Floe is an intent‑based credit protocol that lets owners of tokenized assets obtain peer‑to‑peer loans while retaining exposure. Borrowers submit natural‑language requests to LendrBot, which creates signed EIP‑712 loan intents that are matched with lenders for fixed‑rate, term‑based financing, with on‑chain collateral valuation and isolated liquidation safeguards. The platform supports a broad range of real‑world tokenized collateral and includes compliance hooks for institutional participants.
Funding
Funding not disclosed
Founders
Product
Problem
Tokenized asset owners often lack liquid financing options that let them retain exposure, while existing DeFi lending protocols rely on pooled liquidity, leading to capital inefficiency, contagion risk, and unpredictable rates.
Solution
Floe introduces an intent‑based credit protocol that enables peer‑to‑peer loans secured by tokenized assets such as equities, gold, money‑market funds, and other real‑world tokens. Users interact with an AI lending agent, LendrBot, which converts natural‑language requests into on‑chain loan intents defined by EIP‑712 signatures. The protocol matches borrowers and lenders directly, allowing fixed‑rate, term‑based loans without pooled capital or liquidation spill‑over. All loan terms, collateral requirements, and compliance parameters are encoded on‑chain, providing transparent, auditable agreements for both retail and institutional participants.
Target Audience
The primary users are tokenized asset holders seeking liquidity without selling exposure and institutional lenders—credit funds, family offices, and DeFi power users—who require compliant, fixed‑yield lending opportunities.
Features
- Conversational AI interface (LendrBot) that translates plain‑text loan requests into signed on‑chain intents
- EIP‑712 intent standard for tamper‑proof loan specifications and secure signature verification
- Modular oracle integration delivering real‑time price feeds and collateral valuations
- Built‑in liquidation safeguards that isolate each loan, eliminating pool‑wide contagion risk
- Support for a wide range of tokenized collateral: equities, bonds, funds, gold, crypto assets, and other RWAs
- Fixed‑rate, term‑based loan contracts with transparent yield calculations for lenders
- Compliance hooks enabling whitelist management, counterparty risk controls, and institutional KYC/AML integration
- Comprehensive 168‑page security audit with zero critical findings, ensuring protocol robustness