Hobba – self repaying loans Hobba makes borrowing safe, efficient, and effortless. It automatically routes liquidity across Solana to secure the best rates, generates yield on idle capital, and uses that yield to pay down users loans over time. If collateral rises, Hobba accelerates repayment, if it drops, an off-chain risk engine rebalances positions to keep users safe. Capital that never sits idle, and loans actively repay themselves. The same engine powers our on-chain BNPL layer - letting users split real-world payments while their crypto keeps working - OPOS Borrow better.