TwinPanda

Problem

• Traditional savings give poor yields and slow access to credit.

• Real‑world asset exposure (gold/silver/diamonds) is hard to combine with crypto liquidity.

• Centralized lenders are opaque and risky.

Solution

• A permissionless lending protocol that merges real‑world asset exposure with crypto liquidity.

• Smart‑contract risk engine sets collateral factors and dynamic interest rates.

• Users earn by supplying assets; borrowers get over‑collateralized loans in stablecoins.

Product

• Lending Market: interactive assets table with Supply/Borrow, APRs, and positions.

• 1‑Click Supply and Claim & Re‑Supply for auto‑compounding rewards.

• Account panel: health factor, borrow limit, liquidation level.

• Beautiful, reactive UI on Sui with animated background and shadcn components.

How it works

• Supply assets → receive interest + rewards.

• Borrow against collateral via on‑chain oracles and rate curves.

• Liquidations are handled by keepers when health factor falls below threshold.

Key features

• Support for Gold, Silver, BTC, USDC, USDT, Diamond at launch.

• Transparent APRs and mock data ready to swap for live oracles.

• Modular design for new markets, isolated risk pools, and rewards.

• Gas‑efficient, fast finality on Sui.

Market

• Addressable users: crypto lenders/borrowers, RWA traders, exchanges, and wallets.

• Growing RWA tokenization market; demand for on‑chain credit and stable yields.

Business model

• Protocol fees on interest spread and liquidation bonuses.

• Optional performance fees on auto‑compound vaults.

• Withdraw physical Gold fee.

• Token incentives to bootstrap liquidity, tapering over time.

Technology

• Next.js + shadcn UI; React Query data layer.

• Sui smart contracts (Move) for lending pools, interest rate model, liquidation engine.

• Oracle adapters for gold/silver/diamond and crypto prices.

Go‑to‑market

• Integrations with Sui wallets and DEXs.

• Partner with RWA issuers and exchanges for asset on‑ramps.

• Community campaigns: points, quests, market‑maker rewards.

Competition and moat

• Competes with Aave/Compound‑style lenders; differentiated by RWA focus on Sui, UX polish, and modular pools with conservative risk parameters.

Traction (hackathon)

• Working UI: swap, lending market, account panel, interactions and mock APRs.

• Ready to plug in on‑chain data and deploy testnet pools.

Roadmap

• Phase 1: Testnet launch with live oracles and audits.

• Phase 2: Isolated RWA pools, auto‑compound vaults, rewards program.

• Phase 3: Cross‑margin, permissioned institutional pools, real revenue sharing.

The ask

• Seeking partners for oracle/RWA feeds, liquidity providers for genesis pools, and grants to finalize audits and testnet launch.