3F is a DeFi vault protocol built on Morpho that provides leveraged exposure to tokenized real‑world assets (RWAs). Users select an RWA vault, set a leverage ratio, and deposit stablecoins; the protocol automates flash loans, bridging, and liquidation management while earning yield on the deposited assets. The service targets both retail depositors seeking yield and institutions needing permissioned liquidity, monetizing through fees on leveraged positions and lending activity.
Funding
Funding not disclosed
Founders
Product
Problem
DeFi users seeking exposure to tokenized real-world assets (RWAs) often lack a straightforward way to apply leverage, requiring manual coordination of flash loans, cross‑chain bridges, and liquidation safeguards. This complexity limits capital efficiency and deters both retail participants and institutional liquidity providers from engaging with RWA‑backed strategies.
Solution
3F delivers a Morpho‑based vault protocol that abstracts the operational overhead of leveraged RWA exposure. Users select a tokenized RWA vault, configure a leverage ratio, and deposit stablecoins; the platform automatically executes flash loans, bridges assets across chains, and monitors liquidation thresholds in real time. Stablecoin deposits earn yield by lending against the underlying RWAs, while leveraged positions generate returns proportional to the chosen multiplier. Risk parameters are transparent, positions remain highly liquid, and the system supports both open retail access and permissioned institutional participation. All interactions are executed on‑chain, ensuring composability with existing DeFi stacks and reducing reliance on off‑chain intermediaries.
Target Audience
The primary users are retail DeFi participants who want yield or leveraged exposure to tokenized real‑world assets, and institutional actors such as prime brokers or liquidators requiring permissioned, high‑throughput liquidity channels.
Features
- Direct integration with Morpho’s money‑market contracts for efficient stablecoin lending and borrowing.
- Automated flash‑loan orchestration that sources capital, applies the user‑defined leverage, and repays in a single atomic transaction.
- Cross‑chain bridge coordination layer that moves tokenized RWAs between L1/L2 networks without manual intervention.
- Real‑time liquidation engine with on‑chain price feeds and risk buffers to protect leveraged positions.
- Permissioned liquidity gateway for institutions, offering whitelisted front‑end access, custom bridge routes, and dedicated liquidation facilitation.
- Transparent risk dashboard displaying collateral ratios, maximum APY, and exposure limits; no lock‑up periods for deposited stablecoins.
- Developer‑friendly API and SDK enabling third‑party dApps to embed leveraged RWA vaults and retrieve position data.