SafeDeposit Zero

What is SafeDeposit ?

SafeDeposit Zero is an on-chain rental guarantee protocol that reimagines how security deposits work in the real estate market. By replacing large upfront rental deposits with affordable monthly guarantee fees, SafeDeposit enables tenants to preserve their liquidity while giving landlords reliable financial protection.

Today, tenants are often required to lock away one to two months of rent as a security deposit. This creates a significant financial barrier to securing a home, while landlords still face uncertainty around property damage, unpaid rent, and lengthy deposit disputes. SafeDeposit addresses both sides of this problem through a transparent, blockchain-powered rental guarantee system.

Built on Arbitrum and powered by Paxos USDG, SafeDeposit introduces a capital-efficient guarantee pool that connects tenants, landlords, and investors in a single on-chain ecosystem.

How It Works

• For Tenants : Move into a rental property without paying a large upfront security deposit. Instead, tenants pay a predictable monthly guarantee fee and retain greater control over their cash flow.

• For Landlords: Receive an on-chain rental guarantee covering approved claims for property damage or unpaid rent, with transparent evidence, defined claim periods, and immediate payouts upon approval.

• For Inventors: Provide capital to the guarantee pool through USDG and gain exposure to potential returns generated by tenant premiums, USDG partner rewards, tokenized Treasury Bill yield, and claim recoveries.

Built for Transparency and Accountability

SafeDeposit uses modular smart contracts to manage rental policies, guarantee coverage, premium payments, claims, repayments, and investor accounting. An on-chain rental history system determines tenant risk tiers, while verifiable evidence stored on IPFS helps establish a transparent record of property conditions and claim disputes.

The protocol also incorporates investor protection mechanisms, including a first-loss reserve, coverage limits, pending-claim accounting, concentration controls, and a withdrawal queue. These mechanisms are designed to align incentives between tenants, landlords, and capital providers while making the risks of the guarantee pool visible on-chain.

Real-World Assets & Real-World Utility.

SafeDeposit brings decentralized finance into an essential part of everyday life: renting a home. Rather than relying on speculative token incentives, the protocol is designed around real-world rental activity and transparent financial flows.

Starting with rental markets in Indonesia and Singapore, SafeDeposit aims to establish a scalable rental guarantee infrastructure that can expand across property operators, landlords, and regional housing markets.

Our Vision

We envision a rental ecosystem where access to housing does not require tenants to sacrifice months of liquidity, landlords can secure reliable financial protection, and investors can participate in a transparent, real-world financial product.

SafeDeposit Zero is building the infrastructure to make renting more accessible, capital-efficient, and trustworthy - one rental guarantee at a time.

During the Arbitrum Open House Singapore Buildathon, we have developed the technical architecture and product foundation for SafeDeposit Zero, focusing on building a functional, modular, and transparent on-chain rental guarantee system.

Smart Contract Architecture

We designed a modular Solidity-based architecture comprising the GuaranteePool, PolicyManager, ClaimManager, TenantRegistry, and PremiumCalculator. The system follows ERC-4626 vault principles to manage USDG deposits, investor shares, guarantee pool accounting, and withdrawals.

Rental Guarantee Mechanism

The protocol defines an end-to-end rental guarantee lifecycle, including landlord invitations, tenant onboarding, monthly premium payments, policy activation, and coverage management. Risk tiers are designed to be calculated from on-chain rental history rather than manually assigned by landlords.

Transparent Claims and Dispute Resolution

We designed a structured claims process with defined submission and response windows, evidence verification, tenant dispute capabilities, and arbiter-based resolution. Approved claims are paid by the guarantee pool, while tenants repay outstanding obligations through structured installments.

Investor Protection and Yield Infrastructure

The protocol incorporates a first-loss reserve, pending-claim liabilities, landlord concentration limits, minimum reserve requirements, and a withdrawal queue. We also designed modular yield adapters for USDG partner rewards and tokenized Treasury Bills, with simulated yield sources for the testnet environment.

Product Experience and Technical Integration

The frontend architecture is built around Next.js, TypeScript, Tailwind CSS, shadcn/ui, wagmi, viem, and RainbowKit. The product design includes dedicated interfaces for tenants, landlords, investors, arbiters, and administrators, with a focus on making complex on-chain financial processes accessible through a straightforward user experience.

Property condition evidence is designed to be uploaded to IPFS through Pinata, with content identifiers and cryptographic hashes recorded for verification.

Current Development Focus

Our immediate focus is integrating the smart contract architecture with the user interface, validating the complete rental guarantee lifecycle, and preparing a demonstrable testnet on Arbitrum Sepolia.

SafeDeposit Zero is currently bootstrapped. As we advance our core protocol on Arbitrum and prepare for initial pilot deployment, we are exploring early-stage funding and strategic partnerships to accelerate our go-to-market