- Lending: Users can supply assets to the protocol to simply earn competetive interest generated by borrower demand and usage of the system.
- Borrowing: Collateral tracked by PoC is instantly eligible to secure loans. Borrow and risk limits are set algorithmically according to protocol-wide safety parameters and live collateral values (as referenced in PoC).
- Key features:
- All interest, repayments, and risk triggers are automated and linked directly to each user’s state.
- Asset withdrawals and borrows are both guarded by immediate health checks using up-to-date PoC data.
How It Works
- Request & Risk Checks
- Users initiate borrow or lend transactions via market contracts.
- Before any action is finalized (borrow, withdraw, repay), the contract checks the user’s PoC record for up-to-date collateral, yield, borrow status, and health factor.
- Automated Interest & Risk Enforcement
- Interest on borrows accrues at protocol-defined rates and is accounted for in PoC on a rolling basis.
- Protocol only allows new borrows or withdrawals if they’ll keep you within safety margins; otherwise, the operation is instantly blocked.
- Liquidation Protection
- If debt or market movements put your health factor below safe limits, the protocol enables anyone (incl. “keeper” bots) to trigger repayment/liquidation, using your available on-chain collateral.
- Audit Trails & Integration
- All lending/borrowing actions and risk state changes emit events for external analytics, dashboards, and integrators.
- Lenders and integrators can always verify their risk by querying user PoC states.
Lend/Borrow Markets convert productive collateral into working liquidity, always safeguarded by live PoC risk checks.