A compliant, institutional-grade lending protocol deployed on Robinhood Chain L2 using tokenized real-world equities as collateral.
Traditional finance and Web3 are converging, but institutions remain hesitant to participate in DeFi due to compliance risks, volatile gas fees, and the lack of institutional-grade collateral. We built RobinLend to bridge this gap. By combining tokenized real-world equities (like stock assets) with an on-chain KYC verification registry, we created a compliance-first, high-efficiency borrowing and lending market deployed on the Robinhood L2 Testnet.
RobinLend allows whitelisted participants to deposit tokenized stock assets as collateral to borrow stablecoins securely.
On-Chain KYC Gateway: Users must pass a decentralized identity whitelisting check in the KYCRegistry contract before depositing or borrowing.
RWA Collateral: Supports tokenized equities (TSLA, AMZN, PLTR, NFLX, AMD) with asset-specific Loan-to-Value (LTV) limits.
Dynamic 6.12% APY Stability Fee: Implements a time-based interest model that accrues dynamically per second. Upon repayment, the contract automatically splits the transaction, routing 100% of the interest directly to the Protocol Treasury.
2% Liquidation Protocol Fee: If a borrower's Health Factor drops below 1.00, liquidations trigger automatically. The protocol automatically captures a 2% fee cut on the liquidated collateral to generate protocol revenue.
Live Transaction Monitor: Tracks transaction confirmations and gas usage on-chain with direct links to the Robinhood Explorer.
Smart Contracts: Written in Solidity and managed with Hardhat. We utilized OpenZeppelin contract standards for secure ERC20 tokens and access control.
Frontend: Built using React, Vite, and styled with Vanilla CSS (Midnight Navy & Mint Green brand identity).
Web3 Integration: Connected via Ethers.js to read and write directly to the deployed contracts on the Robinhood Chain L2 Testnet (Chain ID 46630).
<h3><strong>Progress Made During the Hackathon</strong></h3><p>We designed, coded, tested, and deployed RobinLend entirely from scratch during this buildathon. Our chronological progress includes:</p><ol><li><p><strong>Architecture Design</strong>: We chose to deploy on the <strong>Robinhood Chain L2 Testnet</strong> to leverage its gas efficiency and alignment with traditional finance. We designed a compliance-first RWA framework combining a whitelist registry with a debt pool.</p></li><li><p><strong>Smart Contract Development (Solidity)</strong>:</p><ul><li><p>Developed <code data-inline="true" spellcheck="false">KYCRegistry.sol</code> for secure user verification.</p></li><li><p>Built <code data-inline="true" spellcheck="false">LendingPool.sol</code> supporting deposits, stablecoin borrowing, LTV-guarded accounts, and real-time interest generation.</p></li><li><p>Coded on-chain interest splitting: Repayments automatically route the 6.12% APY stability fee to a dedicated treasury wallet.</p></li><li><p>Programmed a 2% protocol fee cut during liquidations.</p></li></ul></li><li><p><strong>Hardhat Testing & Validation</strong>:</p><ul><li><p>Wrote and executed a suite of <strong>9 comprehensive unit tests</strong> in Hardhat, achieving 100% test coverage for all edge cases including interest accrual math and compliance restrictions.</p></li></ul></li><li><p><strong>On-Chain Deployment</strong>:</p><ul><li><p>Successfully deployed the contract suite to the live <strong>Robinhood Chain Testnet</strong>.</p></li><li><p>Upgraded and connected the official faucet contract to easily distribute mock stock collateral.</p></li></ul></li><li><p><strong>Frontend Dashboard & UX (Vite, React & CSS)</strong>:</p><ul><li><p>Crafted a custom landing page displaying dynamic TVL and borrows calculated directly from on-chain balances.</p></li><li><p>Built the main dApp dashboard featuring wallet network checks, transaction confirmations, and a Live Transaction Monitor that details block validation and explorer links.</p></li><li><p>Fixed a critical capacity display bug to show the true available borrow power (capacity minus debt) and added a quick "Max" pre-fill helper.</p></li></ul></li><li><p><strong>Documentation</strong>:</p><ul><li><p>Integrated a full, GitBook-style developer documentation panel directly into the web interface for user onboarding.</p></li></ul></li></ol>
<p>RobinLend is currently bootstrapped, created from scratch during the Arbitrum Open House London Buildathon, and has not raised any external capital or funding.</p>
