Aurion Protocol

Aurion is a non-custodial credit layer that aggregates DeFi positions across Aave and Compound, enabling higher leverage through delegated credit guarantees.**

The Problem

DeFi lending is broken in 3 ways:

1. Fragmented Identity: Your $100k on Aave + $50k on Compound = treated as 2 separate users. Capital inefficiency everywhere.

2. No Credit Market: Liquidity providers are forced to absorb credit risk. No one can specialize. Capital sits idle.

3. Reactive Risk Management: Protocols only liquidate after positions fail. No credit scores, no gradual interventions, no reputation.

Result: Massive capital inefficiency. Overcollateralization across protocols. No path to institutional adoption.

Our Solution

Credit Aggregation Layer
Aurion sits above Aave/Compound without replacing them:

User's Aave position + Compound position
         ↓
    Unified Credit Account
         ↓
    Borrow with aggregate LTV

How It Works (3 Steps)

1. Aggregate: We read your positions on Aave + Compound, create one credit account

2. Route: All borrows go through our router (validates credit, then executes on Aave/Compound)

3. Guarantee: Credit Providers deposit capital as loss buffers → You get higher LTV

Key Innovation
Separate liquidity from credit risk
- Liquidity providers (Aave/Compound) lend as usual
- Credit Providers earn fees by backing borrowers
- Borrowers access 2-3x higher leverage

Key Features

1. Cross-Protocol Accounts

• Single credit identity across Aave + Compound

• Portfolio-level risk assessment

• Result: 30-40% better capital efficiency

2. Delegated Credit Pools

• Credit Providers deposit capital (never lent)

• Acts as loss buffer for borrowers

• Earn 2-7% APR on idle capital

• Result: $500M+ unused capacity unlocked

3. Credit Scoring

• On-chain reputation (0-1000 score)

• Based on repayment history, health factor

• Better scores = higher limits, lower fees

• Result: First portable DeFi credit score

4. Risk Tiers
   | Tier | Max LTV | Fee | Min Score |
   |------|---------|-----|-----------|
   | Conservative | 75% | 2% APR | 700 |
   | Moderate | 85% | 4% APR | 500 |
   | Aggressive | 95% | 7% APR | 300 |

5. Pre-emptive Risk Management

• Dynamic borrow caps based on volatility

• Collateral top-up requirements

• Credit recall mechanism

• Result: 60% fewer liquidations

Tech Stack

Smart Contracts

• Solidity 0.8.20+ | Foundry | OpenZeppelin

• Certora (formal verification) | 95%+ test coverage

Frontend

• React 18 | Tailwind CSS | Ethers.js v6

• wagmi | RainbowKit

Infrastructure

• Arbitrum One (L2 deployment)

• Chainlink (price oracles)

Security

• Formal verification

• Multiple audits planned

• Bug bounty program

• Invariant-based testing

Roadmap

Phase 1: Foundation (NOW - Month 4) ✅ 70% Done

• Core contracts (CreditManager, Router, Accounts)

• Aave adapter

• Basic risk engine

• Frontend UI

• Testnet deployment this week

Phase 2: Launch (Month 5-8)

• Compound adapter

• Credit Pools live

• Credit scoring v1

• Security audit #1

• Mainnet beta ($5M TVL cap)**

Phase 3: Scale (Month 9-12)

• Remove TVL caps

• Governance token

• Tradeable credit positions

• $50M+ TVL target

Traction & Metrics

Current Status:

• ✅ Whitepaper complete

• ✅ Smart contracts 70% done

• ✅ Frontend demo built

• ✅ Test suite with invariants

• 🔄 Testnet deployment in progress

6-Month Targets:

• $10M TVL

• 500+ credit accounts

• 50+ Credit Providers

• 2 protocols integrated

12-Month Targets:

• $50M TVL

• 2,000+ accounts

• DAO governance live

• 3-4 protocols

Business Model

Revenue Split:

• 70% → Credit Providers

• 20% → Insurance Fund

• 10% → Protocol Treasury

Projections:

• $100M TVL × 50% util × 4% fee = $2M annual revenue

Deployed a Mock Pools (USDC support only for now) for both Aave and Compound since their is no official deployed contract on Arbitrum Sepolia. Mock working correctly. Move to deploying other supported assets on Mainnet Arbitrum on both protocol.

We are still at the development stage, We havent raised any fund.