Hobba is a prime broker for onchain loans. Users deposit collateral like cbBTC or SOL, borrow USDC against it, and the yield generated by their collateral automatically pays down the loan in the background - often resulting in a negative net borrow rate. Under the hood, Hobba aggregates the best lending and yield venues on Solana (Kamino, JupLend, Perena) and rebalances positions to maximize the spread between supply yield and borrow cost, so users get the upside without doing it manually