Shine a light on DeFi lending
Lumen is a proof-of-funds system for institutional, onchain credit. Privacy-preserving borrower attestations empower lenders to more efficiently price lending pools, extend credit limits and reduce default risk.
Confidentially prove funds
Manage risk more clearly
Visible, efficient lending
Attest to funds from every major exchange
Trust based on transparency
What is the key to unlock faster expansion of real-world and under-collateralized assets onchain? Read our report on the history of DeFi, CeFi, and what the future needs for onchain lending to grow for the long-term.
Preserve privacy with Lumen's Secure Enclave
Lumen's enclave is a highly secure and isolated environment where sensitive operations, like proving ownership of assets using zero-knowledge proofs and confidential computing, are conducted. It enables all parties to have confidence in the integrity of the verification process, all while remaining private, secure, and compliant.
Value-add for every market participant
Lenders
Enhanced Security: Lumen ensures asset verification without exposing sensitive data, reducing fraud risk.
Transparent Decisions: Transparent collateral insights enable lenders to make informed lending decisions.
Borrowers
Privacy Preserved: Borrowers can prove asset ownership while keeping their sensitive information private.
Improved Access: Access to capital becomes more efficient and secure for borrowers.
Underwriters
Risk Assessment: Underwriters can assess asset liquidity securely for accurate risk assessment.
Streamlined Process: Lumen simplifies and speeds up the collateral verification process, making underwriting more efficient.
Protocols
Efficiency: Lumen enhances onchain capital market protocols, reducing friction and enabling faster transactions.
Security: Advanced cryptographic techniques bolster protocol security, reducing vulnerabilities.
The Path to illumination
Lumen aims to address the critical need for transparent and verifiable proof of funds, enabling institutions to access onchain credit securely and efficiently.
By delivering a comprehensive solution, this roadmap sets the stage for wider adoption of DeFi by institutional players, fostering greater liquidity, transparency, and trust for onchain credit.
