Doga
Doga lets your users lock crypto on-chain and borrow local fiat currency — Kenyan Shilling, Nigerian Naira, Ghanaian Cedi — through regulated payment-service-provider (PSP) rails. The borrower's debt is denominated, accrued, and settled in the same currency they earn in.
| Network | Base mainnet (chain id 8453) |
| Settlement asset | USDC |
| Available currencies | KES, NGN, GHS |
| Available collateral | WETH, wBTC, USDC |
Three integration surfaces
| Smart Contracts | Call the protocol directly from Solidity, ethers, viem, or any EVM client. Every Doga contract is on Base mainnet. | → Contracts |
| REST API | Hosted, keyless. Reads protocol state. For writes, returns ready-to-sign transaction calldata. Your wallet signs. | → API |
| MCP Server | Drop-in connector for LLM agents (Claude, Cursor, Continue). 75 typed tools + protocol docs as MCP resources. | → MCP |
What you'll build
- A lending app that lets a Kenyan user collateralise ETH and receive KES via M-Pesa.
- A liquidator bot that watches positions and earns the liquidation bonus.
- A risk dashboard that surfaces every position, FX rate, and protocol parameter.
- An AI agent that reasons about positions and submits transactions on its principal's behalf.
Quick start
The fastest path depends on what you're building:
| You are… | Start here |
|---|---|
| Building a frontend | API › Frontend Integration |
| Calling contracts directly | Contracts › LendingCore |
| Wiring an LLM agent | MCP › Connecting Agents |
| Operating a liquidator | Contracts › LendingCore § Liquidations + API › /lending |
| Just learning how it works | Protocol Overview |
Why a fiat-denominated loan
A Kenyan user holds 1 ETH worth ~KES 416 000. Their school fees are KES 150 000. Their options today:
- Sell 0.36 ETH on an exchange. Pay capital-gains tax. Lose upside.
- Borrow 1 150 USDC on Aave. Convert to KES off-chain. Now they owe USDC — if KES weakens 7 % over six months, their effective KES debt grew 7 % through no fault of their own.
- Take an unsecured local loan at 100 %+ APR. Unaffordable.
Doga collapses this into one path: lock 1 ETH, receive KES via M-Pesa, owe exactly KES + KES-denominated interest. The protocol absorbs FX risk on its balance sheet and prices it into the KES/NGN/GHS interest spread.