Self-Repaying RWA Credit Line
A DeFi protocol enabling fully automated, self-repaying loans backed by yield-bearing Real World Assets (RWAs).
Traditional DeFi lending requires constant manual management—monitoring positions, managing debt ratios, and avoiding liquidation.
This friction limits mainstream adoption and prevents stablecoins from being efficiently used for real-world asset (RWA) access.
💡 Our Solution
Users deposit yield-generating collateral (mETH, fBTC), borrow stablecoins (USDC) to access RWAs and real-world payments, and the yield from their collateral automatically repays the loan.
No EMIs. No monitoring. No manual intervention.
A self-repaying credit line that turns yield into RWA-ready liquidity, built for Mantle’s RealFi vision.
How it works:
One Transaction — Deposit collateral + borrow in a single action
Yield Accrues — Your collateral generates yield passively
Auto-Repayment — Keeper bot harvests yield and pays down your debt (80% to debt, 20% protocol fee)
Loan Cleared — Withdraw collateral once debt reaches zero
Gas-Optimized Keeper Bot — Two-phase scanning minimizes oracle calls
Chainlink Price Feeds — Production-grade asset pricing
One-Click UX — Deposit + borrow in a single transaction
Transparent Yield Distribution — 80/20 split (user/protocol)
Frontend: Next.js 16, React 19, TypeScript, TailwindCSS, wagmi, viem
Smart Contracts: Solidity, Hardhat, OpenZeppelin, Hardhat Ignition
Keeper Bot: Node.js, Ethers.js, Express, Redis
Blockchain: Mantle Sepolia
Progress During Hackathon Phase 1: Architecture & Smart Contracts Designed the self-repaying vault architecture Implemented AutoRepaymentVaultManager.sol with deposit, borrow, and auto-repayment logic Created mock yield-bearing tokens (MockMETH, MockFBTC) and stablecoin (MockUSDC) Built SimplePriceOracle.sol for asset pricing Deployed all contracts to Mantle Sepolia testnet Phase 2: Keeper Bot Development Built gas-optimized keeper bot with two-phase scanning Part 1: Cheap filters (yield threshold, time interval) — no oracle calls Part 2: Price validation only for eligible vaults Integrated Redis for state persistence Implemented Express API for monitoring Phase 3: UI + Frontend Development Built responsive Next.js 16 frontend with React 19 Integrated wagmi + viem for Web3 connectivity Created Create Vault flow (deposit + borrow in one transaction) Built Dashboard with real-time vault health, debt tracking, and activity logs Implemented Analytics page with protocol-wide statistics Phase 4 : Polish & Testing Added premium UI animations (Framer Motion, GSAP) End-to-end testing on Mantle Sepolia Verified contract deployment and keeper automation Final UI polish and responsive design fixes Deliverables Completed: ✅ Smart contracts deployed on Mantle Sepolia ✅ Functional keeper bot with auto-repayment ✅ Full-featured frontend (Create Vault, Dashboard, Analytics) ✅ Live demo on testnet (mETH and fBTC + StableCoins)
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