Your tokenized stocks, now collateral. Borrow USDG against TSLA, AMZN, PLTR on Arbitrum — no selling, no taxable events, one-click pledge via smart wallets.
EquiFlow is a permissionless lending protocol that turns tokenized US equities into instant on-chain liquidity. Holders of tokenized stocks (TSLA, AMZN, PLTR, NFLX, AMD) pledge their shares to a Solidity vault, borrow USDG stablecoin against them, and repay anytime — without ever selling the underlying asset.
Retail stockholders face an impossible trade-off when they need cash. Selling stock triggers capital-gains tax and forfeits future upside. Holding stock locks up capital in an asset that can't pay for groceries. Traditional brokers do offer margin loans — but only to high-net-worth clients, behind KYC walls, with no transparency.
The same problem exists on-chain: tokenized equities (a USD 4 trillion market today, growing 38% YoY) sit idle in wallets because no protocol accepts them as collateral. Aave, Morpho, and Compound only list crypto-native assets.
EquiFlow is the first borrow-against-tokenized-stock vault deployed on an Arbitrum Orbit chain (Robinhood Chain testnet today, Arbitrum One next). The protocol gives users:
Feature | What it does |
|---|---|
One-click pledge | ERC-4337 smart-wallet bundles |
Live oracle pricing | Pyth Network feeds price every collateral asset 24/5 across regular, pre, post, and overnight sessions. |
Per-asset risk | Each token has its own LTV cap (55–70%) and liquidation threshold (65–78%) based on volatility. |
Auto-Defender | Session-key-authorized bot auto-repays a slice of debt before Health Factor breaches 1.0 — preventing liquidation while you sleep. |
LP-side yield | USDG depositors earn the kinked-IRM supply APR; 100% transparent on-chain. |
Tokenized stocks live on Arbitrum Orbit (Robinhood Chain), Polygon, and Base — but none have a borrow market today. Arbitrum's RWA tailwind (BlackRock's BUIDL fund, Backed's bToken issuance, Robinhood Chain launch) makes this the right L2 to build on. Low-cost L2 settlement + EIP-7702 / ERC-4337 maturity makes the UX finally feel like a fintech app, not a DeFi app.
Testnet vault: 0x86c4AC25524560799863505F7650B24014eDB0FB on Robinhood Chain Testnet
Block explorer: https://explorer.testnet.chain.robinhood.com
Companion docs: full pitch deck, revenue model, and marketing strategy in the /docs folder of the repo
We entered the buildathon with an empty repo and a thesis. By submission we shipped a working end-to-end protocol with smart contracts, a polished frontend, account abstraction, and an autonomous keeper system.
EquiFlowVault.sol — full lending vault: pledge/borrow/repay/withdraw, kinked interest-rate model, per-asset LTV + liquidation threshold, multi-collateral health factor, liquidation flow with 5% bonus, LP share accounting (ERC-4626-style), reserve factor, treasury.
PythPriceAdapter.sol — Chainlink-compatible wrapper around MockPyth so the vault reads prices through a standard AggregatorV3Interface.
Deploy.s.sol — one-shot deployment script that publishes the vault, mints test USDG, lists 5 collateral assets (TSLA / AMZN / PLTR / NFLX / AMD) with realistic risk parameters, and seeds initial liquidity.
Tests — Foundry unit + integration tests covering happy paths, edge cases (zero collateral, max LTV, stale oracle revert), and liquidation arithmetic.
8 routes shipped, each with live on-chain data:
Route | What it does |
|---|---|
| Hero landing with live oracle ticker and rotating asset showcase. |
| Real-time table of all collateral assets — live Pyth price, 24h change, sparkline, max LTV, borrow APR. |
| Per-asset detail page with full risk parameters, pledge calculator, and price chart. |
| Connected-wallet dashboard — collateral, debt, health factor, LP balance, action modals. |
| Step-by-step pledge flow with smart-wallet bundling. |
| Liquidator UI listing at-risk positions ranked by health factor. |
| Investor-facing pages backed by |
Alchemy Modular Account v2 integration with sponsored UserOps via Gas Manager Policy.
Session keys for Auto-Defender: user signs once to authorize a keeper bot to call repay(amountUsd) within a weekly USDG limit when health factor drops below a chosen threshold.
Optional USDG-as-gas flow (Tier-5 paymaster) — pay gas in stablecoin, never touch ETH.
Pyth Hermes proxy at /api/pyth/by-symbol/[sym] — fetches the freshest of 4 sessions (regular/pre/post/overnight) for true 24/5 coverage.
Server-side keeper at /api/keeper/tick (per-adapter) and /api/keeper/cron (full-sweep) — signs updatePrice() transactions using KEEPER_PRIVATE_KEY server-side; key never reaches the browser.
Stale-oracle UX: when prices age past staleAfter, the UI surfaces a banner with a manual "Refresh oracle" button and disables actions that would revert. No silent failures.
/api/keeper/health — public JSON healthcheck consumable by UptimeRobot / Better Stack for production monitoring.
vercel.json with cron schedule (*/2 * * * *) to auto-tick all adapters every 2 minutes — zero-touch oracle freshness in production.
CRON_SECRET-gated endpoints; Vercel Cron auto-injects the bearer token.
.env.example documents every required variable with setup steps.
Multi-session Pyth substitution lets us run on a single regular-session priceId per asset, even when only the overnight session is active.
Smart contracts: ~1,200 lines of Solidity
Frontend: 25+ React components, 8 pages, 16 custom hooks
API routes: 9 (Pyth proxy, keeper, defender CRUD, market history)
Total commits: 80+
Lines of TypeScript: ~12,000
Connect wallet → smart wallet auto-deploys.
Visit /markets → see all 5 assets with live Pyth prices and 24h changes.
Click pledge → one-signature flow approves + locks TSLA + mints USDG debt.
Visit /positions → see health factor compute live from on-chain state.
Enable Auto-Defender → sign once, bot watches threshold and auto-repays if HF dips.
Drop price (simulated wick via keeper) → liquidator dashboard surfaces position → execute liquidation with 5% bonus.
Bootstrapped — no external funding raised.
EquiFlow is a self-funded prototype built entirely during the Arbitrum Open House London Buildathon. The project has:
No outside investors
No SAFE, SAFT, or token allocations issued
No grants or sponsorships received
No committed term sheets
100% founder equity / ownership
We are not currently running an active fundraise. If the buildathon submission demonstrates strong product-market signal, we may explore a pre-seed round post-event to fund a smart-contract audit and Arbitrum One mainnet deployment — but no fundraising process is underway today.
Open to introductory conversations with investors interested in RWA, DeFi credit markets, or oracle infrastructure after the demo. No prior commitments to honor.