# Overview

## **Secured Finance: Pioneering Fixed-Rate DeFi**

Secured Finance began in 2020 at a hackathon, where we set out to create an [**Orderbook-based Rates DeFi Trading Platform**](https://docs.secured.finance/fixed-rate-lending-protocol/full-on-chain-orderbook) 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 [**WebApp**](https://app.secured.finance/) 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.