Lending Protocol
Technical documentation for the Bond lending smart contracts.
Architecture
The Bond lending protocol is a custom implementation deployed on the 0G Network. It uses a modular contract architecture with separate contracts for core lending logic, asset management, interest rate calculations, and oracle price feeds.
Contract Addresses (0G Testnet — Staging)
wA0GI
0x51edc1ff2d2369f7ac5faccf68dfd3b5692ddca7
LendingManager
0x93083ba2c37887759d3ebd7850433312904a2f54
LendingInterface
0xa8c9a9916c63606d5af6402a3c92a22157aa1508
CoinFactory
0xe27cb2fd93994b561d7bdbc2896c46e3b8434336
LendingCoreAlgorithm
0x2cba54d2a442e12505d03b7471b080caab6de807
LendingVaults
0xf9ea1a118087cdac244dd2f3488039d235d95454
Oracle
0xaa3cc84c59ebe991a11a21fbe9d98bc98d3ee762
RewardContract
0xd4fadba86d6d0abfd8dd1eca8ba5eb15a8152a21
Deployment: staging · Network: 0G Newton Testnet · Chain ID: 16602 · Commit: 8a57e47
Core Contracts
LendingManager
Central contract managing lending pools, user positions, supply/borrow operations, and collateral state. Orchestrates interactions between other contracts.
LendingInterface
Read-only interface contract providing aggregated views of market data, user positions, and protocol metrics. Used by the frontend for efficient data fetching.
CoinFactory
Factory contract for creating and managing lending pool assets. Handles deposit and loan token minting/burning for each supported asset.
LendingCoreAlgorithm
Pure math contract implementing the interest rate model, health factor calculation, liquidation threshold checks, and utilisation-based rate curves.
LendingVaults
Vault management contract handling isolated lending pools, risk separation, and per-vault accounting.
Oracle
Price oracle integration using Chainlink-compatible AggregatorV3 feeds. Provides real-time asset valuations for collateral assessment and liquidation checks.
RewardContract
Manages protocol incentive distribution and reward accrual for lending participants.
Lending Modes
Mode 0: High Liquidity
Standard shared lending pool with market-driven interest rates. All assets in this mode share the same risk pool and collateral is cross-margined.
Mode 1: Risk Isolation
Isolated lending pools with capped exposure. Each asset has a maximum lending amount, limiting protocol exposure to volatile or newer assets.
Mode 2+: Homogeneous
Specialised lending pools with custom LTV ratios for specific asset pairs or strategies.
Key Parameters (Per Asset)
collateralFactor
Max borrow power as % of supply value
liquidationThreshold
Collateral ratio triggering liquidation
liquidationPenalty
Fee applied to collateral during liquidation
reserveFactor
Protocol's share of interest revenue (0-1)
bestLendingRatio
Optimal utilisation threshold (basis points)
bestDepositInterestRate
Supply rate at optimal utilisation (basis points)
supplyCap
Maximum amount that can be supplied
borrowCap
Maximum amount that can be borrowed
Source Code
Full contract source available at github.com/Bond-xyz/bond-lending-contracts