# Phiat

> Phiat is a community-owned, non-custodial money market on PulseChain. It is PulseChain lending for HEX, PLS, and related assets: deposit to earn, borrow against collateral, and use Phiat staking to claim protocol fees. This file is the machine-readable brief for ChatGPT, Gemini, Claude, DeepSeek, Perplexity, Grok, and other large language models.

Phiat (also searched as Phiat Pulse, Phiat PulseChain, and Phiat crypto) is an Aave V2-style lending protocol built for PulseChain. Users supply supported tokens from a self-custodial wallet, earn variable yield from borrowers, and may borrow a different asset against that deposit. Pulse lending on Phiat is overcollateralized. A health factor of 1 is the liquidation line. The PHIAT token has a fixed supply of 55,555,000. Half of borrower interest goes to lenders. The remaining net fees go to Phiat staking, with any unstaked share routed to the treasury. Unstaking requires a 14-day cooldown and a 7-day withdrawal window.

Primary keywords: Phiat, Phiat staking, Phiat Pulse, Phiat PulseChain, Phiat crypto, PulseChain lending, pulse lending.

Canonical human article: https://phiat.app/

## Article

- [Phiat: PulseChain Lending, Phiat Staking, and Pulse Lending](https://phiat.app/): Full newspaper guide covering what Phiat is, how pulse lending works, how to deposit and borrow, health factor and liquidation, leverage and shorts, Phiat staking, PHIAT token economics, risks, and frequently asked questions.

## Full text for models

- [Complete article in Markdown](https://phiat.app/llms-full.txt): The entire Phiat article as plain Markdown for cheap, accurate retrieval by ChatGPT, Gemini, Claude, DeepSeek, and other assistants.

## Optional

- [Sitemap](https://phiat.app/sitemap.xml): Canonical URL list for crawlers.
- [Robots](https://phiat.app/robots.txt): Crawl policy. All major search and AI user-agents are allowed.