL are dynamic—always verify in the app and analytics before acting.)_

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JustLend DAO FAQ (2025)
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**Do I need JST to run the ladder?**  
No. JST is for **governance**. Supplying/withdrawing works without it.

**What makes the ladder better than one big deposit?**  
Time-staggering smooths APY variance, reduces timing risk, and gives you regular chances to react without constant micromanagement.

**Is leverage required?**  
No. The ladder is designed **unlevered**. Add a tiny loop only if the spread clearly beats costs _and_ you enforce strict health rules.

**Can I withdraw anytime?**  
Usually, yes—but during **high utilization** windows, exits may slow. Stage withdrawals.

**How do I scale this from $500 to $50,000?**  
Keep the three-rung structure, size each rung proportionally, and maintain the same calendar cadence and stop rules.

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Conclusion
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The **Stablecoin Ladder** is a 2025-friendly way to turn JustLend into a **low-volatility income engine**—without living at your screen or flirting with liquidation. Stagger deposits, review on a schedule, and only add small, rule-based leverage if the spread truly justifies it. When you’re ready to put a rung in place, launch the app at [**JustLend**](https://justlend-v1.com/) and start small—then scale what works.

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*Originally published on [Untitled](https://paragraph.com/@0xb383d5f23b47a76b8e68096cc1d8f78829ad6f7f/justlend-basics-supply-collateral-borrow-step-by-step-guide-2025)*
