On-Chain Credit Without Full Collateral
Finara enables non-collateralized and under-collateralized loans on Solana using credit scoring, transaction history, and off-chain data.
Contract Address
GyYqC8Bk41gGc8KLNXzpKbZxkyXXsi3SkKqXFY44pumpWhy Traditional DeFi Lending Falls Short
Current DeFi lending protocols create barriers that limit access to capital
The Problem
- ✕Requires full collateral
- ✕Capital inefficient
- ✕Excludes real-world businesses
The Solution
- Credit-based lending
- Data-driven risk assessment
- Capital-efficient loan models
How Finara Works
A streamlined process from wallet connection to loan disbursement
Connect Wallet
Borrower connects their Solana wallet to the platform
Credit Score Generated
Using on-chain transaction history, wallet behavior, and off-chain financial data
Loan Terms Calculated
Dynamic loan terms based on credit score and risk assessment
Funds Disbursed
Funds disbursed on-chain via Solana smart contracts instantly
Non-Collateralized & Under-Collateralized Loans
Advanced lending infrastructure powered by data-driven risk assessment
Credit Scoring Engine
AI-powered credit scoring based on comprehensive data analysis
Transaction History Analysis
Deep analysis of on-chain transaction patterns and behaviors
Off-Chain Data Integration
Integration with off-chain financial data providers for complete risk profiles
Dynamic Risk-Based Interest Rates
Interest rates that adjust based on real-time risk assessment
Automated Repayment Logic
Smart contract-based automated loan repayment and collections
Security & Trust
Enterprise-grade security infrastructure you can trust
Non-Custodial Architecture
Users maintain full control of their assets at all times
Transparent Smart Contracts
All loan logic is publicly auditable on-chain
Risk Management Engine
Advanced risk management and fraud detection systems
Production-Grade Monitoring
24/7 monitoring with automated alerting and incident response
Auditable On-Chain Logic: All lending operations, repayments, and risk calculations are executed on-chain through transparent smart contracts. The Finara protocol prioritizes security, transparency, and user sovereignty above all else.
Development Roadmap
Our path to building the future of on-chain credit
Now
Completed- MVP Launch on Solana Devnet
- Launch Token
- Build Community
- Core Smart Contract Development
- Initial Risk Engine Development
Q1 2026
In Progress- Credit Scoring v1 Launch
- Mainnet Beta Launch
- Initial Liquidity Provider Onboarding
Q2 2026
Planned- SDK Release
- Public API Launch
- Enhanced Credit Scoring (v2)
Q3 2026
Planned- Enterprise Integrations
- Institutional Liquidity Pools
- Multi-Chain Expansion
Q4 2026
Planned- Governance & Protocol Expansion
- DAO Launch
- Global Lending Network