Oruva

Oruva is a next-generation DeFi banking platform designed to empower users with complete financial freedom.
Built on the Flow EVM network, it introduces oINR, a stablecoin pegged 1:1 to the Indian Rupee, enabling seamless lending, borrowing, and payments without traditional intermediaries.

The platform blends the simplicity of traditional banking with the power and transparency of blockchain.
Through walletless login (Magic Link), users can easily onboard, manage assets, and transact securely.
Oruva also integrates UPI-based fiat on-ramps (via Cashfree Sandbox) to convert real INR into oINR instantly.

From secure vaults and QR payments to yield generation via Yearn Vaults, Oruva creates a complete decentralized ecosystem where users truly own their money — transparent, borderless, and inclusive.

⚙️ Core Features

• oINR Stablecoin – Digital currency pegged 1:1 with INR, ensuring price stability.

• Vault System – Deposit USDC as collateral and mint oINR via smart contracts.

• Decentralized Lending & Borrowing – No intermediaries; all logic handled by VaultEngine and VaultManager.

• Non-Custodial Wallets – Users retain full ownership; Oruva never holds user funds.

• Magic Link Login – Passwordless, email-based wallet generation; no MetaMask required.

💰 Financial Features

• UPI / Card On-Ramp (Cashfree Sandbox) – Instantly buy oINR with INR through UPI, debit, or credit cards.

• QR-Based Payments – Send or receive oINR instantly, just like UPI QR transactions.

• Yield Integration (Yearn Vaults) – Earn interest automatically on deposited assets.

• Collateral Management – Deposit, borrow, repay, or withdraw seamlessly via VaultManager.

• Stable Value Transactions – oINR ensures stable purchasing power during market volatility.

🔒 Security & Transparency

• Smart Contract Transparency – All actions verifiable publicly on-chain.

• Aadhaar KYC (Sandbox) – User identity verification for compliance and trust.

• Secure Data Layer – All transactions cryptographically signed; sensitive data encrypted.

📊 Dune Analytics Dashboard

Oruva integrates Dune Analytics for real-time tracking and transparency:

• View live USDC deposits and oINR minting activity.

• Track user borrowing and repayment trends.

• Visualize collateral utilization ratios and system health.

• Public analytics ensure community trust and ecosystem transparency.

This data-driven transparency allows users, investors, and regulators to monitor Oruva’s on-chain economy live — just like a public, real-time balance sheet for a digital bank.

🌍 User Experience & Growth

• Multi-Device Support – Access your account across any device.

• Fiat-to-Crypto Gateway – Bridge between traditional and decentralized finance.

• Accessible to Everyone – Simple UI for non-crypto users; operates like a normal banking app.

• Cross-Border Compatibility – Scalable to future stablecoins (USD, EUR, etc.).

• Low-Cost, Fast Transactions – Flow EVM ensures scalability and near-zero gas fees.