Protocol Design

NAOS is a lending protocol that bridges TradFi and DeFi, allowing real businesses to access liquidity from DeFi without overcollateralization.

Borrowers collateralize assets off-chain and provide fixed interest payments on-chain. All assets undergo rigorous risk assessments and are insured. Lenders supply stablecoins and receive fixed yields generated from real world assets.

Instead of holding the community responsible for asset onboarding decisions, NAOS works with third-party auditors to assess borrowers and establish credit scores based on loan performances.

The credit score system serves as the basis for governance, allowing the community to make informed and benchmarked decisions for subsequent borrower onboarding.