Smart Contracts

All capital flows through audited smart contracts with no centralized custody:

Escrow Mechanism

The escrow contract holds:

Item	Description
Asset ownership rights	Tokenized representation of the receivable
Investor capital	Held until released to seller
Debtor payments	Held until distributed to investors

No party—including the protocol team—can unilaterally access escrowed funds.

Settlement Triggers

Automated settlement occurs when:

• Debtor payment confirmed (via oracle or direct deposit)

• Maturity date reached

• All conditions in smart contract satisfied

Manual intervention is only possible through governance for exceptional circumstances (e.g., dispute resolution).

Contract Architecture

Upgrade Mechanism

Contracts use a transparent proxy pattern:

Feature	Description
Multi-sig approval	Upgrades require multiple signatures
Time-lock delay	Waiting period on all upgrades
Emergency pause	Halt functionality for critical issues

Audit Status

All smart contracts undergo:

• Pre-deployment third-party audits

• Ongoing bug bounty program

• Formal verification for critical functions

Audit reports will be linked here upon completion.