Hifi Finance is a decentralized lending platform that lets users borrow against crypto and ERC‑20 tokenized real‑world assets, including commercial real‑estate and equities. The protocol issues fixed‑rate, over‑collateralized loans managed by smart contracts, with automated liquidation via price oracles and on‑chain monitoring. It provides permissionless access to liquidity without requiring the sale of underlying assets, expanding collateral options for DeFi borrowers and lenders.
Funding
Funding not disclosed
Founders
Product
Problem
DeFi borrowers often lack access to credit backed by tokenized real-world assets, limiting liquidity for holders of tokenized real estate, equities, or other off‑chain assets. Existing protocols primarily accept native cryptocurrencies as collateral, which can be volatile and may not reflect the value of underlying physical assets. Fixed‑rate borrowing options are scarce, making debt servicing unpredictable for users who need stable repayment terms.
Solution
Hifi Finance provides a decentralized lending protocol that accepts both crypto and tokenized real-world assets (RWAs) as collateral, enabling users to unlock liquidity without selling the underlying assets. Smart contracts enforce over‑collateralization and manage loan terms autonomously on-chain. The platform offers fixed‑rate loans, delivering predictable repayment schedules regardless of market volatility. By integrating commercial real‑estate tokenization, Hifi expands the collateral pool to include high‑value physical assets, bridging traditional finance and DeFi. All loan data and collateral provenance are recorded on the blockchain, ensuring transparency and auditability for lenders and borrowers alike.
Target Audience
The primary users are crypto asset holders and institutional participants who have tokenized real‑world assets such as commercial real‑estate or equities and seek on‑chain, fixed‑rate liquidity. Additionally, DeFi platforms and liquidity providers looking to diversify collateral sources are key customers.
Features
- Smart‑contract‑based loan origination that supports ERC‑20 tokenized assets, including real‑estate and equity tokens
- Fixed‑rate interest model calculated off‑chain and locked on-chain at loan inception for repayment certainty
- Over‑collateralization and automated liquidation mechanisms powered by price oracles to protect lenders
- Dedicated collateral module for commercial real‑estate RWAs, with proven loan volume exceeding $1 M
- On‑chain loan management dashboard offering real‑time position monitoring, repayment tracking, and collateral health metrics
- Integration with major DeFi composability standards (ERC‑4626, EIP‑712) for seamless interaction with wallets and other protocols
- Permissionless access: any user can deposit eligible collateral and draw a loan without intermediary approval