RAAC is a decentralized lending and borrowing platform that is widening participation in tokenized RWAs including gold and property.
The platform allows users to generate stable yields using RWA-backed assets, borrow against their holdings at competitive rates, and offers investors access to arbitrage opportunities.
Bringing stability to a volatile DeFi ecosystem and providing a bridge between traditional and decentralized finance, RAAC is modernizing the way investors can access and profit from the world’s most stable assets.
This solution enables lending and borrowing using tokenized RWAs as collateral. It leverages Curve Finance’s low-slippage, efficient swapping mechanisms to manage collateral and liquidations seamlessly. Interest rates are softly pegged to half of the U.S. prime rate, offering borrowers predictable, attractive rates while allowing asset owners to unlock liquidity without selling their holdings.
This use case captures yield from RWAs - such as rental income - and converts it into digital dollars, bringing stable, predictable returns into the DeFi ecosystem. The conversion process ensures low volatility, enhanced transparency, and regulatory compliance. Automated integrations minimize manual intervention while enabling yield distribution through liquidity mining, yield farming, or direct incentives, ultimately strengthening the ecosystem and broadening DeFi participation.
Zeno Bonds provide a zero coupon bond mechanism to accept digital dollars onchain and then off-ramp the funds for real-world investments and loans. This streamlined process starts with collecting capital from investors onchain, ensuring transparency and global accessibility. The off-ramping converts digital funds into fiat-ready capital, which is then deployed to invest in or lend to traditional companies and projects. By automating transitions between onchain and off-chain systems, the solution reduces operational friction, enhances efficiency, and bridges decentralized finance with conventional financial markets.
This use case introduces an onchain liquidation mechanism tailored for RWAs used as collateral in DeFi money markets. The system continuously monitors collateral value via reliable price oracles and triggers automated liquidations when thresholds are breached, minimizing risk for lenders and borrowers alike. Integrated into existing DeFi platforms, smart contracts execute the process transparently and efficiently, ensuring liquidity is promptly reallocated. The solution features a user-friendly interface that displays collateral health and liquidation parameters, while robust failsafes and manual overrides further secure the protocol against market volatility.
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