Bonds.org is a pioneer in decentralized asset lending on Cardano - one of the first DeFi protocols to allow Cardano enthusiasts to take full advantage of lending and borrowing opportunities in a completely non-custodial fashion. Following the Vasil hard fork, Cardano has undergone exciting new changes to the ecosystem. In addition to great improvements in network capacity and reduced transaction costs, developers are now empowered to create decentralized asset lending solutions.
Forged during the 2022 crypto winter, Bonds.org dedicated all resources to becoming the go-to place for instant lending and borrowing opportunities. As the gateway to liquidity on Cardano, Bonds.org offers accessible, low-cost financing to borrowers in need of liquid loans. Borrowers can borrow without the need to liquidate their crypto assets; lenders can earn a substantial interest rate for meeting the liquidity needs of others.
Because the protocol is completely decentralized and non-custodial, you do not have to worry about some central authority interfering with the smooth functioning of the free markets. Decentralized lending is the safe option for your liquidity needs since there are no security risks associated with the human factor. The whole process is completely free of censorship and does not involve the element of trust.
V1 Peer-to-Peer Lending
Bonds.org utilizes an orderbook model, where different actors (lenders or borrowers) can place borrow or lend requests. Requests are ordered by interest percentage, thus creating an orderbook. The smart contract is the agreement between two sides, which holds funds (collateral and initial loan amount), variables (conditions), and is responsible for enforcing loan execution/conditions.
Loans will have time limitations, where the loan is valid for a limited amount of time set by the user. After the time has passed, the loan is liquidated, and the collateral ownership is transferred to the lender.
NFT ownership (bonds). There will be two types of NFTs: borrower and lender. Each will represent ownership of the loan (from either side). Meaning we are not attaching to a user wallet address, but to an NFT bond instead. These non-fungible tokens are transferable, which means that a new type of a market will be created within the NFT space.
V2 Fractional lending implementation
Fractional lending. The loan created by lender can be accepted by an unlimited number of borrowers, until the loan is fully covered (sort of user-centric pools).
Incentivization. Each major action will be rewarded with Bond tokens, which will be transferred from the reward smart contract. Working principle is pretty similar to farming, where Loan smart contract will mint equivalent Bond reward tokens, transfer them to rewards smart contract, which will burn these derivative tokens and transfer real Bond tokens to user. There will be reward allocation in tokenomics. Rewards will be given until rewards smart contract is depleted/out of funds.
V3 Pooled lending
Liquidation and Bond reward mechanisms will also fit this. V3 won't replace the peer-to-peer model, it will be an addition to it. This will be an equivalent of AAVE on Cardano, where lent funds are pooled into one place and borrowed from the very same place, thus eliminating the need for peer-to-peer interactions. Interest rate is calculated based on different factors, including pool fund utilization, associated asset risk, supply and demand (in smart contract level).
On-chain staking
The Decentralized Finance world is an evolution within the blockchain and cryptocurrency industry as it brings a whole new opportunity for earning multiple passive income streams. The incentives, rewards, and safety DeFi provides to the users of the platform are pushing smart contract interaction to ever higher levels. With an on-chain staking protocol, Bonds.org provides the utility for projects and their token holders to utilize passive income. Staking is a great tool to sustain project token price and reduce the potential selling pressure. This is a smart contract-based solution where the funds are locked on chain and can be withdrawn without many blockers, like KYC, lockup periods, min/max buy-ins and such.
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