Lotus Protocol

Credit priced across the full risk curve without fragmenting liquidity.

That’s what onchain credit needs to scale.

Here’s where @LotusFi_ stands today ↓

• @BlockAnalitica and @M11Credit are coming on board to manage vaults across the Lotus risk curve.

• We’re building third-party risk ratings from @CredoraNetwork directly into Lotus, making risk across the curve transparent and independently verifiable.

• We’re welcoming @cicadacredit as our first RWA vault manager, extending Lotus beyond BTC and ETH into rated and actively monitored RWA credit.

• Lotus contracts have been through layered manual review from top security researchers, including @Cyfrin. Security remains an ongoing practice, with operational security work and SEAL certification ahead.

• We launched our testnet and API, putting borrower, lender and vault-manager workflows in partners’ hands ahead of launch.

• We built LotusUSD so idle lending capital keeps earning even at low utilization, powered by WTGXX from @WisdomTreePrime and @CoinbaseInsto .

• We’re developing intra-market carry vaults with @ipor_io and @superformxyz to produce BTC and ETH denominated yield.

• We shipped Loanscape so borrowers can shop for loans on more than headline rate, comparing cost, rate stability, LTV and liquidity to find the best fit.

Lotus is approaching mainnet with the protocol, risk stack, vault managers and integrations in place.

DeFi has been in sore need of an industry standard for operational security.

That’s why we’re working toward @_SEAL_Org certification at Lotus. The framework covers six operational security modules:
· Multisig operations
· Treasury operations
· Incident response
· DevOps and infrastructure
· DNS and registrar security
· Identity and accounts

Operational and economic risk deserve just as much attention as smart contracts in a lending protocol's security process.

Lotus separates the base rate from the credit spread so borrowers can model their financing costs and plan ahead.

Building an agent that helps people borrow?

The Loanscape skill gives you a cross-venue comparison before you choose a loan: live APR, 30-day rate stability, LTV and liquidity.

There's more to borrowing than just the rate.

End idle capital.

• Choose where you lend/borrow on the risk curve
• Keep liquidity connected across the market
• Earn a base yield on unutilized capital

The engine behind Lotus markets, in 25 seconds.