3️⃣ Lending & Borrowing

Fuul allows projects to incentivize both lenders and borrowers, giving you the flexibility to reward the specific behavior that matters most for your protocol.

What You Can Incentivize

Side	What's tracked	Example use case
Lending (supply)	Amount supplied relative to total pool deposits	Grow TVL by rewarding depositors
Borrowing	Amount borrowed relative to total pool borrows	Drive utilization by rewarding borrowers

How Fuul Tracks Positions

Fuul supports two approaches for fetching lending and borrowing data:

• Receipt / debt tokens — track the balance of protocol-issued tokens (e.g., aTokens, cTokens) that represent a user's supply or borrow position

• Subgraph queries — fetch positions directly from a protocol's subgraph for real-time on-chain balance tracking

Both methods calculate each user's share of the total pool, ensuring proportional and accurate reward distribution.

Why Use Fuul for Lending & Borrowing?

• Target supply or demand — choose whether to incentivize lenders, borrowers, or both

• Accurate on-chain data — positions are fetched directly from the blockchain or subgraphs

• Works with major protocols — native integrations for Compound V3, Morpho, and others