One credit line over everything you own, across every venue, with nothing ever transferred to a lender.

To borrow against an asset today you hand it over. It leaves the vault, stops staking, stops earning, and sits with a lender who could not have lent otherwise, because if you failed to pay they needed something to sell. A portfolio spread across venues cannot be borrowed against at all without first being pulled together in one place.

Collateral that never moves. Each venue attests from its own key what it holds for you; an attested lien makes it borrowable against; the attestations, less their haircuts, add up to one borrowing power. You draw USDC against it. If attested power ever falls below what is drawn, anyone may call the line, and the call is the on-chain instruction every venue under lien is bound to act on. The screen is one bar of everything you own, re-proportioning as you draw.

A lender accepts collateral it does not hold only if a call against it is instant and certain. On Arc the call settles in under a second with deterministic finality, which is the exact property that lets the collateral stay where it is.

• Origination fee. Half a percent of every draw. Already in the contract.
• Interest share. A fifth of the interest lenders earn.
• Attester network. Venues pay to be attesters; the collateral API is sold to lenders per query.

Securities-based lending is a multi-hundred-billion-dollar business built on custody. Staked and vaulted assets on chain are hundreds of billions more with no lending against them at all, because moving them breaks what they are doing.

• Lien, live on Arc mainnet
• Lien.sol: five tests, one power across venues
• Deploy it from your wallet

1. Live nowThe bar, attestations, one power, draws, calls, the origination fee, deploy from a wallet.
2. 90 daysAttester SDK for venues; interest accrual; lender pool with returns; on-chain attestation from Arc balances.
3. 6 monthsThree venues attesting; a custodian pilot; ten million dollars of lines.
4. 12 monthsThe collateral API as the standard way to read holdings across venues on Arc.

A developer grant of USD 60,000 over six months funds the attester SDK, interest accrual and two venue integrations. Draft figure.

Built by one person, in the open, on a foundation that puts a new product on Arc in under an hour. Name your price, or free.

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