Terms of service

Last updated 26 September 2026

These terms cover sbor.xyz, the SBOR data files and API, and the SBOR MCP server. Using any of them means accepting these terms.

What SBOR is

SBOR is a free benchmark of lending rates for Bitcoin DeFi, read from public lending contracts and published once a day, with reference rates beside it. No account, key or payment is needed.

Market data, not advice

SBOR publishes market data. It is not financial, investment, legal or tax advice, and it does not recommend any transaction. A comparison against the benchmark, including the default suggestion to stop and ask a human when a borrowing rate is more than 50 basis points above it, is information to help you decide. The decision stays with you.

No guarantee

SBOR is provided as is. A figure can be late, withheld or wrong. Published fixings are never rewritten, and corrections to published figures are listed in CORRECTIONS.md. Check a rate at its source before acting on it. The service can change, pause or stop at any time.

Using the data

The data is free to use, including commercially, under CC BY 4.0, with attribution to SBOR and sbor.xyz. The code is open source under the MIT license. Do not present SBOR as endorsing a product, a venue or you, and do not use the service in a way that disrupts it for others.

Liability

To the fullest extent the law allows, SBOR is not liable for any loss arising from using or relying on its data, its tools or this website.

Changes and contact

If these terms change, the date above changes with them. Questions: [email protected].