orbit Finance
A Hybrid Self-Repaying Lending Protocol Combining DeFi + Real-World Assets
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About
Orbit Finance is a next-generation lending protocol that enables automatic debt repayment through yield generation. By combining traditional DeFi collateral with tokenized Real-World Assets (RWAs), Orbit creates a sustainable borrowing experience where your debt reduces over time without manual intervention. Orbit Finance is a next-generation lending protocol that enables automatic debt repayment through yield generation. By combining traditional DeFi collateral with tokenized Real-World Assets (RWAs), Orbit creates a sustainable borrowing experience where your debt reduces over time without manual intervention.
How it's made
Protocol Flow The diagram above illustrates the complete self-repaying loan lifecycle: User Deposits Collateral - Yield-generating assets (crypto or RWAs) Collateral Locked - Secured in smart contracts Borrow Token Issued - User receives orUSD stablecoin Collateral Invested - Deployed to yield strategies or SPVs Yield Generated - Continuous income from DeFi protocols or real-world cash flows Yield Auto-Repays Debt - Automatic debt reduction without manual intervention Debt Paid → Collateral Released - Full repayment unlocks collateral Note: RWA loans work like traditional loans but with on-chain transparency. Yield generated from the collateral is automatically used to repay the loan over time, inspired by Alchemix-style self-repaying mechanics. 🔄 How Orbit Finance Works (Step-by-Step) The Self-Repaying Loan Process Deposit Collateral Users can deposit DeFi tokens (WETH, USDC) or tokenized RWAs (rental income NFTs, invoice-backed assets, bonds) Collateral is locked in secure smart contracts Borrow Stablecoins Borrow against your collateral at competitive LTV ratios Receive orUSD (Orbit's synthetic stablecoin) or USDC Yield Generation Begins DeFi Collateral: Automatically deployed to yield-generating vaults and strategies RWA Collateral: Generates real-world cash flows (rental income, invoice payments, bond coupons) Automatic Debt Repayment All generated yield is routed to the Auto-Repayment Engine Yield is automatically applied to reduce your outstanding debt No manual repayment transactions required Debt Reduces Over Time Your loan balance decreases continuously as yield accrues Liquidation risk is significantly reduced Eventually, your loan can be fully repaid by the yield alone Simplified Flow Deposit Collateral (DeFi or RWA) → Take a Loan → Behind the scenes, collateral generates yield → Yield automatically reduces your debt Inspiration & Innovation Orbit Finance is inspired by Alchemix but extends the self-repaying loan concept to: Real-World Assets (RWAs) with institutional-grade compliance Hybrid liquidity pools combining on-chain and off-chain yield KYC/AML-compliant flows for regulated asset classes 🪙 Tokenomics Orbit Finance features a three-token system designed for governance, risk-adjusted yield, and protocol sustainability. Token Overview Token Name Purpose Key Features ORB Orbit Governance Token Protocol governance and utility • Voting on protocol parameters • Staking for fee discounts • Treasury management • Protocol revenue sharing srORB Senior Tranche Token Low-risk RWA investment • Priority claim on RWA cash flows • Lower yield, lower risk • Institutional-grade stability • First-loss protection jrORB Junior Tranche Token High-risk/high-yield RWA investment • Subordinated claim on cash flows • Higher yield potential • Absorbs first losses • Enhanced returns for risk tolerance ORB Token Utility Governance Vote on protocol upgrades and parameter changes Propose new RWA asset classes Manage protocol treasury allocation Staking Benefits Reduced borrowing fees (up to 50% discount) Boosted yield farming rewards Access to exclusive RWA pools Revenue sharing from protocol fees Protocol Incentives Liquidity mining rewards for DeFi vaults RWA originator incentives Referral bonuses Early adopter rewards Tranche Tokens (srORB & jrORB) Senior Tranche (srORB) Target APY: 6-8% (stable, predictable) Risk Profile: Low - first claim on all RWA cash flows Ideal For: Conservative investors, institutions, treasuries Protection: Junior tranche absorbs first 20% of losses Junior Tranche (jrORB) Target APY: 12-18% (variable, performance-based) Risk Profile: Higher - subordinated to senior tranche Ideal For: Risk-tolerant investors seeking enhanced yields Upside: Captures excess returns after senior obligations met Token Distribution (Planned) Note: Final token distribution and supply details will be announced in the upcoming token generation event (TGE). Preliminary Allocation Framework: Community & Ecosystem: 40% Team & Advisors: 20% (4-year vesting) Treasury & Protocol Development: 20% Liquidity Mining & Incentives: 15% Early Backers: 5% 📜 Smart Contracts (Mantle Sepolia Testnet) All contracts are deployed on Mantle Sepolia Testnet (Chain ID: 5003). Core Protocol Contracts Contract Address Description AccountFactory 0xda796117bf6905dd8db2ff1ab4397f6d2c4adda3 Creates user lending accounts DebtManager 0xa7240bcff60eef40f31b8ed5d921bad6db13b199 Manages debt positions and orUSD minting VaultRegistry 0xea2e668d430e5aa15baba2f5c5edfd4f9ef6eb73 Registry of all yield-generating vaults PriceOracle 0xae7b7a1c6c4d859e19301ccac2c6ed28a4c51288 Provides real-time asset price feeds orUSD 0xc565eb7363769f8ffae0005285ccd854c631a0a0 Orbit's synthetic stablecoin DeFi Collateral Vaults Contract Address Description WETH Vault 0x294c69bd8415219b41b68a2f065deabb950dd489 WETH yield-generating vault USDC Vault 0x48288d0e3079a03f6ec1846554cfc58c2696aaee USDC yield-generating vault WETH Strategy 0x222d74f33b0d07687a769a44399e2272a4cb9ffe WETH yield strategy implementation USDC Strategy 0x88777418972fb3f58489303d763d4daf398a6527 USDC yield strategy implementation RWA Protocol Contracts Contract Address Description IdentityRegistry 0x5edb3ff1ea450d1ff6d614f24f5c760761f7f688 KYC/AML identity verification registry RWAIncomeNFT 0x81a5186946ce055a5ceec93cd97c7e7ede7da922 Tokenized real-world income-generating assets OrbitRWAPool 0x98f74b7c96497070ba5052e02832ef9892962e62 Main RWA lending pool SPVManager 0x831c6c334f8ddee62246a5c81b82c8e18008b38f Special Purpose Vehicle manager for RWA cash flows SeniorTranche 0xf47e3b0a1952a81f1afc41172762cb7ce8700133 Senior tranche for institutional investors JuniorTranche 0xc63db9682ff11707cadbd72bf1a0354a7fef143b Junior tranche for higher-risk/higher-yield WaterfallDistributor 0xfc3983de3f7cbe1ba01084469779470ad0bbeffa Distributes RWA cash flows across tranches BundlePool 0xf4c5c29b14f0237131f7510a51684c8191f98e06 Bundled RWA asset pool for diversification Collateral Assets Asset Address Description WETH 0x039d7496e432c6aea4c24648a59318b3cbe09942 Wrapped Ether collateral token USDC 0xbf97defeb6a387215e3e67dfb988c675c9bb1a29 USD Coin collateral token 🚀 Vision Our Mission Orbit Finance aims to become the leading self-repaying lending protocol by creating a unified liquidity layer that bridges DeFi and Real-World Assets. We believe that sustainable, yield-backed borrowing is the future of decentralized finance. Short-Term Milestones (Q1 2026) ✅ Launch on Mantle Sepolia Testnet 🎯 Achieve $1M+ TVL in combined DeFi + RWA collateral 🎯 Onboard 10+ institutional RWA originators 🎯 Complete security audits for mainnet deployment 🎯 Launch governance token and initial liquidity mining programs Long-Term Vision Institutional RWA Integration Partner with regulated asset originators (real estate, invoice financing, bonds) Build compliant on-chain/off-chain bridge for institutional capital Enable fractional ownership of high-value RWAs Sustainable Yield Ecosystem Diversified yield sources across DeFi protocols and real-world cash flows Risk-adjusted tranching for different investor profiles Automated portfolio rebalancing for optimal yield generation Cross-Chain Expansion Deploy on Ethereum, Arbitrum, Optimism, and other L2s Enable cross-chain collateral and yield aggregation Build interoperable RWA standards Compliance & Regulatory Leadership KYC/AML-compliant flows for institutional participants Regulatory-friendly RWA tokenization framework Transparent reporting and audit trails 🛠 Technology Stack Smart Contracts: Solidity ^0.8.24 Frontend: React + TypeScript + Vite Web3 Integration: Wagmi + Viem Blockchain: Mantle Sepolia Testnet Styling: TailwindCSS 📊 Key Features DeFi Mode Deposit WETH/USDC as collateral Borrow orUSD against your deposits Automatic yield generation through vault strategies Self-repaying loans with zero manual intervention RWA Mode Tokenize real-world income-generating assets KYC/AML-verified institutional access Senior/Junior tranche investments SPV-managed cash flow distribution Bundle pools for diversified RWA exposure Hybrid Liquidity Combine DeFi and RWA collateral in a single account Cross-collateralization for improved capital efficiency Unified debt management across asset classes 🔐 Security All smart contracts follow industry best practices Comprehensive test coverage Audits planned before mainnet deployment Multi-sig governance for protocol upgrades 📄 License MIT License - See LICENSE for details 🤝 Contributing Contributions are welcome! Please read our contributing guidelines before submitting PRs. 📞 Contact & Community Website: [Coming Soon] Twitter: [Coming Soon] Discord: [Coming Soon] Documentation: [Coming Soon] Built with ❤️ by the Orbit Finance Team Revolutionizing lending through automatic debt repayment