# Lendr.fi Overview

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FAzcENwSoLps4PZcm37ix%2FLendr%20Banner.png?alt=media&amp;token=9e0f506e-296a-4834-bc45-28ad6c40a5ff" alt=""><figcaption></figcaption></figure>

{% hint style="warning" %}
This documentation is actively being updated for V2.1, changes are still being made.
{% endhint %}

## What is Lendr?

Lendr brings the world’s most familiar investments—stocks, ETF, gold, real-estate, and more—directly onto the blockchain as tokens with built in additional yield from market-neutral trading strategies.

Lendr accomplishes this by creating the world's first liquid-staked real world asset tokens for any asset class that can be used anywhere in DeFi.

{% hint style="success" %}
Speak with an AI bot trained on this documentation in our [telegram group](https://t.me/lendrnetwork/1) with /paal or here:  [Lendr Documentation AI Bot](https://app.paal.ai/cs?bid=0vskvp92\&cid=0) (Note: AI tools are not always accurate!)
{% endhint %}

***

## Mission / Vision

**Mission.** Globalizing access to every real world asset class with deeper liquidity and superior returns compared to web2.

**Vision.** A future where every asset class is readily available on-chain to use in diversified portfolios and novel protocols/strategies. Tradable 24/7, instantly transferable, no minimum purchase amounts or major barriers to entry.&#x20;

**Equal financial opportunities for all.**

***

## Problems Solved

Lendr tackles four persistent frictions that keep real‑world assets out of reach for most investors:

<table><thead><tr><th width="305.207763671875">Pain Point</th><th width="441.8787841796875">How Lendr Eliminates It</th></tr></thead><tbody><tr><td><strong>Limited Global Access to Blue‑Chip Real World Assets (RWAs)</strong></td><td>Tokenizes top assets like the S&#x26;P 500, gold, U.S. real‑estate, and sector ETFs (AI, Healthcare, etc.) into tokens that are multi-chain, DEX accessible, &#x26; legally compliant.</td></tr><tr><td><strong>Illiquidity &#x26; Slow Settlement</strong></td><td>Converts traditionally slow‑moving assets into 24 / 7, self‑custodied tokens that can be swapped, staked, or bridged in seconds.</td></tr><tr><td><strong>Missed Yield Opportunities</strong></td><td>Off-Chain: Market neutral and low-risk trading strategy yields are automatically added to Lendr RWA token returns.<br>On-Chain: Lendr RWA tokens are compatible with existing DeFi protocols.</td></tr><tr><td><strong>Opaque Security &#x26; Trust</strong></td><td>Publishes Proof‑of‑Reserve and subjects smart contracts to independent audits and bug‑bounties.</td></tr></tbody></table>

***

## Unique Value Proposition

Lendr distinguishes itself in the rapidly growing RWA‑tokenization space through:

<table data-header-hidden><thead><tr><th width="263.177490234375"></th><th></th></tr></thead><tbody><tr><td><strong>Liquid‑Staked RWA Tokens</strong></td><td>Full RWA price exposure <strong>plus</strong> auto‑compounded market-neutral yield built directly into on-chain RWA tokens. <br>Ethena-like protocol architecture.</td></tr><tr><td><strong>Seamless DeFi Composability</strong></td><td>Lendr's RWA Tokens integrate with DEXes and existing DeFi protocols, unlocking new RWA yield opportunities and global liquidity.</td></tr><tr><td><strong>Enterprise‑Grade Partnerships/Accelerators</strong></td><td><ul><li>Circle - Alliance </li><li>Avalanche - Codebase</li><li>Chainlink - BUILD</li><li>Animoca Brands/Brinc - ZK Advancer</li></ul></td></tr><tr><td><strong>Regulation‑Aware Architecture</strong></td><td>Lendr uses a ERC‑3643 compliance layer to maintain multi-jurisdictional regulatory compliance and pave the way for future U.S. rollout.</td></tr><tr><td><strong>Security by Design</strong></td><td>Regular third‑party audits, bug‑bounty programs, enterprise grade oracles, proof of reserves, and tier 1 custodial partners underpin Lendr.fi's technical infrastructure.</td></tr></tbody></table>

Together, these pillars make Lendr the first platform to deliver **liquid, yield‑enhanced, institution‑grade real‑world assets** with DeFi compatibility to a truly global audience.

***

## How Lendr Works (30‑second flow)

1. **Swap** – Trade 1 : 1 USDC → **USDL**.
2. **Deposit USDL** – Pick an RWA vault (S\&P500, Gold, etc.) and receive a **Liquid Staked RWA Token** that tracks the asset + extra yield (from low-risk/market neutral trading strategies).
3. **Earn & Withdraw** – Yield auto‑accrues in the token price; swap freely or redeem for stablecoins whenever you’re ready.

***

## Lendr Token Line‑up

<table><thead><tr><th>Token</th><th width="475.4935302734375">Role in the system</th><th>Bridgeable?*</th></tr></thead><tbody><tr><td><strong>USDL</strong></td><td>USD stablecoin, fully collateralized entry/exit coin</td><td>✅</td></tr><tr><td><strong>LsRWA Tokens</strong></td><td>RWA asset <strong>+</strong> extra yield (lsSP500, lsGOLD, lsUSRE, lsUSAI)</td><td>❌</td></tr><tr><td><strong>RWAL</strong></td><td>Governance &#x26; utility token; Stake to earn protocol rewards</td><td>✅</td></tr></tbody></table>

\*USDL & RWAL bridge via LayerZero; each LsToken has one USDL vault per chain.

***

## RWA Vaults & Target Extra Yield

| Vault       | Underlying exposure       | Added yield target\*      |
| ----------- | ------------------------- | ------------------------- |
| **lsSP500** | S\&P 500 ETF shares       | RWA + 2 – 3 % Added Yield |
| **lsGOLD**  | Vaulted Gold / GLD ETF    | RWA + 1 – 2 % Added Yield |
| **lsUSRE**  | U.S. Real‑Estate REIT ETF | RWA + 2 – 4 % Added Yield |
| **lsUSAI**  | AI & Robotics Equity ETF  | RWA + 3 – 5 % Added Yield |

\*Net of fees; actual returns vary with market conditions.

## Safety at a Glance

* Backed 1 to 1 with collateral held by a regulated custodian
* Chainlink Proof‑of‑Reserves
* Built-in insurance fund
* Tier‑1 audits & live bug‑bounty program

{% hint style="success" %}
Lendr.fi is a member of the Circle Alliance, Avalanche Codebase, Chainlink BUILD, and Animoca Brands/Brinc accelerator/partnership programs, and has won 1st place prizes in BNB Chain and Chainlink Hackathons from 1inch and Truflation. [Learn more here.](/general-documentation/partnerships-and-awards)
{% endhint %}


# Core Values

These values serve as guiding principles for Lendr, helping to shape the company's culture, decision-making, and future directions. They should be reflected in the actions, strategy, and communications of the company.

***

## **Security**

* Protecting our users' assets and data is our number one priority. We continually invest in best-in-class security measures and practices to ensure that our platform remains a bastion of safety in the evolving digital landscape.

View our security practices [here](/general-documentation/security-and-audits).

## Compliance

* Sustainable innovation lives inside the law. Lendr takes steps to ensure compliance in as many jurisdictions as possible. We believe that having compliant access to multiple jurisdictions gives our protocol a competitive edge and is the best practice for our long term vision.&#x20;

## **Transparency**

* At Lendr, we operate with an open-book mentality. We believe that keeping our processes, decisions, and motivations transparent builds trust, drives understanding, and fosters collaboration both internally and with our community.

Meet the Lendr team [here](https://lendr.fi/team).

## **Decentralization**

* We champion the power and potential of decentralized systems. By embracing decentralization, we promote a more equitable, open, and resistant financial ecosystem that empowers individuals and reduces systemic vulnerabilities.

## **Community**

* Our community is the backbone of Lendr. We value the insights, feedback, and passion of our users. By placing them at the center of our operations, we ensure that our solutions are truly tailored to the needs and aspirations of those we serve.

Join the Lendr communities [here](/general-documentation/official-social-media).

## **Growth**

* At the heart of Lendr is a commitment to growth, not just in terms of protocol metrics but in knowledge, innovation, and the development of our team and community. We consistently push boundaries and seek opportunities to expand our impact.

View our [roadmap](/general-documentation/old-roadmap) and [long term vision](/general-documentation/long-term-vision).

## **Global Initiatives (Social Good)**

* Beyond finance, we are driven by a mission to make a tangible positive difference in the world. Our Global Initiatives are testament to our commitment to channel resources, efforts, and innovations towards social good on an international scale.

Our team has previously donated over $135,000 USD to charity. A small portion of the RWAL total supply is dedicated to future social initiatives (to be controlled by a DAO).


# V2.1 Improvements Summary

A quick side-by-side look at what changed from **V1 (CDP-based, over-collateralized loans)** to **V2.1 (liquid-staked RWA architecture)** and why it is better for users, institutions, and developers.

<table><thead><tr><th width="128.12554931640625">Area</th><th>V1 – Old Design</th><th>V2.1 – New Design</th><th width="209.25982666015625">Why It’s Better</th></tr></thead><tbody><tr><td><strong>Core Model</strong></td><td>Users borrowed against crypto (over-collateralized). <br>Risk of liquidation.</td><td>Users swap into <strong>USDL</strong> and stake into <strong>LsRWA</strong> vaults. No loans, no liquidations.</td><td>Simpler, no liquidations, no over-collateralization. More capital efficient. </td></tr><tr><td><strong>Extra Yield</strong></td><td>Passive RWA exposure only.</td><td>Vaults run low-risk, strategies that boost RWA returns by ≈ 2-5 % a year.</td><td>Higher returns without extra steps.</td></tr><tr><td><strong>Compliance</strong></td><td>Geo-blocks only at the website/UI level.</td><td>Wallets pass a one-time KYC and can use RWA tokens anywhere.</td><td>Ready for institutions, multiple jurisdictions, and future U.S. roll-out.</td></tr><tr><td><strong>Safety Buffer</strong></td><td>RWAL stakers back system.</td><td><strong>Asset Reserve Fund (ARF)</strong>, refills automatically from fees. RWAL stakers back system secondarily.</td><td>Clear redundant protection against rare losses.</td></tr><tr><td><strong>Peg Control</strong></td><td>Relied on outside traders.</td><td>Outside traders and in-house bot trades to keep USDL near $1.</td><td>Tighter peg variance.</td></tr><tr><td><strong>Governance &#x26; Rewards</strong></td><td>Issuance and redemption fee share.</td><td>Stake RWAL to vote and earn issuance, redemption and performance fees.</td><td>Community shares in growth and governance.</td></tr></tbody></table>


# Why RWAs On-Chain?

Real‑world assets (RWAs) such as stocks, gold, and real‑estate dominate global wealth—yet remain trapped in siloed, slow, and costly Web2 rails. Bringing them onto open blockchains solves multiple structural bottlenecks at once.

<table><thead><tr><th width="322.74462890625">Legacy Pain</th><th>Lendr's On‑Chain Solution</th></tr></thead><tbody><tr><td><strong>Access barriers</strong><br>Siloed assets, minimum balances, geographical limitations.</td><td>Verify your wallet and swap, transfer, or stake any asset instantly and globally, 24 / 7. Use in any protocol.</td></tr><tr><td><strong>Illiquidity &#x26; slow settlement</strong><br>Transfers can take days, partial shares unavailable.</td><td>Instant global transfers. 18 decimals fractionalization. Global liquidity.</td></tr><tr><td><strong>Slow Web2 &#x3C;> Web3 Bridges</strong><br>Time consuming on/off ramps, multiple layers of risk.</td><td>Instant swaps on chain, no need to leave web3.</td></tr><tr><td><strong>Opaque custody</strong><br>Investors rely on monthly PDFs and opaque fund admin.</td><td>Chainlink Proof‑of‑Reserve; anyone can audit collateral in real time.</td></tr></tbody></table>

***

## What “tokenized” really means

1. A regulated custodian holds the underlying RWA assets.
2. Lendr mints **LsRWA Tokens** when users stake USDL in RWA vaults.
3. Verified wallets can freely transfer, stake or lend LsRWA tokens inside existing DeFi protocols.
4. Users retain full price exposure *plus* the extra yield that accrues automatically in the token’s price. (Added yield comes from off-chain market neutral or low risk trading strategies on underlying assets)

***

## Benefits in plain language

* **Own blue‑chip assets from anywhere** (except restricted regions).
* **Earn more without extra risk** – neutral strategies run “in the background,” boosting returns while your principal stays fully exposed to the asset.
* **Earn additional yield** – use LsRWAs in existing DeFi protocols to earn additional yield.
* **Instant, global liquidity** – swap tokens in seconds instead of waiting days.
* **See everything on‑chain** – collateral, audits, insurance buffer and fees are public.

**Bottom line:** Bringing RWAs on‑chain—backed by a light‑touch KYC process—delivers the access, liquidity, yields, and novel on-chain strategies that legacy finance can’t match, while satisfying today’s compliance reality.


# USDL - Lendr’s Stablecoin

Ticker: USDL | Peg:  1  US Dollar | Type: ERC‑20 + LayerZero OFT

**USDL** is Lendr’s USD‑pegged, fully‑collateralised ERC‑20 stablecoin.\
It's main purpose: **the entry‑rail into every LsRWA Vault**—you swap USDC (or another stable) for USDL, stake in an RWA vault, and later withdraw returns back in USDL.

## Getting USDL

<table><thead><tr><th width="234.57000732421875">Method</th><th width="278.51092529296875">Steps</th><th>Notes</th></tr></thead><tbody><tr><td><strong>Direct Swap (launch phase)</strong></td><td>Connect wallet → swap USDC → USDL 1:1 in the dApp.</td><td>0 Fees during launch phase.</td></tr><tr><td><strong>DEX Pools</strong></td><td>Trade on Uniswap‑V3 (Ethereum) or Trader Joe v2 (Avalanche).</td><td>DEX or CEX fees apply.</td></tr><tr><td><strong>Cross‑Chain Bridge</strong></td><td>Use the “Bridge” tab to send USDL Ethereum ↔ Avalanche.</td><td>LayerZero OFT Bridge.</td></tr></tbody></table>

## Using USDL

<table><thead><tr><th width="202.82391357421875">Action</th><th>How it works</th><th>Why you’d do it</th></tr></thead><tbody><tr><td><strong>Stake in an LsRWA Vault</strong></td><td>Deposit USDL → receive LsToken (e.g., lsSP500). </td><td>Capture full asset exposure <strong>plus</strong> 2 – 5 % low-risk/market‑neutral yield.</td></tr><tr><td><strong>Withdraw</strong></td><td>Burn LsTokens → USDL claim starts 7‑day timer → claim USDL when unlocked.</td><td>Gives the custodian time to unwind RWA positions and transfer returns on-chain.</td></tr><tr><td><strong>Provide USDL Liquidity</strong></td><td>Add USDL to approved USDL/USDC pools and earn swap fees.</td><td>Extra yield if you prefer DEX fees over vault staking.</td></tr></tbody></table>

## Contract Addresses

| Network           | USDL (OFT)    | Bridge Endpoint             |
| ----------------- | ------------- | --------------------------- |
| Ethereum Main‑net | `0x…` *(TBA)* | LayerZero Endpoint `0x66A…` |
| Avalanche C‑Chain | `0x…` *(TBA)* | LayerZero Endpoint `0x3c5…` |


# LsRWA Tokens - Liquid‑Staked Real World Assets

Tickers: lsSP500 · lsGOLD · lsUSRE · lsUSAI Chains: Ethereum & Avalanche (one native vault per chain)

## What Are LsRWA Tokens?

An **LsToken** represents:

1. **1‑for‑1 exposure** to a blue‑chip real‑world asset basket (e.g., S\&P 500 ETF shares).
2. **Auto‑compounded low-risk/market‑neutral yield** (≈ 2–5 % APY) generated by multiple trading strategies managed off‑chain by regulated desks.

The token’s share‑price adjusts daily as yield accrues; no manual claiming needed.

## Current RWA Token Line‑Up

<table><thead><tr><th width="150.05914306640625">Token</th><th width="460.952392578125">Underlying basket</th><th width="149.9710693359375">Extra yield target*</th></tr></thead><tbody><tr><td><strong>lsSP500</strong></td><td>S&#x26;P 500 ETF (SPY)</td><td>2–3 %</td></tr><tr><td><strong>lsGOLD</strong></td><td>Gold (GLD ETF)</td><td>1–2 %</td></tr><tr><td><strong>lsUSRE</strong></td><td>U.S. Real Estate (REIT ETF)</td><td>2–4 %</td></tr><tr><td><strong>lsUSAI</strong></td><td>AI &#x26; Robotics (ETF)</td><td>3–5 %</td></tr></tbody></table>

\*Net of fees; performance varies with market conditions.

## How to Mint & Earn

<table><thead><tr><th width="80.4573974609375">Step</th><th>Action</th><th>Result</th></tr></thead><tbody><tr><td><strong>1</strong></td><td>Swap USDC → <strong>USDL</strong></td><td>Entry rail (see USDL page).</td></tr><tr><td><strong>2</strong></td><td>Deposit USDL into a chosen vault</td><td>You receive LsRWA Tokens at the current <em>price per share</em>.</td></tr><tr><td><strong>3</strong></td><td>Hold or use LsRWA Tokens</td><td>Asset exposure <strong>+</strong> yield accrual.</td></tr><tr><td>4</td><td>Use LsRWA Tokens in DeFi protocols</td><td>Additional yield.</td></tr></tbody></table>

## Withdrawing

1. **Burn LsTokens** → vault queues the USDL amount owed.
2. **7‑day unlock** lets the custodian unwind RWA positions/strategies.
3. **Claim USDL** → receive USDL matching asset value and strategy returns.

## Where Can I Use LsRWA Tokens?

* **Provide liquidity** in compliant DEX pools (e.g., lsSP500/USDL).
* **Future lending markets**—partner protocols are integrating.
* **Cross‑strategy portfolios**—combine multiple LsRWA Tokens for diversified yield.

## Contract Addresses

| Chain     | Vault   | Address\* |
| --------- | ------- | --------- |
| Ethereum  | lsSP500 | `0x…`     |
|           | lsGOLD  | `0x…`     |
|           | lsUSRE  | `0x…`     |
|           | lsUSAI  | `0x…`     |
| Avalanche | lsSP500 | `0x…`     |
|           | lsGOLD  | `0x…`     |
|           | lsUSRE  | `0x…`     |
|           | lsUSAI  | `0x…`     |

\*Final addresses will be published after audit completion.

**In short:** LsRWA Tokens give you institutional‑grade exposure to the world’s cornerstone assets **and** a built‑in stream of extra yield— tradable 24 / 7, DeFi compatible, redeemable in one click, and secured by on‑chain transparency.


# RWAL - Governance Token

Ticker: RWAL | Total Supply: 1  Billion (Fixed) | Standard: ERC‑20 + Chainlink CCIP Bridging

## What Is RWAL?

RWAL is the **governance and utility token** that gives the community new ways to participate in the Lendr Protocol. Holders can:

* **Vote** on protocol upgrades, new vault listings, and fee parameters.
* **Backstop** – in extreme events, a portion of staked RWAL can recapitalize vaults after the SAFU Insurance fund.
* **Earn** - In exchange for insuring the protocol, stakers earn a share of all RWA performance fees.

## Token Economics

| Metric           | Value                            |
| ---------------- | -------------------------------- |
| **Total Supply** | 1,000,000,000 RWAL (hard‑capped) |

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FxDGLRP5U3X2XmYvD7SA2%2Fallocations.png?alt=media&amp;token=1f67844f-b4ed-43c4-a517-dcd164cd3e22" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FQ6VwhMooxOxYE9OpT2P5%2FScreenshot%202025-08-01%20185042.png?alt=media&amp;token=44ee0af1-3cbb-4e13-83f0-f4234eeaf364" alt=""><figcaption></figcaption></figure>

These tokenomics are subject to change, for a more detailed breakdown visit: [RWAL Tentative Tokenomics](https://docs.google.com/spreadsheets/d/1aro-xJkOpTC6lrQRTypyU85iw6pIa200vYKAE3qjFeU/edit?gid=103958638#gid=103958638)

## Staking RWAL

<table><thead><tr><th width="71.22216796875">Step</th><th width="258.3463134765625">Action</th><th>Result</th></tr></thead><tbody><tr><td><strong>1</strong></td><td>Deposit RWAL into the xRWAL  vault</td><td>Receive xRWAL shares at current price‑per‑share.</td></tr><tr><td><strong>2</strong></td><td>Vault auto‑harvests fees</td><td>Performance fees from all LsRWA vaults swap to RWAL and raise share‑price.</td></tr><tr><td><strong>3</strong></td><td>Unstake anytime</td><td>Burn xRWAL → receive RWAL + accrued fees.</td></tr></tbody></table>

Note: Staking represents insuring the protocol for emergency situations, and users are rewarded for participating.&#x20;

## Contract Addresses

The RWAL token code is now public and can be found here: <https://github.com/Lendr-Network/RWAL-Token>

The code is currently being audited by our security partner Quantstamp, a top 5 web3 auditing firm: <https://quantstamp.com/>

| Chain     | $RWAL       | xRWAL Vault |
| --------- | ----------- | ----------- |
| Ethereum  | `0x…` (TBA) | `0x…`       |
| BNB Chain | `0x…`       | `0x…`       |
| Avalanche | `0x…`       | `0x…`       |


# Quick Start Guide

Get from zero to earning yield with Lendr in just a few minutes.

## 1. Prerequisites

<table><thead><tr><th width="124.90191650390625">✅</th><th>What you need</th><th>Notes</th></tr></thead><tbody><tr><td>Wallet</td><td>MetaMask, Rabby, Coinbase Wallet, WalletConnect v2, or Core</td><td>Hardware wallets supported via MetaMask.</td></tr><tr><td>Network</td><td>Ethereum <strong>or</strong> Avalanche C‑Chain</td><td>Gas token (ETH / AVAX) for fees.</td></tr><tr><td>KYC (Coming Soon)</td><td>Government ID + selfie (≈ 2 min)</td><td>Required once to whitelist your wallet (no U.S. or sanctioned regions).</td></tr><tr><td>USDC Stablecoin</td><td>USDC</td><td>Used to buy USDL.</td></tr></tbody></table>

## 2. Get Whitelisted (Coming Soon)

1. Click **“Verify Wallet”** in the dApp.
2. Complete KYC flow (SumSub).
3. You’ll see a green “Verified” badge once your address is on the on‑chain registry.

After doing this once, you can use Lendr's RWA tokens anywhere in Web3.

*Time: 2–3 minutes*

## 3. Acquire USDL

*Best for first‑time users, no swap fees*

1. Open **Swap** tab or visit your favorite DEX (Uniswap, LFJ).
2. Input USDC amount → Review gas → **Swap**.
3. USDL appears in your wallet. (May need to add contract address to see tokens)

### 4. Stake into an real world asset (RWA) Vault

1. Navigate to **Earn** → choose a vault (e.g., **lsSP500 for Enhanced S\&P 500**).
2. You receive liquid staked RWA (LsRWA) Tokens instantly; yield begins accruing automatically.
3. Click **Deposit**, enter USDL amount.
4. Approve USDL (first time) → Confirm deposit.

### 5. Use LsRWAs in DeFi

1. Use LsRWA tokens in DeFi protocols/integrations to generate additional yield.&#x20;

### 6. Monitor Returns

* **Dashboard** shows live portfolio value and APY.
* Yield is auto‑compounded, no claim button needed.

### 7 Withdraw

1. Click **Withdraw** on your vault position.
2. Confirm amount → transaction queues your USDL.
3. After **7 days**, hit **Claim** to receive USDL returns.

### 8. (Opt.) Stake RWAL to Earn Rewards

1. Buy RWAL on the launch DEX/CEX.
2. Deposit to **x**RWAL vault.
3. Earn a proportional cut of performance fees—auto‑compounded into RWAL.

*Unstake anytime; no lockup.*

### 9 Stay Secure

* Double‑check contract addresses (see *Contract Addresses* page).
* Never share seed phrases—support will **never** ask.
* Bookmark the official site: [**https://lendr.fi**](https://lendr.fi)

### Troubleshooting

<table><thead><tr><th width="217.57861328125">Issue</th><th>Fix</th></tr></thead><tbody><tr><td>“KYC not verified”</td><td>Ensure wallet matches the address you submitted.</td></tr><tr><td>Transaction stuck</td><td>Check gas; try “Speed Up” or cancel and retry with higher fee.</td></tr><tr><td>Withdrawal timer reset</td><td>Each new withdraw restarts the 7‑day clock—queue full amount once to avoid resets.</td></tr></tbody></table>


# Where the Yield Comes From

LsRWA Tokens give you **100 % price exposure** to the underlying asset **plus** **additional APY** (i.e. 2-5% APY).\
That additional return is generated by multiple “overlay” strategies that run in the background at our regulated custodian/broker, always hedged so your net market exposure stays unchanged.

Some of these strategies include futures basis, insured lending, covered-call overwrites, etc. as well as novel on-chain strategies with web3 protocols and safe assets such as stablecoins or US treasury back tokens.&#x20;

### Yield Flow

1. **Daily P\&L report** — Custodian calculates net profit / loss across all overlays and assets.
2. **Vault Update** — Ops posts the figure on‑chain; vault/LsRWA token share‑price moves accordingly.
3. **Performance fee** — 20 % of positive P\&L is sent to the FeeRouter; 80 % is sent in the staking vault. A majority of this fee is sent to RWAL stakers.
4. **Auto‑compounding** — Your LsRWA Token price rises; no action required to realize gains.

## Risk Management

Max drawdowns, low leverage, independent oversight, and working directly with risk management companies are just some of the ways Lendr ensures strategy risk is robustly managed. &#x20;


# Contract Addresses and Bridging

Below are the **only** official addresses for Lendr’s smart‑contracts at launch.\
Bookmark this page and always cross‑check before interacting—scams often publish look‑alike contracts.

## Core Token Addresses

| Network           | USDL (OFT) | RWAL (OFT) | xRWAL Vault |
| ----------------- | ---------- | ---------- | ----------- |
| Ethereum Main‑net | `0x1a2b…`  | `0x5F6c…`  | `0xA11c…`   |
| Avalanche C‑Chain | `0x1a2b…`  | `0x5F6c…`  | `0xA11c…`   |

*Final addresses will be verified on Etherscan post‑audit.*

***

## LsRWA Vaults

<table><thead><tr><th width="149.31744384765625">Vault</th><th>Ethereum</th><th>Avalanche</th></tr></thead><tbody><tr><td><strong>lsSP500</strong></td><td><code>0xB001…</code></td><td><code>0xC001…</code></td></tr><tr><td><strong>lsGOLD</strong></td><td><code>0xB002…</code></td><td><code>0xC002…</code></td></tr><tr><td><strong>lsUSRE</strong></td><td><code>0xB003…</code></td><td><code>0xC003…</code></td></tr><tr><td><strong>lsUSAI</strong></td><td><code>0xB004…</code></td><td><code>0xC004…</code></td></tr></tbody></table>

Each vault exists once per chain; tokens are **not** bridgeable between chains.

***

## Supporting Contracts

| Purpose      | Ethereum  | Avalanche |
| ------------ | --------- | --------- |
| FeeRouter    | `0xF001…` | `0xF101…` |
| WithdrawUSDL | `0xW001…` | `0xW101…` |
| PegManager   | `0xP001…` | `0xP101…` |

***

## How Bridging Works (LayerZero OFT)

**USDL & RWAL** use LayerZero’s Omnichain‑Fungible‑Token model.

1. **Send** → Tokens are **burned** on the source chain and a message is sent.
2. **Receive** → Tokens are **minted** on the destination chain once the message finalises.
3. **Supply stays constant** across all chains.

## Bridging Steps in the dApp

1. Open **Bridge** tab and connect wallet.
2. Select **From / To** chain and the token (USDL or RWAL).
3. Enter amount → approve → **Send**.
4. Wait for confirmation (≈ 2–4 min Ethereum ↔ Avalanche).
5. Switch network → token balance appears automatically.

***

**Tip:** Add the token address to MetaMask (or your wallet of choice) after bridging so the balance displays correctly.


# Ecosystem Overview

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2Fq1UEI74YOxq5Ad0wLBFU%2FLendr%20V2.1.drawio.png?alt=media&amp;token=08c61bb9-8eae-4a66-98ca-023015526b13" alt=""><figcaption><p>Note: RWAL is named LNDR in this diagram.</p></figcaption></figure>

| Layer                      | Component                                          | One‑line role                                                             |
| -------------------------- | -------------------------------------------------- | ------------------------------------------------------------------------- |
| **Entry Rail**             | **USDL**                                           | USD‑pegged stablecoin—swap in, bridge across chains.                      |
| **Yield Layer**            | **LsRWA Vaults** (lsSP500, lsGOLD, lsUSRE, lsUSAI) | Tokenize blue‑chip assets and auto‑add market neutral yield.              |
| **Community & Governance** | **RWAL +  xRWAL**                                  | Vote on upgrades, insure the protocol, and earn 70 % of performance fees. |
| **Safety Net**             | **SAFU Reserve**                                   | 3 % TVL insurance fund plus RWAL backstop.                                |
| **Bridge**                 | **LayerZero OFT**                                  | Burn‑and‑mint USDL & RWAL between Ethereum ↔ Avalanche.                   |
| **Off‑Chain Engine**       | Regulated **custodian & hedging desks**            | Hold collateral and run market‑neutral overlays; Proof‑of‑Reserve.        |
| **Ops Console**            | Multisig + NAV Poster                              | Publishes NAV, draws fees, enforces draw‑down guardrails.                 |
| **User Interface**         | Web dApp + Subgraph dashboard                      | Swap, stake, bridge, track APY—desktop & mobile.                          |


# Asset Reserve Fund (ARF)

The **Asset Reserve Fund (ARF)** is Lendr’s capital buffer—standing ready to absorb unexpected shocks such as custodian failure, hedge slippage, or oracle malfunction..

***

### 1 Target Size

* **3 % of total protocol TVL** (aggregated across all chains).
* Held in highly liquid **USDL / USDC** so it can be deployed instantly.

***

### 2 How the ARF Is Funded

| Source              | Share                                   | Flow                                                                                                                     |
| ------------------- | --------------------------------------- | ------------------------------------------------------------------------------------------------------------------------ |
| Performance fees    | **10 %** of every vault’s positive P\&L | Auto‑routed by the **FeeRouter** until the 3 % cap is reached.                                                           |
| Emergency RWAL swap | Governance‑approved only                | If ARF falls below 1 % TVL after a payout, xRWAL holders can authorize a temporary RWAL‑to‑USDL auction to recapitalize. |

When the ARF ≥ 3 % TVL, its 10 % fee share is re‑routed to xRWAL stakers; it re‑activates automatically if the balance dips below target.

***

### 3 When the ARF Can Be Used

| Scenario                         | Trigger                                                            | Disbursement Process                           |
| -------------------------------- | ------------------------------------------------------------------ | ---------------------------------------------- |
| **Custodian default**            | Verified asset shortfall after audit                               | Multisig releases funds to the affected vault. |
| **Hedge loss > draw‑down limit** | Vault draw‑down exceeds its maxDrawdown and governance vote passes | ARF tops up the vault to restore NAV.          |
| **Smart‑contract exploit**       | Confirmed exploit & independent audit                              | Emergency payout after a 48 h timelock.        |

*A super‑majority Snapshot vote (≥ 66 %* RWAL *quorum) is required for any ARF withdrawal.*

***

### 4 Transparency & Oversight

* **On‑chain addresses** — `0xArf…` (per chain) visible in real time.
* **Monthly report** — balance, inflows, outflows and scenario stress‑tests.
* **Auditability** — ARF contract included in every external security audit.

***

### 5 Replenishment & Growth

If a payout reduces the ARF below its 3 % TVL target:

1. The **10 % performance‑fee share** automatically resumes flowing to the ARF.
2. Governance may temporarily direct *all* fees to the ARF until the target is restored.
3. As a last resort, xRWAL can approve an RWAL‑for‑USDL sale to recapitalize the fund.

> **Goal:** protect user balances first, with minimal dilution to fee shareholders.

***

#### In Short

The Asset Reserve Fund provides a clear, on‑chain safety net so that unforeseen losses are covered by the protocol—not by individual depositors.


# Roadmap

<table><thead><tr><th width="155.888916015625">Phase</th><th width="91.90478515625">Target Window</th><th width="537.9365234375">Key Deliverables</th></tr></thead><tbody><tr><td><strong>0 — Launch</strong></td><td><strong>Q3 2025</strong></td><td><p>• Main‑net deployment on Ethereum &#x26; Avalanche</p><p>• USDL swap + LsSP500 / lsGOLD vaults live</p><p>• KYC whitelist + ERC‑3643 compliance layer</p><p>• Asset Reserve Fund (3 % TVL target) seeded</p></td></tr><tr><td><strong>1 — Liquidity &#x26; Listings</strong></td><td>Q4 2025</td><td><p>• DEX incentives for USDL/USDC and LsRWA Token pools</p><p>• Centralised‑exchange listing for RWAL </p><p>• xRWAL fee‑share vault open to public</p><p>• Subgraph &#x26; analytics dashboard V1</p></td></tr><tr><td><strong>2 — Asset Expansion</strong></td><td>Q1 2026</td><td><p>• New vaults: lsUSRE (U.S. REITs), lsUSAI (AI &#x26; Robotics)</p><p>• Permissioned LP pools for institutional funds</p><p>• Collateral integration with a lending protocol (TBA)</p></td></tr><tr><td><strong>3 — Governance Upgrade</strong></td><td>Q2 2026</td><td><p>• Snapshot → on‑chain voting bridge</p><p>• Community treasury formation (multi‑sig with elected signers)</p><p>• Proposal framework &#x26; quorum rules finalised</p></td></tr><tr><td><strong>4 — Multi‑Chain Growth</strong></td><td>2H 2026</td><td><p>• Deploy USDL &#x26; RWAL bridges to BNB Chain and Base</p><p>• Clone vaults on the most‑voted chain</p><p>• Extend Peg‑Manager bots &#x26; subgraph to new networks</p></td></tr><tr><td><strong>5 — Institutional On‑Ramp</strong></td><td>2027</td><td><p>• Reg‑qualified feeder fund for accredited U.S. investors</p><p>• SOC‑2 report on custody &#x26; operations</p><p>• API gateway for prime brokers &#x26; FinTech partners</p></td></tr></tbody></table>

#### How to Influence the Roadmap

* Hold or stake **RWAL** → participate in Snapshot votes.
* Propose new vaults, chains or features once you reach the proposal threshold (currently 1 % of circulating RWAL).
* Join the community Discord “#governance‑workshop” channel to collaborate on draft LIPs (Lendr Improvement Proposals).

**Together, we’ll decide which milestones land first.**


# Security and Audits

## What type of security audits has Lendr undergone?

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FSCDWQ0E6scAVjkHXnntN%2Fimage.png?alt=media&amp;token=64b44812-fda4-4cdd-9d9d-4079bc2dddc4" alt=""><figcaption><p>Lendr on Certik Skynet</p></figcaption></figure>

Security is a top priority for our protocol. The Lendr tokens and applications have been audited internally and externally by multiple third-party companies.

### Security audits

* Internal Pre-Testnet Launch Audit - Completed 5/10/23
* Internal Pre Mainnet Launch Audit - Completed 5/29/23
* External Pre-Mainnet Launch Audits
  * [**Audit by SolidProof** ](https://github.com/solidproof/projects/blob/main/2023/LendrNetwork/SmartContract_Audit_Solidproof_LendrNetwork.pdf)**- Completed June 2023**
  * [**Audit by Certik**](https://skynet.certik.com/projects/lendr-network) **- July 2023**
* External Post Mainnet Launch Audit - Coming soon after launch

Additionally, here are audits of the original Liquity code base that we forked:

* [**Trail of Bits Security Assessment**](https://github.com/trailofbits/publications/blob/master/reviews/Liquity.pdf) **-** January 2021
* [**Audit by Coinspect**](https://www.coinspect.com/liquity-audit/) - March 2021
* [**Trail of Bits Liquity Protocol and Stability Pool Final Report**](https://github.com/trailofbits/publications/blob/master/reviews/LiquityProtocolandStabilityPoolFinalReport.pdf) **-** March 2021
* [**Trail of Bits Liquity Proxy Contracts Report**](https://github.com/trailofbits/publications/blob/master/reviews/LiquityProxyContracts.pdf) - March 2021

## What other safety mechanisms are in place?

Lendr.fi is a registered company in the United States, and as such we follow strict compliance and regulatory guidelines.

We also aim to follow a variety of security best practices. The Lendr team uses multi-signature verification wallets to control protocol funds and we educate our employees on security best practices.&#x20;

## Bug Bounty Programs

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FdRaqTWjQLLPa7KwyBabN%2Fimage.png?alt=media&amp;token=91f0c9e6-5dfb-4a39-a074-7c7e8432f4fc" alt=""><figcaption><p>Lendr Bug Bounty 08/2023</p></figcaption></figure>

Lendr.fi will be launching multiple bug bounty systems including a partnership with the largest web3 bug bounty platform [Immunefi](https://immunefi.com/). Here are our bug bounty programs:

* [Certik Bug Bounty Program](https://skynet.certik.com/projects/lendr-network)
* Immunefi Bug Bounty Program (Launching Soon)


# Partnerships And Awards

{% hint style="info" %}
Note: Lendr.fi had the previous names Lendr Network and FlatcoinUSD. Some of the following awards will use these names.&#x20;
{% endhint %}

## Accelerator/Partnership Programs

### Circle Alliance Program

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2F8VZchSr6fRHGDOLIQEMz%2Fimage.png?alt=media&amp;token=1676d2b4-66e0-453e-8c0b-3c7ccd4f4fff" alt=""><figcaption></figcaption></figure>

* <https://x.com/lendrfi/status/1922739002085396916>
* <https://partners.circle.com/partner/lendr>

### 🏆 Avalanche Codebase Accelerator

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FqHDK6eLf5BrG4BWq9juQ%2Fimage.png?alt=media&amp;token=59980d99-fa7b-40c6-8a28-c2dbacf96a15" alt="" width="375"><figcaption><p>Avalanche Codebase 2023</p></figcaption></figure>

* Lendr.fi was selected from a pool of 250 applicant companies to join Codebase by Avalanche.
* <https://www.avax.network/blog/startup-incubator-codebase-names-first-cohort>
* <https://twitter.com/lendrnetwork/status/1773354829940764860>
* <https://twitter.com/avax/status/1773339411167502480>

### 🏆 Chainlink BUILD Accelerator

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2F78R7scaE5mMlyGdvtCPw%2Fimage.png?alt=media&amp;token=a899be0a-d01f-4d9f-826b-50d34c5492ad" alt="" width="563"><figcaption></figcaption></figure>

{% embed url="<https://lendr.medium.com/lendr-network-a-decentralized-rwa-tokenization-protocol-joins-chainlink-build-780d9ac1aace>" %}

{% embed url="<https://blog.chain.link/chainlink-build-program/>" %}

{% embed url="<https://x.com/lendrnetwork/status/1747486739529081114>" %}

{% embed url="<https://lendr.medium.com/lendr-network-a-decentralized-rwa-tokenization-protocol-joins-chainlink-build-780d9ac1aace>" %}

### 🏆 Brinc (Animoca Brands) Accelerator

{% embed url="<https://www.brinc.io/portfolio/lendr-fi/>" %}

{% embed url="<https://www.brinc.io/blog/spring-2024-cohort-web3-gaming/>" %}

## Hackathon Awards

### 🏆 1st Place - Binance BNB Chain Zero 2 Hero Hackathon

<div data-full-width="false"><figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FEtyfLAuzHEj8kRGTxqEx%2Fimage.png?alt=media&amp;token=7274f8ed-f056-4379-8b16-17838b3ba318" alt=""><figcaption></figcaption></figure></div>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2F9UkgQ4hcIGuipxafyQcy%2Fimage.png?alt=media&amp;token=3d322702-3491-4ad7-92db-ea3503a7bdd8" alt="" width="563"><figcaption></figcaption></figure>

{% hint style="info" %}
Note: Lendr network was formerly named FlatcoinUSD before rebranding to Lendr. The official FlatcoinUSD twitter account now redirects to Lendr Network. <https://twitter.com/FlatcoinUSD>
{% endhint %}

1st Place Win from 1inch Network

* <https://twitter.com/lendrnetwork/status/1674649503264129025?s=19>
* <https://www.bnbchain.org/en/blog/winners-announcement-zero2hero-hackathon/>

### 🏆 1st Place in the Spring 2023 Chainlink Hackathon

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2F9QfacmBuAvOlbRfrwwho%2Fimage.png?alt=media&amp;token=696a80fe-63d3-452c-abe5-245eaa3abd8a" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FywiDWb4OBAfpfvsp7thC%2Fimage.png?alt=media&amp;token=67e181a4-d9e0-4272-befc-efec7e3317fb" alt=""><figcaption></figcaption></figure>

1st Place Win from Truflation

* <https://devpost.com/software/flatcoinusd>
* <https://twitter.com/lendrnetwork/status/1674914503777976321>


# Lendr Social Impact Fund

## What is the Lendr Social Impact Fund?

At Lendr, we're deeply committed to making a meaningful difference in the world. Through team member's past endeavors, they've raised over $135,000 USD for global charitable efforts. In continuing with this goal, we introduced the Lendr Social Impact Fund.

This fund reserves 0.5% of the total supply of the Lendr reward token exclusively for benefiting global social causes and projects. Instead of selling these tokens, they are staked on our platform. The rewards they yield are directed towards our philanthropic initiatives, which include engaging community events. Our track record includes unique NFT giveaway contests, exclusive merchandise prizes, and much more.

The DAO will ultimately control the Social Impact Fund, and users can vote on governance proposals for use of funds.&#x20;


# Official Social Media

Website - <https://lendr.fi>

Documentation - [https://whitepaper.lendr.fi/ ](<https://whitepaper.lendr.fi/ >)

Twitter -<https://twitter.com/lendrfi>

Youtube - <https://www.youtube.com/@lendrfi>

For business inquiries please contact <business@lendr.fi>


# Brand Assets

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FpO5Gd2o8QZ4ChCzHUJlt%2F1.png?alt=media&amp;token=c1806eef-8a93-43ad-b87a-a16c882656ce" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FWo0REmgRl4HpJXW0xuHN%2F3.png?alt=media&amp;token=2c5850a2-079b-4c73-9f1f-10b3d68d0a27" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FQNPGKMgoGn4Nl3USFxoy%2F4.png?alt=media&amp;token=8f0f71a8-a6aa-4855-a74b-3c6858a0b02d" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FlapaGvx0v8nQUZW7mgvl%2F6.png?alt=media&amp;token=6856a74f-e07b-4f0d-afc9-870bf6dc2814" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FDbOPNFoQHvWhwctU1Vcd%2F8.png?alt=media&amp;token=c0c7e993-8d55-4362-a44c-6279eb47a080" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2F6C5tXjxswEGsqn75jNCN%2F11.png?alt=media&amp;token=858a833b-5afc-45f1-a2d2-72e259e00f0a" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FGhJnU0U2rjsEPdcwSu4L%2FLendr%20Fi%20Icon%205k%20x%205k.png?alt=media&amp;token=13758f87-9dfe-4242-a70f-f6afa263b929" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FS8ecfmUBdZhl60Y4Bi0p%2FLendr%20fi%20Icon%20Black.png?alt=media&amp;token=f62affb1-0de0-48ed-8ec2-d5e024e5d518" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FJekaYO2RSQefuFRhLSyZ%2FWhite%20Lendr%20Icon.png?alt=media&amp;token=438e06fa-3ec9-4e00-9cac-219113080dae" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FwEoRdv7SlxOwB35tyHyW%2FLendrR%20(1).png?alt=media&amp;token=dfe374ba-6678-4fd9-8f80-8d1385234c7e" alt=""><figcaption><p>Lendr (LNDR) Logo</p></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FIMDnqLUUCMC0ehODtl5i%2FLogo%20Icon%20Transparent.png?alt=media&amp;token=6c2e6aba-5b56-463d-ae72-e177552df4b4" alt=""><figcaption><p>LendrUSD USDL Logo</p></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FolNx73J8dZL2gmWga8fu%2FLendrUSRE%20Text%20Logo.png?alt=media&amp;token=071fb0cb-9978-46af-8417-e3740b695c8d" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FHjg2BSyB30I2IamRnUJo%2FLendrUSRE%20Text%20Logo%20dark.png?alt=media&amp;token=609aba61-b588-4013-af14-32869815c34a" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FFj05zOUhGv8VtAiSuglX%2FLendrRE%20Logo.png?alt=media&amp;token=689b97b0-a1e4-49eb-a075-08259326c08a" alt=""><figcaption><p>LendrUSRE (USRE) Logo</p></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2Fem3xli9LZcnx9yFaf8S2%2FLendrGold%20Text%20Logo.png?alt=media&amp;token=496b32f6-3558-4e1c-be81-09cd4c28da56" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FJH6VrxUsdoKWQH1922oe%2FLendrGold%20Text%20Logo%20Dark.png?alt=media&amp;token=aec864d7-372b-4e6f-8e85-11d0ffae827b" alt=""><figcaption></figcaption></figure>

<figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FduqYTzvYZFGNI93moSfQ%2FLendrGold%20Logo.png?alt=media&amp;token=726150dc-b9bd-482c-aca3-d3897668aa74" alt="" width="375"><figcaption><p>LendrGold (LGLD) Logo</p></figcaption></figure>

*(some Lendr logos by* [*Freepik*](https://www.freepik.com/free-vector/alphabetical-letter-o-logo-collection_12811050.htm#query=gradient%20circle%20logo\&position=38\&from_view=search\&track=ais)*)*


# Terms of Service & Disclaimer

## LENDR.FI — TERMS OF SERVICE

Welcome to [https://lendr.fi](https://lendr.fi/) (the “Website”). These Terms of Service (“Terms”) is made and entered into by and between you (“you”, “User”) and Lendr Labs, Inc (the “Company”, “us”, “we”, or “our”). These Terms govern your access to and use of the Website and any products, materials, and services provided by or on the Website (collectively, “the Service”).

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Service. Please note that if you do not accept these Terms, you will not be able to use the Services. You also agree, by using the Services and accepting this Terms and our Privacy Policy.

If you use the Services on behalf of a company or other entity, then “you” includes you and that entity, and you represent and warrant that (a) you are an authorized representative of the entity with the authority to bind the entity to these Terms, and (b) you agree to these Terms on the entity's behalf.

***

1\. Eligibility

Age Requirements

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To be eligible for our Service, you must be at least 18 years old, or the age of majority in your province or territory of residence. By accessing the Service, you represent that you meet this requirement.

Geographic Restrictions

The Services are not available to users located in, incorporated in, or ordinarily resident in the United States, residents of OFAC-sanctioned countries and other comprehensively sanctioned jurisdictions, users from prohibited jurisdictions where DeFi services are restricted or other jurisdictions where our Service could be deemed regulated without authorization.&#x20;

Company uses geofencing and IP blocking to enforce these restrictions. Attempting to bypass geo-restrictions (e.g., via VPNs) is a material breach of these Terms.

The list of restricted jurisdictions may be updated periodically and the Service may become unavailable in additional jurisdictions without prior notice due to regulatory changes. Continued use after such changes constitutes acceptance of the updated restrictions.

By using the Service, you confirm that you are not in a restricted jurisdiction at the time of access and agree to comply with all applicable laws.

If you are unsure whether your location is restricted, consult legal counsel before accessing the Service.

Some or all of the Services described on the Website may be also restricted to certain types of sophisticated, accredited or qualified investors.

KYC and Access Controls

\
Access to Services requires Know Your Customer (KYC) and Anti-Money Laundering (AML) verification, performed by approved third-party providers.&#x20;

By accessing or using the Services, you represent and warrant that you meet all the foregoing eligibility requirements. You also represent and warrant that you have the right, authority, and capacity to enter into these Terms on your behalf or the entity or organization that you represent. If you do not meet all these requirements, you may not use or access the Services.

***

2\. Nature of the Service

The Lendr Protocol (“Protocol”) is a decentralized, non-custodial system of autonomous smart contracts deployed on the blockchain, designed to tokenize real-world assets (RWAs).&#x20;

No entity, including the Company, controls user funds, modifies contract logic, or censors transactions. The Company only provide auxiliary services, such as supporting the open-source frontend interface.

We do not provide financial, investment, legal, tax, brokerage, or custodial services.

\
We do not hold or control your crypto assets. You retain full control of your private keys and assets unless otherwise explicitly agreed in writing with a third-party custodian. Third-party custodians and trading counterparties are independently regulated and audited.

\
The Protocol operates via immutable smart contracts deployed initially on Ethereum, BNB Chain, and Avalanche networks. These contracts are based on open-source, audited frameworks. However, all blockchain systems carry inherent risks, including but not limited to:

* Smart contract vulnerabilities or exploits, despite audits;
* Network congestion or transaction failures;
* Oracle inaccuracies affecting liquidations;
* Loss of access due to private key mismanagement.

Users interact directly with these contracts and assume full responsibility for their transactions.

The Company may, at its sole discretion, expand support to additional Layer 1 (L1) protocols without prior notice. Users are solely responsible for verifying compatibility of their wallets and assets with new networks.

The Company does not guarantee uninterrupted, error-free, or secure access to the Service and shall not be liable for any disruptions, security breaches, or loss of data. Users acknowledge that blockchain-based transactions are irreversible and final.

Protocol risks include:

* Bridge vulnerabilities for cross-chain operations
* Governance token volatility affecting system parameters
* Front-running risks in decentralized exchanges.

The Protocol maintains a treasury funded by protocol fees and reserves, which may be deployed in delta-neutral strategies executed by licensed third parties. These operations:

* Exclusively Use Protocol-Owned Assets: No user funds (including RWA tokens) are utilized in these strategies.
* Yield Allocation: Generated revenue is directed to Protocol maintenance and development, not user distributions.

3\. Real-World Asset (RWA) Tokens

RWA tokens are synthetic digital representations of economic exposure to underlying assets (including stocks/ETFs), held by regulated third-party custodians.&#x20;

These tokens:

* Are not equity, debt, or ownership instruments
* Do not provide voting/dividend rights
* May be subject to redemption delays or suspensions

May be deemed securities in your jurisdiction. Consult legal counsel before use. Redemption Terms

Redemptions are processed in USDL at the current market value of the underlying asset.

The Protocol reserves the right to:

* Impose minimum lock-up periods
* Suspend redemptions during market disruptions
* Adjust valuation methodologies.

Regulatory Status

RWA tokens are not securities or investment contracts.

The Service:

* Does not hold securities licenses (e.g., SEC, MiFID)
* Is not responsible for custodial defaults or asset devaluations.

The Company reserves the right to:

* Immediately suspend RWA token trading if required by regulators;
* Implement mandatory redemption procedures;
* Delist assets deemed non-compliant.

Users acknowledge they may lose access to certain products without notice.

Risk Disclosures

By using RWA tokens, you acknowledge:

* Counterparty risk (custodian insolvency)
* Valuation risk (discrepancies between token price and underlying asset value)
* Regulatory risk (potential access restrictions)
* Market risk (token value may diverge from the underlying asset due to liquidity, oracle delays, or volatility);
* No guaranteed returns: the Company does not control, endorse, or guarantee returns. Returns are subject to prevailing market conditions and third-party actions beyond our control.

***

4\. Fees and Revenue

Users may be subject to staking and unstaking fee, performance fees on automated strategies and other usage-based protocol fees associated with the use of Service.&#x20;

We reserve the right to adjust fees, with reasonable notice provided to users.

All fees are non-refundable except where required by applicable law. All fees are transparently disclosed where applicable. The Company may update fee structures at its discretion.

The Protocol utilizes third-party custodians and trading counterparties to execute delta-neutral strategies. While these strategies generate yield for the Protocol's treasury, users do not participate in such earnings unless explicitly stated in product terms. All revenue-sharing mechanics (if any) will be separately disclosed.

***

5\. User Responsibilities

Wallet Security

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You are solely responsible for safeguarding your private keys and wallet credentials. The Company has no access to your wallet and cannot recover lost keys.

Compliance with Laws

\
You are solely responsible for complying with the laws of your local jurisdiction. You may not use the Service if such use violates applicable laws or regulations, including sanctions laws.

Prohibited Uses

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You agree not to use the Service for illegal activities, including but not limited to: money laundering, terrorist financing, fraud, or the distribution of illicit content.

***

6\. No Fiduciary or Advisory Relationship

The Company does not provide legal, financial, or investment advice. Your use of the Services is entirely at your own risk. The Company assumes no fiduciary duty to you, and no communications constitute legal or financial guidance.

***

7\. Data and Privacy

The Company collects and processes only the data necessary for Service operation, as outlined in our Privacy Policy.

We take reasonable measures to secure user data but cannot guarantee absolute security. Users should employ best security practices to protect their personal information. Users acknowledge that blockchain transactions are publicly visible.

***

8\. Intellectual property

You acknowledge that all intellectual property rights, including copyrights, trademarks, trade secrets, and patents, in the Services and its contents, features, and functionality (collectively, the “Content”), are owned by the Company, its licensors, or other providers of such material. The Content is protected by law of international intellectual property or proprietary rights laws. Neither these Terms nor your access to the Services transfers to you any right, title, or interest in or to such intellectual property rights. Any rights not expressly granted hereby are reserved by the Company and its licensors. Unauthorized use, reproduction, or distribution is strictly prohibited.

You retain ownership of content you submit but grant the Company a worldwide, non-exclusive license to use, modify, and display such content solely for operating the Services. This license terminates upon your deletion of the content, except where retention is necessary for legal compliance or blockchain immutability.

***

9\. Assumption of Risk&#x20;

The information presented on or through the Website is made available for general information purposes only. The Company does not warrant the accuracy, completeness, suitability or quality of any such information. Any reliance on such information is strictly at your own risk. The Company disclaims all liability and responsibility arising from any reliance placed on such information by you or any other user to the Services, or by anyone who may be informed of any of its contents.

Users specifically acknowledge the risk of:

* Impermanent loss in liquidity pools
* Smart contract exploits despite audits
* Governance attacks on the Protocol
* Cross-chain risks: Bridging assets or interacting with the Protocol on new networks may expose users to vulnerabilities specific to those chains (e.g., consensus failures, validator centralization, or untested smart contract environments).<br>

***

10\. Disclaimers and Limitation of Liability

No Warranty

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The Service is provided “as is” and “as available,” without warranties of any kind. The Company disclaims all warranties, express or implied, including fitness for a particular purpose and non-infringement.

Company makes no warranties regarding:

* Continuous Service availability
* Accuracy of price feeds or oracle data
* Finality of cross-chain transactions.

No Guarantee of Performance or Yield

\
Staking strategies and synthetic products involve risk. Past performance does not guarantee future results. You may lose the full value of your assets.

Limitation of Liability

\
To the maximum extent permitted by law, the Company its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, or consequential damages, including loss of funds, arising from use of the Services.&#x20;

To the extent permitted by applicable law, the Company’s total liability for any claims arising under these Terms shall not exceed the fees paid by you to the Company in the preceding 12 months. This limitation does not apply: (a) In jurisdictions where such exclusions are prohibited;\
(b) To cases of gross negligence, willful misconduct, or fraud by the Company.

The Company makes no warranties or representations regarding the accuracy, reliability, or suitability of its Services. Users assume full risk when interacting with blockchain-based services. In no event shall Company’s total liability exceed the amount paid by the user, if any, for accessing the Service.

In no event shall Company be liable for:

* Losses due to third-party integrations (oracles, bridges)
* Regulatory actions affecting asset availability
* Force majeure events including network outages
* Losses arising from RWA token market risks outlined in Section 3.

Users expressly acknowledge that:

* RWA token economics are driven by external market factors beyond Lendr’s influence;
* Delta-neutral strategy yields constitute protocol-owned liquidity, not user-directed investments.

***

11\. Amendments and Termination

The Company reserves the right to amend these Terms at any time. Updates will be posted on the Website. Continued use of the Service after updates constitutes acceptance of the revised Terms.

The Company may suspend or terminate access to the Services at any time, without notice, for any reason, including suspected violations of these Terms or if illicit activity is suspected.

***

12\. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with English law, without regard to its conflict of law principles.

Any disputes arising under or relating to these Terms shall be subject to binding arbitration under the Rules of the London Court of International Arbitration  (LCIA). The arbitration shall be conducted by a single arbitrator appointed in accordance with the LCIA Rules. The seat of arbitration shall be London, England, and the language of the proceedings shall be English. The Users waive any right to participate in class actions or consolidated claims.

***

## Disclaimer

Lendr tokens are not investment products and should not be considered as such. The tokens do not provide rights to profits or any other investment-related entitlements. They are designed for utility within the platform and for participation in market trends without directly investing in underlying assets.\
\
Please carefully read and understand the following disclaimer before using or engaging with the Lendr Network project, its applications, or any related services.

1. Not Financial Advice: The information provided in this GitBook, including any whitepapers, project documentation, websites, or communications from the Lendr Network team, is for informational purposes only and should not be considered as financial advice. The Lendr Network team and contributors are not financial advisors, and the content presented here should not be construed as an offer, solicitation, or recommendation to buy, sell, or hold any assets or financial instruments.
2. Inherent Risks: Participating in the Lendr Network ecosystem involves substantial risk, including but not limited to market risks, regulatory risks, technological risks, and security risks. Cryptocurrencies and blockchain projects can experience significant price volatility and may lead to the loss of funds. You are solely responsible for your purchase decisions and should conduct thorough research and seek advice from a qualified financial professional if needed.
3. No Guarantees: While the Lendr Network team endeavors to provide accurate and up-to-date information, we make no warranties or representations concerning the completeness, accuracy, reliability, or suitability of any information presented in this GitBook or related materials. The project's development is subject to change, and any statements about future developments, features, or outcomes are forward-looking and may not be realized.
4. Regulatory Compliance: Cryptocurrencies and blockchain projects, including the Lendr Network, are subject to regulatory requirements in various jurisdictions. Users are responsible for complying with the relevant laws and regulations applicable to their region concerning the use, ownership, or trading of cryptocurrencies. The Lendr Network team disclaims any liability for non-compliance with regulatory requirements.
5. Security Precautions: Using cryptocurrencies involves managing private keys and digital assets, which must be handled with care. Users should be aware of potential security risks, such as phishing attacks, malware, or other cyber threats. It is essential to take appropriate security measures and use trusted platforms and wallets to protect your funds. And while the Lendr project has implemented various safety mechanisms and security measures, there is always a potential risk of bugs, vulnerabilities, or hacks, as with any decentralized protocol. The team is committed to conducting audits, maintaining multi-signature wallets, and utilizing a bug bounty program to enhance the security of the platform. However, it's important to note that no system can be completely immune to risks, and users should exercise caution and stay informed.
6. Third-Party Links: This GitBook may contain links to external websites or resources not controlled by the Lendr Network team. We do not endorse, monitor, or assume responsibility for the content, privacy policies, or practices of any third-party sites or services.
7. Token Use and Utility: Any tokens or digital assets associated with the Lendr Network project are designed for specific purposes within the ecosystem. The value of tokens may fluctuate, and they should not be considered as an investment in a traditional sense.

By accessing or using the Lendr Network GitBook or participating in the project, you acknowledge and agree to the terms of this disclaimer. If you do not agree with any part of this disclaimer, please refrain from using the Lendr Network ecosystem and its associated services.

The Lendr Money Back Guarantee is limited to a single use per customer. Identity verification may be necessary to ensure the system is used by new users only. Lendr reserves the right to end the Lendr Money Back Guarantee program at any time, and to refuse/exclude users from the program for any or no reason, including suspicion of attempting to exploit the system. The program is offered out of goodwill and may not always be available due to financial constraints of the company or other reasons. Please only choose to spend what you can lose, as the system is not a safeguard against other potential Defi risks and does not represent any form of insurance or assurance or safety or financial gain. Lendr is not obligated to inform the community or the public if the program has closed or paused.&#x20;

**Lendr Referral Programs Disclaimer**

Welcome to Lendr's Referral Programs! By participating in any of our referral programs, including the Launch Referral Program, the Trove Referral Program, and the Affiliate Referral Program, you agree to comply with the following terms and conditions. Please read this disclaimer carefully before joining any of our programs.

**Earnings Disclaimer:**

1. **Earnings Potential:** Lendr offers referral programs that allow participants to earn rewards based on specific criteria. While we provide opportunities for participants to earn rewards, we make no guarantees or representations regarding the amount of rewards you can expect to receive. Your rewards are dependent on various factors, including the actions of your referrals and your adherence to program requirements.
2. **Varied Rewards:** The reward structure in our referral programs is designed to reward participants based on their referrals' actions and adherence to program requirements. Rewards may vary among participants, and some may earn more than others based on their referral's actions.
3. **No Reward Guarantee:** Participating in our referral programs does not guarantee a specific level of rewards or financial gain. Rewards are not fixed or guaranteed and may fluctuate based on various factors beyond our control.

**Launch Referral Program Requirements:**

1. **Referral Action:** To qualify for the Launch Referral Program, both the referrer and the referee must join our presale and purchase a specified amount of tokens.
2. **Token Holding:** Additionally, both the referrer and the referee must hold the purchased tokens for a minimum of 7 days.

**Trove Referral Program Requirements:**

1. **Trove Opening:** To qualify for the Trove Referral Program, both the referrer and the referee must open a trove with a specified minimum amount of tokens.
2. **Token Holding:** Both the referrer and the referee must hold the tokens in the trove for a minimum of 7 days.

**Affiliate Referral Program Requirements:**

1. **Referral Action:** The Affiliate Referral Program allows you to earn a share of the profits generated by users you refer to our presales. To qualify, you must refer a minimum of 10 users who purchase tokens in the presale who buy in a combined at least 1+ BNB.

**Responsibility of Participants:**

1. **Accurate Promotion:** Participants are responsible for promoting our programs accurately and in accordance with the program requirements. Misleading or deceptive promotion is strictly prohibited and may result in the disqualification of participants and the forfeiture of rewards.
2. **Compliance:** Participants must comply with all applicable laws and regulations, including but not limited to those related to advertising, privacy, and consumer protection.
3. **No Investment Required:** Participation in our referral programs does not require any financial investment. You should not make any financial commitments or promises on our behalf.
4. **Customer Support:** Participants are not responsible for providing customer support to referrals. All customer inquiries, issues, or requests should be directed to Lendr's customer support team.

**Modification and Termination:**

Lendr reserves the right to modify, suspend, or terminate any of the referral programs at any time, for any reason, without notice. We also reserve the right to disqualify participants who violate these terms or engage in improper or unethical behavior.

**Disclaimer Acceptance:**

By participating in any of the Lendr Referral Programs, you acknowledge that you have read, understood, and agreed to the terms and conditions outlined in this disclaimer. You also understand that your rewards as a participant are not guaranteed and may vary based on your referrals' actions and adherence to program requirements.

Please contact us if you have any questions or concerns regarding our referral programs or this disclaimer.


# Old Roadmap

## An Evolving Roadmap <a href="#finally-its-a-roadmap-not-a-to-do-list." id="finally-its-a-roadmap-not-a-to-do-list."></a>

This roadmap highlights Lendr's current objectives and future ambitions. In the fast-changing cryptocurrency landscape, Lendr remains committed to adaptability and flexibility. We expect timelines and plans to evolve over time, and we will provide regular updates to this page to keep you informed.

## Year 1 (2025): TGE, Mainnet Rollout, and GTM Campaigns

### Q1: TGE and Enhanced Testnet Enhancements

* Initialize $1M Airdrop/Quest Campaign
* Token Generation Event (March)&#x20;
  * Launch $LNDR token in a multi-platform IDO/IEO with a community-driven incentives campaign.
  * CEX Listings
  * Launchpads
* Enhanced Testnet Operations&#x20;
  * Continue refining the testnet, focusing on:
    * RWA onboarding framework: Establish partnerships to onboard pilot assets (US real estate).
    * Early index prototypes: Begin developing prototype indexes for additional assets, using oracles from trusted providers like Chainlink.

### Q2: Mainnet Launch

* Staggered Mainnet Rollout
  * Deploy Mainnet V2 after completing audits, starting with tokenized real estate assets.
  * Deploy to multiple chains with cross chain bridging enabled.
* Governance Lite
  * Allow token holders to vote on initial protocol parameters (e.g., assets, fees, staking reward adjustments, etc.).
* Index Development Framework
  * Collaborate with financial data providers to create tokenized indexes for commodities, equities, and crypto assets.
* Team Expansion

### Q3-Q4: Product Expansion & Index Launch

* Launch RWA and Crypto Indexes
  * Introduce tokenized indexes for:
    * Financial Sectors/ETFs
    * Top Crypto Assets (Bitcoin, Ethereum, etc.)
    * Commodities
* Use Chainlink oracles for real-time pricing and ensure transparency.
* Implement Web3 Analytics Integration
* Partnership Development
  * Strengthen blockchain partnerships (e.g., Avalanche, Plume)&#x20;
  * Develop additional DeFi integration partnerships (Lending, Collateral, Portfolio/Treasury Management, etc.)
  * Explore integrations with TradFi companies
* Improve Community Engagement Systems

***

## Year 2 (2026): DAO Launch, Advanced RWAs, and Expanded Indexes

### Q1-Q2: DAO Governance & Institutional Index Expansion

* DAO Governance Launch
  * Enable token holders to vote on protocol upgrades, DAO funds usage, and asset onboarding.
  * Launch staking incentives/requirements for governance participants.
* Expand Index Offering
  * Introduce tokenized indexes for:
    * Additional Financial Sectors (Technology, Healthcare, etc.)
    * Global Real Estate Markets
    * Renewable Energy Projects (Solar, Wind)
    * Unique Indexes (Collectibles, Art, etc.)
  * Partner with financial institutions to ensure accurate index tracking and regulatory compliance.
* Implement a System to Safely Invest Excess Collateral in DeFi Protocols (Rehypothecation) &#x20;
* DeFi Insurance Partnership

### Q3-Q4: Cross-Chain Expansion & Dynamic Yield Pools

* Cross-Chain Compatibility
  * Enable Lendr tokens to be accessed on additional blockchains.
* Dynamic Yield Pools
  * Introduce yield pools offering mixed exposure to RWA indexes.
  * Use smart contracts to rebalance pools based on market conditions and user-defined risk levels.
* Prepare for public token listing on major exchanges to enhance liquidity and global visibility.

***

## Year 3 (2027): Institutional Adoption, Real-Time Settlement & Account Abstraction

### Institutional Portal & Tokenized Indexes for Institutions

* Institutional Portal Development
  * Develop a dedicated portal for institutional investors, offering:
    * Advanced reporting tools.
    * Compliance features (KYC/AML).
    * Access to tokenized indexes and custom RWA portfolios.
* Compliant Regional Expansion
  * Expand into new global markets
  * Including into the USA (requires asset registration)
* Add additional established TradFi indexes (NASDAQ, Russell2000 etc.)

### Account Abstraction for Non-Technical User Onboarding and Global Expansion

### ESG-Focused Indexes

* Launch ESG tokenized indexes, offering exposure to sustainable investments such as:
  * Renewable energy bonds.
  * Green real estate projects.
  * Carbon credit tokens.

### Real-Time Settlement Platform

* Launch Real-Time Settlement Layer
  * Use scaling solutions to reduce settlement times for both RWAs and tokenized indexes with TradFi compatibility
* Global Index Partnerships
  * Collaborate with leading index providers to expand the range of tokenized indexes available on Lendr.

### Insurance Products for Client Portfolios

***

## Year 4-5 (2028+): Global Expansion, Market Dominance & Ongoing Innovation

* AI-Driven Index Risk Engine
  * Deploy an AI-driven engine that:
    * Monitors market conditions.
    * Suggests portfolio rebalancing.
    * Provides automated risk management for tokenized indexes.

### Top 50 Protocol Status

* Target recognition as a top 50 DeFi protocol by total value locked (TVL), user adoption, and governance participation.

### Ongoing Innovation

### AI-Driven Index Management

* AI-Driven Index Risk Engine
  * Deploy an AI-driven engine that:
    * Monitors market conditions.
    * Suggests portfolio rebalancing.
    * Provides automated risk management for tokenized indexes.

***

## Key Performance Indicators:

To gauge the success of our go-to-market strategy, we'll consistently monitor the following KPIs:

* **Protocol Integrations:** Number of DeFi platforms and traditional entities integrating Lendr.
* **Exchange Listings:** The number and quality of centralized and decentralized exchanges where Lendr's token is listed and traded.
* **Unique Token Holders and Stakers:** Track growth in token adoption, particularly those actively staking.
* **Number of Troves (Loans) Opened:** A metric indicating user activity and platform utilization.
* **Total Value Locked (TVL):** Measure the total assets secured within the Lendr ecosystem.
* **Protocol Revenue:** Monitor the direct revenue generated through fees and other platform operations.
* **Community Activity:** Measure community engagement and activity on an ongoing basis to gauge our engagement campaigns.

This roadmap is provided only as a rough draft of our speculative plans. Specific timelines or completion of roadmap items are NOT guaranteed, taking into account factors like market fluctuations, development resources, security precautions, and other unforeseen changes.

***

## Past Roadmap Sections

### Q4 2024 (Complete)

* V2 Documentation/Whitepaper &#x20;
* V2 Testnet Launch&#x20;
* V2 Website Update
* Token 2049 Singapore Fundraising Campaign
* RWA Token DeFi Integration Partnerships (3/3)&#x20;

### Q3 2024 (Complete)

* Brinc Accelerator&#x20;
* Incorporate Lendr Foundation Entity&#x20;
* Expand Team
* Multi-Chain Token Bridge Development&#x20;
* New Application UI (Simplification and Usability Upgrades)&#x20;
* Conference Presentations (2/2)

### Q1-Q2 2024 (Complete)

* Conference Presentations (2/2)
* Avalanche Accelerator&#x20;
* Expand Team (C Level Hires, Developers)
* Lendr.fi Rebrand (Previously Lendr Network)&#x20;
* New Website&#x20;
* Hire Legal Team&#x20;
* RWA Integrations Commitments (3/3)&#x20;
* Pilot Closure (V1)&#x20;
  * Customer Feedback Collected -> V2 Feature List Created
* Start Lendr V2 Development
* Private Angel Round Closure

### Q4 2023 (Complete)

* Pre Launch Partnerships (3/3)
  * Chainlink BUILD Partner
  * Avalanche Codebase Accelerator
  * Plume Network
* Release Plan for New Protocol Structure:
  * DAO, Single Chain Deployment + Multi-Chain Bridging, Single Reward Token, Simplified UX/UI, Emergency Fund, etc.
  * Documentation Update
* Pre-Seed Round Preparation
* Website Redesign

### Q3 2023 (Complete)

* &#x20;Certik Security Audit
* LendrUSRE Token Launch (BSC Mainnet)
* LendrUSRE Token Launch (ETH Mainnet)
* Lendr Trove Referral Program Launched
* Lendr Presale Affiliate Program Launched
* Launch Liquidity Generation Incentives (Unipool)
* Collect User Feedback
* Plan Protocol Redesign

### Q2 2023 (Complete)

* Development of the Lendr Protocol MVP
* Internal Testing of App and Tokens
* Educational Pre-Launch Content Created (Videos)
* BSC Testnet Application and Token Launched
* 🏆 1st Place Win in the Binance BNB Chain Hackathon (1inch Network)
* ETH Testnet Application and Token Launched
* 🏆 1st Place Win in the Chainlink Hackathon (Truflation)
* SolidProof Security Audit

### Q1 2023 (Complete)

* Initial Product Research and Planning
* Initial Business Plan and Company Creation
* Technical Specifications Created
* Initial preparation of Customer Facing Information (documentation, website, social media, etc.)
* Recruit Starting Lendr Team Members


# Long Term Vision

## Our Vision

> Lendr’s ultimate vision is to have Real World Assets (RWAs) globally and uniformly accessible to all individuals to provide an opportunity for generational wealth building regardless of nationality\* and economic status.&#x20;
>
> To achieve this vision, we will begin by proving access to traditional asset classes such as Real Estate and Gold through the utilization of RWA tokenization.&#x20;
>
> (*\*Lendr will strictly adhere to all global AML and OFAC standards and regulations)*

***

## What is the long-term vision for Lendr.fi?

To provide a variety of decentralized real world asset tokens on multiple blockchains. These tokens are designed to integrate seamlessly with existing web3 DeFi protocols and will represent a variety of assets such as:

* U.S. Real Estate (Lendr USRE)
* Gold (Lendr Gold)
* Electric Vehicles (Lendr EV)
* USD/Inflation-proof stablecoin (Lendr USD)
* Fully Decentralized U.S. Stock Market Indices (Lendr US)
* DeFi Protocols Indices (Lendr DeFi)
* Commodities Index (Lendr CM )
* U.S. Healthcare (Lendr HC)&#x20;
* Energy (Lendr ENRG)&#x20;
* U.S. Agriculture and Food (Lendr AG)
* and more!

Every one of these tokens would have Lendr's innovative 0% interest lending and liquid staking mechanisms to achieve higher returns.

<div align="left"><figure><img src="https://2329509467-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FgfqUtPoej2jrqffXBtHj%2Fuploads%2FT5OHVYAzDe2sVIexLKVJ%2F%7B0B877FE2-CF9F-4D4B-8C28-D4F58E73AEC9%7D.png?alt=media&amp;token=60f59a04-ef5f-4340-bb1a-cc9de5ff1d14" alt=""><figcaption><p>Lendr RWA Tokens</p></figcaption></figure></div>

## How will users acquire these RWA tokens?

Each of these tokens will use the same minting mechanism, requiring users to provide collateral to open a [Trove](broken://pages/IFkOApMNbUFIDZUe7HcK#what-is-a-trove) and create the RWA tokens with a [0% interest loan](broken://pages/IFkOApMNbUFIDZUe7HcK).

These future real world asset tokens would follow the same guiding principles:

* Decentralized
* Over-collateralized using verifiable on-chain assets
* Built-in reward mechanisms and incentives for users
* Liquid staking for additional returns

## Are these tokens going to be available at launch?

The code for these real world asset tokens has already been created but will be launched one by one to allow time for collateral to accumulate for each individual token.

The DAO will control which RWA tokens are launched and the order they are launched in.


# Lendr Referral and Affiliate Programs

Lendr Network allows anyone to earn money for referring users to our platform!

## Referral Trove Program:

The Lendr Trove Referral Program allows anyone to earn money by referring friends to the Lendr Network!

Learn more here: <https://lendr.network/referral-program/>

## Affiliate Launch Program:

Our affiliate launch program rewards affiliates for bringing users to our presales. Affiliates can earn up to 50% on users they refer to Lendr Presales! We also provide pre make marketing materials.&#x20;

Learn more here: <https://lendr.network/affiliate-program/>


# Technical Resources

## BNB Smart Chain Mainnet Addresses (LendrR + LendrUSRE)

| Contract Name       | Contract Address                           |
| ------------------- | ------------------------------------------ |
| (LendrR) lqtyToken  | 0xD773affB89F9dbEf8b1bcd2003a9De421F979416 |
| (LendrRE) lusdToken | 0x0fB6b79b89Fc91D55A00a8E0aC1b1dC5957944EE |
| activePool          | 0xb2af77774a42C50B3745C04C914e8F80Fc91C0c5 |
| borrowerOperations  | 0x3Ac27A17fcDd5c950d4F160c8E1589cAc13Ee56f |
| collSurplusPool     | 0xc8895580aCce89Ec30470A40a273fCF924Bb7259 |
| communityIssuance   | 0x1a9ea5B4F33b3CA204679B811B397DE1112F3FEF |
| defaultPool         | 0xCe2AC5f6cf1E2aE9035ABd1A21947b5ed3B627ef |
| gasPool             | 0x2ae63F715dDDeAf8D0B0a9d419c59DfDe2ad1998 |
| hintHelpers         | 0x8b74BE5B7AFe93aD25cbCc7A4E74081769F03283 |
| inflationFeed       | 0xEc3878d9548A3cd806c1657e9a3ad95CC4adF837 |
| lqtyStaking         | 0x33D81B10EEe29f825aAf29497371D73558779cbb |
| multiTroveGetter    | 0x07cDaE338866B10d770c7Cd9f5CA8D86d23543Cd |
| priceFeed           | 0xcC5cF8acE7b45c3645aAd4936196839b9AAda737 |
| sortedTroves        | 0x9B8eDb631C97b1a2594602ce6fF1202a1753FD27 |
| stabilityPool       | 0x1fae8132B5709A9D1EC9ec760BCFB97b11B6c32c |
| troveManager        | 0xA4EE1Adde9860094C511F24D764c819f139F2529 |
| unipool             | 0x8c3C6bcb57f55C9E8Ae1B4131f18eB00FaE76eA8 |
| (PCS Pair) uniToken | 0xD578F7dC841b264CD2aDF0Aba66d7B89A864C2c4 |

## ETH Mainnet Addresses (LendrUSRE + LendrR)

```json
"addresses": {
    "priceFeed": "0x7be8c30dfad51f017a5f81484A9b945492dc1871",
    "sortedTroves": "0x1bAccD443e5D1559A0A90520C3b527D4DA24495b",
    "troveManager": "0x338A0c640067EF1C436d2731DC38F62Fc3AB8806",
    "activePool": "0xB564D3Fd456EBdC92CF4B51d426e862b11c846Be",
    "stabilityPool": "0x297753023cB9F741E812224529eb3A322FfBC93e",
    "gasPool": "0x85dd7996ab66B4fF86BE82E414cC37b56805d4ac",
    "defaultPool": "0x32BFeedbE97e573dEe96a77E8A2Cea09503d9929",
    "collSurplusPool": "0x7c15C91F20cee5aF460e3CAfd4dc0B1302fF632f",
    "borrowerOperations": "0x191df0E31e38Ca0a3d9Aa8E1D5595D715B7FaCaC",
    "hintHelpers": "0x4948264C57985cDC5DA515328C4Af889d00Cba8d",
    "inflationFeedProxy": "0x14cdAf42cF4d6f575252702C24cC64619A3a95D4",
    "inflationFeed": "0x4a056599A8FD5B53081C41c903562337E3700D7a",
    "lusdToken": "0xb5ACeF11b4530A0DfE1B5c53D0e3AeAc23e6f307",
    "unipool": "0xfc514Ae84D2E8b894B7aC5642c0456636fEEEB54",
    "lqtyStaking": "0xD0f970D8e309ad95D46Dd4193B8D91e98a497Ff5",
    "communityIssuance": "0x14Dd52514498065529c6303F140eC6FF05284c87",
    "lqtyToken": "0x886f29b6E0a0461cb5aC6BAF55aE0033CffC48eb",
    "multiTroveGetter": "0x9d0faAbF99F85613f7402A4B6774EB307Af3F892",
    "uniToken": "0x6c719572d4bb92f4d98eA4619Ff89096B4B7a7d2"
  },
```


# Bug Bounties

Our bug bounty programs can be found in our [Governance, Security, and Audits section](/general-documentation/security-and-audits).


# Lendr "Love it or Leave Free" Guarantee

#### We want to make trying the Lendr platform as *risk-free* as possible, so we created the Lendr "Love it or Leave Free" Guarantee! Available for a limited time as we grow the product!

### How it works:

Open a trove and stake any of the [Lendr ](broken://pages/HjnxsXMBnPHzOnS32wXb)RWA tokens to earn rewards immediately. If you are not happy with the platform you can contact our team within 1 week of opening your trove and we will help you close your trove and cover your trove issuance fee up to $100 USD.

All we ask is that you join our team in a video call to explain why you did not like our product so that we can make it better.

With the Lendr "Love it or Leave Free" guarantee, there is no reason not to at least try our system out!

{% hint style="info" %}
The Lendr "Love it or Leave Free" Guarantee is limited to a single use per customer. Identity verification may be necessary to ensure the program is used by new users only. More information available in our disclaimer.
{% endhint %}