Overview
The Origin and Evolution of Secured Finance
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The Origin and Evolution of Secured Finance
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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.
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.
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.