Back to homePractice opening a vault
Vault Simulator
Practice opening a vault
before testnet launches.
The Vault Engine lets you deposit XEL as collateral and borrow xUSD against it. This simulator uses the real protocol parameters (50% max LTV, 200% liquidation ratio, 2% stability fee, 13% liquidation penalty). Adjust the sliders and watch your health factor move in real time.
Inputs
≈ $1294.00 USD
XEL
0 XEL1000 XEL
max $647.00
xUSD
0 xUSD647 xUSD
simulate market
$
$0$100
At testnet launch, this price will come live from the StakedOracle contract. For now, you can drag it to see how market movements affect your vault.
Health Factor
2.59
Safe · comfortably above liquidation
1.00 (liquidation)1.25 (warning)1.75 (safe)3.00+
Loan-to-Value
38.64%
max 50.00%
Collateral Value
$1294.00
100 XEL
Liquidation Price
$10.00
−22.7% from current
Stability Fee
10.00 xUSD
2% APR per year
Vault is openable
When testnet launches Aug 30, this configuration will be a valid vault.
Why these numbers? XELIS Vault uses encrypted balances via Twisted ElGamal, so your position is private on-chain. The health factor is computed by the VaultEngine contract using the StakedOracle price feed. Liquidations are processed by a sealed-bid auction — no front-running, no MEV extraction. Read more in the whitepaper ↗.
Real testnet launches in
Revised Launch Countdown
10
Days
20
Hours
01
Minutes
19
Seconds
Revised target: August 30, 2026 · 14:00 UTC
Connect your Xelis wallet on August 30 at 14:00 UTC to open a real vault with real testnet XEL. Every transaction is encrypted — your balance, your debt, and your liquidation price stay private.