Secured Finance Docs
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  • Introduction
    • ⚜️About Secured Finance
    • 🎏Vision & Mission
    • 🌍Ecosystem Overview
    • 🏁Roadmap
      • Roadmap 2024
      • Roadmap 2023
    • 📚DeFi Starter Guide
      • 🔄DeFi vs CeFi
      • 👛Wallet Setup
      • ⛽Gas Fees
      • 🤝DApps
      • 🏦DEX
      • 📝Smart Contracts
      • 🪙Governance Tokens
      • 🏛️DAOs
  • USDFC Stablecoin
    • 📢Overview
    • 🧙Getting Started
      • ⛽Creating Your First Trove
      • 👛Minting USDFC Step-by-Step
      • 🤝Managing Collateral Effectively
      • 🏦Monitoring Your Position
      • 🏊Using the Stability Pool
      • 💸Redeeming USDFC
    • 🔦Core Mechanics
      • 🏗️System Overview
      • ✏️The Trove System
      • 💰Mint & Borrow
      • 🚰Liquidation
      • 💸Redemption
      • 🧀Protocol Fees
    • 🎓Advanced Topics
      • 🚨Recovery Mode
    • 📔Contracts and Security
    • ❓FAQs
  • Fixed-Rate Lending
    • 📢Overview
      • 📖White Paper
      • 🎓Concept Paper
    • 🧙‍♂️Getting Started
      • 💵Lending Assets
      • 🏦Borrowing Assets
      • 📈Managing Positions
      • 🎮Platform Guide
        • 💰Trading
          • 💲Supported Currencies
        • 📈Markets
        • 🐋Portfolio
        • Bridge
        • 🚀Points
        • 📣Campaign
    • 🔦Core Mechanics
      • 🧩Order Book System
        • 🆎Order Type
        • 🪃Order Life Cycle
          • 💫Case Study: Order Status & Transition
      • 📐Standardization
        • 💠Zero-Coupon Bonds
        • ⏳Fixed Maturity
      • 🏋️Collateralization
      • 🪙Tokenization
      • 🚰Liquidation
        • ⚖️Mark to Market
        • 👮‍♂️Liquidators
          • ✏️How Liquidation Works
        • 📋Liquidation Case Study
      • 🧀Protocol Fees
    • 🎓Advanced Topics
      • 📈APR vs APY
      • ➗ZC Bond Price to APR
      • 📉Discount Factor
      • 🏋️‍♀️ZC Bond Collateral
        • 🏍️ZC Collateral Case Study
      • 🧬Market Dynamics
        • ♻️Auto-Rolling
          • 💰Price Discovery for Auto-Rolling
        • 🗓️New Market Listing and Delisting
          • 🤝Itayose - Fair Price Discovery
      • 🛡️Safety Measures
        • 🚦Circuit Breaker
          • 🛑Price Range Limits
        • 🪄Base Price Adjustment
        • 🌎Emergency Global Settlement
      • ⛓️Orderbook Deep Dive
        • 🎡Orderbook Rotation
        • 🎋Red Black Tree
        • ⏯️Lazy Evaluation
        • ⏮️Genesis Value
        • 🔄Compound Factor
    • 📔Contracts and Security
    • ❓FAQs
  • Developer Portal
    • 🧑‍💻Introduction
    • 🔌API Reference
      • 📈Fixed-Rate Lending Subgraph
        • 🔍Query Examples
    • 📦SDK Reference
      • ⛽Fixed-Rate Lending SDK
      • 👛USDFC SDK
    • 🐛Bug Bounty
  • Community
    • 🤝Overview
    • 🏛️Governance
    • 🪙Tokenomics
      • 🔵Secured Finance Coin (SFC)
      • 🔶Secured Finance Points (SFP) v2
        • 🔶Secured Finance Points (SFP) v1
    • 🎗️Support & Contacts
  • Resources
    • 🖼️Media Kit
      • 🖼️Secured Finance Logo
      • 💲USDFC Logo
    • ⚖️Legal
      • 📜Terms of Use
      • 🔒Privacy Policy
      • ⚠️Risk Disclaimer
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  • Secured Finance: Pioneering Fixed-Rate DeFi
  • Our Core Technology
  • Expanding into the Future

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  1. Fixed-Rate Lending

Overview

The Origin and Evolution of Secured Finance

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Last updated 1 month ago

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Secured Finance: Pioneering Fixed-Rate DeFi

Secured Finance began in 2020 at a hackathon, where we set out to create an on Ethereum. Our goal was to enable lending and borrowing of digital assets and establish yield curves in the DeFi ecosystem. Since then, we've evolved into a fully on-chain, fixed-rate, fixed-term lending and borrowing platform. As of 2025, our operates seamlessly across Ethereum, Arbitrum, and Filecoin chains.

Our Core Technology

At the heart of our platform is a unique Zero-Coupon Bond instrument, powering secure and efficient crypto asset lending and borrowing. This innovative approach offers several key advantages:

  • Predictable Returns: Fixed rates provide certainty for both lenders and borrowers

  • On-Chain Transparency: All transactions and order matching occur fully on-chain

  • Capital Efficiency: Optimized collateral requirements and liquidation mechanisms

  • Composability: Tokenized debt positions can be used across the DeFi ecosystem

We simplify the complexities of traditional bond and loan lifecycle management, delivering a transparent, cost-effective, and user-friendly alternative. Whether you're a borrower seeking stable financing or an investor looking for predictable yields, Secured Finance offers a streamlined DeFi experience.

Expanding into the Future

In 2025, as DeFi evolves and traditional capital flows into Real-World Assets (RWA) and stablecoins, Secured Finance is broadening its horizons. We've introduced:

  • RWA-collateralized finance solutions: Bringing real-world assets on-chain

  • USDFC: A Filecoin-backed stablecoin that strengthens the Filecoin ecosystem

  • Expanded token lending options: Supporting a wider range of digital assets

  • Cross-chain interoperability: Seamless operations across multiple blockchains

Join us as we redefine the future of decentralized finance and build a more accessible, transparent financial system for everyone.

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