Borrow
Borrow MUSD against BTC from chat or the app. You see the 0.1% fee, fixed interest, ratio and liquidation price before you sign. Loans Mezo would reject are blocked.
Built on Mezo · live on testnetBorrow against
Borrow against
your Bitcoin.
Spend it in Telegram.
Keel turns your BTC into a dollar account. Borrow MUSD on Mezo without selling, let a guardian protect the loan from liquidation, and pay anyone, even friends without a wallet.
Non-custodial: you sign every action in your own wallet. No testnet BTC? Try the demo.
Safety ratio180.0%● Safe
🛡Guardian protected your loan160% → 179.9% from your reserve
↗Sent 20 MUSDto @ada · confirmed on Mezo
Your Bitcoin shouldn't sit idle, and you shouldn't have to sell it to live. Keel lets you borrow dollars against it on Mezo, keeps the loan safe while you sleep, and turns those dollars into payments anyone can receive, right where you already chat.
Product
Everything a Bitcoin holder needs, in one account.
Guardian protection
Your loan lives in your own guardian contract. When the ratio falls below your trigger, a permissionless keeper tops it up from a reserve you funded. Nothing else.
Risk alerts
Liquidation distance, your place in Mezo's redemption queue and Recovery Mode, each with a one-tap fix that opens ready to sign.
Payments
Send MUSD to any @username, split bills with live cards, and send claim links to people without a wallet. They claim in one step; Keel pays the gas.
Guardian
Protection that acts while you sleep.
- BTC fallsYour loan is healthy at 185%. The price drops and the ratio slides toward your 170% trigger.
- The keeper actsBelow the trigger, anyone may call protect(). Keel's keeper does, within a minute.
- The reserve tops upThe guardian moves BTC from your reserve into the loan: back to 180%. It can't move funds anywhere else.
- Too small a reserve?Guardian v2 rescues as far as the reserve allows and tells you exactly how much BTC to add.
On Mezo testnet the keeper took a real loan from 159.9% to 179.9% in about a minute. See the transactions.
Payments
Pay anyone. Even without a wallet.
Every payment settles in MUSD on Mezo and shows as sent only once it's confirmed.
↗Send“send 20 to @ada for lunch”
Split · Dinner90 MUSD · 3 people@bob paid · 2 to go
🎁Claim link · 5 MUSDNo wallet needed · Keel pays the gas
Send
To any @username on Keel or any 0x address. The recipient gets a Telegram notice.
Split bills
Equal, custom or percentage shares. A live card fills in as each payment confirms on-chain.
Claim links
Escrowed in KeelPay. Share a link; the recipient claims in one step. Unclaimed links refund after 72 hours.
MezoMUSDBitcoinTelegramBuilt on Mezo
Real MUSD, real Bitcoin collateral, contracts you can read.
Guardians call Mezo's BorrowerOperations directly and read TroveManager, PriceFeed and SortedTroves. Every rule (110% MCR, 1,800 MUSD minimum, Recovery Mode) is built into each quote.
- KeelGuardianFactory v2
0x8557…79E1✓ verified - KeelGuardian v2 implementation
0xCCF7…E8eF✓ verified - KeelPay v2
0x3777…740d✓ verified - KeelPro
0x59b1…8654✓ verified - KeelGuardianFactory v1
0x44AA…2E49✓ verified - KeelGuardian v1 implementation
0x07F4…445D✓ verified - KeelPay v1
0xa0C5…Ee29✓ verified
Live from Mezo testnetAll stats and transactions
Reading the chain…
Dig deeper
Drag or swipe → · Deck also as PPTXPDF
Pitch deck
Problem, product, Mezo integration, business model and roadmap. PDF, opens in a new tab.
DocsDocs
How Keel works: borrowing, the Guardian, payments, security and contracts.
ContractsVerified contracts
Every Keel contract, v1 and v2, with its verified source on the Mezo explorer.
StatsLive stats
Guardians, loans and keeper protections, read straight from the chain.
CodeGitHub
Contracts, bot, Mini App and tests. GPL-3.0.
Try Keel on Mezo testnet.
Free testnet BTC from the Mezo faucet is all you need. Or look around first with sample data.
Or try the demo, no wallet needed →