Mantle cross-chain Lending

Live Demo & Quick Start

Live App: https://app.egis.finance

Try it now with pre-funded test accounts:

Sign in with email, enter PIN, and you're ready to test—no wallet setup required.

Egis Finance: Unlock RWA Liquidity Without Bridging

Real World Assets on Mantle shouldn't be siloed. Egis enables USDY holders to borrow USDC on Ethereum without moving tokens cross-chain—eliminating custody risk and regulatory friction.

How it works:

1. Lock USDY in our Mantle escrow (your keys, your custody)

2. DVN network attests the lock cryptographically

3. Receive non-transferable AcUSDY on Ethereum (1:1 receipt)

4. Borrow USDC against it via Morpho Blue (86% LLTV, competitive rates)

The Innovation

Traditional bridges entail asset movement (custody risk). Wrapped tokens re-issue assets (compliance overhead). Egis bridges only the proof that assets are locked.

This implements the academic xRWA concept—a three-layer model for cross-chain RWA interoperability where authentication flows while liquidity remains on the issuance chain.

Key Differentiators

1. Configuration-Driven Cross-Chain UX with Dynamic Wallet

• Implicit chain switching: Users interact with Mantle and Ethereum through a unified interface—the Dynamic SDK wallet handles RPC endpoints, chain configuration, and gas management automatically

• Zero-config deployment: Toggle between Tenderly VTE (testnet) and Mainnet with a single environment flag—same UX, different networks

• Social login onboarding: Sign in with Google, Apple, or email—no MetaMask, no seed phrases, no wallet extensions

2. Production-Grade 3-Layer Architecture

• Smart Contracts Layer: 5 deployed contracts (CollateralLocker, AcUSDY, XRWAReceiver, NAVOracle, MorphoAdapter)

• Go Relayer Layer: Event-driven DVN attestation bridge with exponential backoff, atomic persistence, and 3-layer deduplication (~1 second processing)

• Frontend Layer: Next.js 16 with Dynamic SDK 4.51 embedded wallets

3. Real Protocol Integrations

• Actual USDY (Ondo Finance)

• Live Morpho Blue markets

• Tenderly Virtual TestNets for mainnet-realistic testing

Why Mantle

• Native USDY integration (Ondo Finance partnership)

• EVM compatibility enables standard Solidity patterns

• Tenderly synced Mainnets (virtual testnets) for zero-cost mainnet-realistic testing

• Fast finality reduces attestation latency

Market Opportunity

• RWA market: $25B today → $2T by 2030

• Morpho Blue: $13B TVL, 260% YoY growth

• No existing solution for cross-chain RWA collateralization without bridging

Built with Production Standards

• Security-first: Custom errors, fuzz testing, pause mechanisms

• Real integrations: Actual USDY, live Morpho Blue markets

• Operational tooling: Relayer, price updater, reconciliation service

• Solo-built but institutional-grade

Progress During Hackathon

Built from scratch: A complete cross-chain RWA lending protocol.

Smart Contracts (5 deployed and tested)

• CollateralLocker (Mantle): Secure USDY escrow with unique lock IDs, replay protection, and invariant enforcement

• AcUSDY (Ethereum): Non-transferable receipt token representing attested USDY collateral

• XRWAReceiver: EIP-712 DVN signature verifier with anti-replay and expiry validation

• NAVOracle: Morpho-compatible price feed with 2% safety haircut

• MorphoAdapter: Unified interface for supply/borrow/repay against Morpho Blue

Go Relayer (Production-grade)

• Event-driven DVN attestation bridge: Mantle locks → Ethereum mints

• Fault-tolerant: exponential backoff, atomic persistence, 3-layer deduplication

• ~1 second processing time (event detection → signature → submission)

Web Frontend (Next.js 16)

• Dynamic SDK embedded wallets: Social login (Google, Apple, email) eliminates seed phrase friction—onboard in seconds

• Zero-config cross-chain UX: Users interact with Mantle and Ethereum seamlessly; RPC endpoints, chain switching, and network configuration are handled automatically

• Configuration-driven environment modes: Toggle between Tenderly VTE (testnet) and Mainnet with a single config flag—same UX, different networks

• Borrower terminal: Lock USDY, receive AcUSDY, borrow USDC

• Lender terminal: Supply USDC to Morpho, earn yield

• Real-time loan health monitoring, liquidation radar, release queue

Test Coverage

• 61 Solidity tests (unit + fuzz + integration)

• 30+ Go tests with race detection

• 196 web tests across 17 suites

• E2E verified on Tenderly VTEs with real USDY and Morpho Blue

Tooling Built

• Price updater service (Railway cron deployment)

• Cross-chain reconciliation tool (orphan lock detection + auto-unlock)

Resources