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Sovryn Zero Review 2026: 0% Interest Loans on Rootstock

Sovryn Zero is a collateralized debt position (CDP) product in the Sovryn bitcoin DeFi ecosystem on Rootstock, promoted with 0% interest loans. It holds about $18.5M in TVL, but DefiLlama lists no audits.

By the DappsAtlas editorial team · Updated Nov 4, 2026

DappsAtlas score

6.0/10

Mixed

Visit Sovryn Zero

Our verdict on Sovryn Zero

6.0/10

Sovryn Zero suits bitcoin-focused DeFi users who understand CDPs and want to borrow against collateral without paying ongoing interest, as the project advertises. Its main strengths are the non-custodial design and about $18.5M in TVL. The main caveat is that DefiLlama lists no audits, and fee and liquidation terms are not public. Treat it as a higher-risk tool, start small, and verify the terms in the app first.

Score breakdown

How Sovryn Zero scores

Security: 5.0/10
Ease of use: n/a
Fees: n/a
Features: n/a

Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.

What is Sovryn Zero?

Sovryn Zero is a collateralized debt position product tracked by DefiLlama in the CDP category. It runs on Rootstock and is part of Sovryn, a platform that describes itself as a non-custodial, permission-less smart contract system for bitcoin lending, borrowing and margin trading.

The homepage metadata highlights 0% interest loans. DefiLlama shows about $18.5M in total value locked, a 7.6% drop over the past week, and a listing date of April 2023. The platform's token is SOV, and the project is reachable on X as SovrynBTC.

One gap matters: DefiLlama lists no audits for this product. Its homepage was also not available when this was researched, so details such as collateral types, loan asset and fee mechanics are not confirmed here.

How Sovryn Zero works

A CDP lets you lock crypto as collateral in a smart contract and borrow against it. The loan must stay below a share of the collateral's value. If the collateral falls too far, the position can be liquidated to cover the debt.

Sovryn describes its overall system as non-custodial and permission-less, covering bitcoin lending, borrowing and margin trading. Sovryn Zero is the CDP part, and its homepage metadata promotes 0% interest loans. The exact collateral asset, borrowed asset and fee structure are not public, so they should be checked in the app.

Because everything runs in smart contracts on Rootstock, there is no company approving individual loans. That also means no account support to reverse mistakes, and the safety of funds rests on the code and the price data it uses.

5 features

Key features

0% interest loans

The homepage metadata promotes loans with 0% interest, the main selling point of the product.

Non-custodial design

Sovryn describes its system as non-custodial and permission-less, built on smart contracts rather than an intermediary.

Collateralized debt positions

The product is classed as a CDP: borrowers lock collateral in a smart contract and draw a loan against it.

Bitcoin-focused ecosystem

Sovryn positions itself as DeFi for bitcoin, with lending, borrowing and margin trading in the wider platform.

Rootstock deployment

It operates on Rootstock, a chain tied to bitcoin, rather than on Ethereum or other general-purpose networks.

Pros and cons

What we like

Advertises 0% interest loans, which is unusual among lending products.
Non-custodial and permission-less design: no account or intermediary holds your funds.
About $18.5M in TVL suggests real usage rather than an empty protocol.
Listed on DefiLlama since April 2023, giving it a multi-year presence.
Focused on bitcoin-related DeFi, which suits users who want exposure without leaving that ecosystem.

Watch out for

DefiLlama lists no audits for this product, so users have no third-party review to rely on.
Liquidation risk: as with any collateralized debt position, a sharp fall in collateral value can trigger forced liquidation.
Runs only on Rootstock, so liquidity and tooling depend on a single, relatively small ecosystem.
TVL fell 7.6% over the last seven days, a reminder that the capital base can move quickly.
Fee, collateral ratio and liquidation parameters are not public, so borrowers must check them before borrowing.
Its homepage was not available when this was researched, so product details rest on listings and metadata.

Sovryn Zero fees

Fee details are not public. The homepage metadata advertises 0% interest loans, but it does not say whether there are origination fees, liquidation penalties or gas costs on Rootstock.

Users would see the exact borrowing fee and collateral requirements in the Sovryn app before opening a position. Compare them with the headline claim before committing funds.

Is Sovryn Zero safe?

DefiLlama lists no audits for Sovryn Zero. Smart-contract bugs, oracle problems and Rootstock-specific risks are therefore real concerns, and the project does not mention any bug bounty or past incident review. Check the official site for audit reports before depositing meaningful funds.

The system is described as non-custodial, so users keep control of their keys, but they carry the liquidation risk of any CDP. Public sources say nothing about regulatory status. Only borrow what you can afford to lose, and keep collateral well above the liquidation level.

6 steps

How to get started with Sovryn Zero

1
Check that the official Sovryn site and app address match the one listed on DefiLlama or the project's verified social account.
2
Set up a wallet that supports the Rootstock network and add the network if needed.
3
Fund the wallet with the collateral asset and a small amount for Rootstock gas fees.
4
Open the borrowing section of the app and read the fee, collateral ratio and liquidation terms shown before confirming anything.
5
Start with a small position and keep a wide safety margin above the liquidation threshold.
6
Monitor the position regularly and know how to repay or add collateral.

Open Sovryn Zero

Who Sovryn Zero is for

This is for experienced crypto users who already hold bitcoin-linked assets, are comfortable with Rootstock wallets, and understand liquidation risk. It is not a good fit for beginners who want a fully documented, audited and insured product.

Sovryn Zero FAQs

What is Sovryn Zero?

Sovryn Zero is a CDP product tracked by DefiLlama on the Rootstock chain. It sits within Sovryn, which describes itself as a non-custodial, permission-less smart contract system for bitcoin lending, borrowing and margin trading.

Does Sovryn Zero really charge 0% interest?

The Sovryn homepage metadata advertises 0% interest loans. That does not mean borrowing is free: CDP systems often charge one-off fees or carry liquidation penalties. The specific fee terms are not public, so check them in the app.

Which blockchain does Sovryn Zero run on?

DefiLlama shows Sovryn Zero running on Rootstock (listed as rsk). No other chains are listed publicly.

Is Sovryn Zero audited?

DefiLlama lists zero audits for this product. That is not proof of a flaw, but it means readers cannot point to a published audit from these facts. Anyone considering it should look for audit reports on the official site and treat smart-contract risk as real.

Does Sovryn have a token?

Sovryn's token is SOV, according to DefiLlama. The project does not say whether Sovryn Zero itself requires holding it.

How much value is locked in Sovryn Zero?

DefiLlama shows about $18.5M in TVL, down 7.6% over seven days. The product has been listed since April 2023.

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