Collateral Banking Redefined
A new kind of "Self-Paying" DEFI Lending Protocol with yield based risk derivatives
POWERED BY BLACK COLLATERAL
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Magical Risk Free Loans That Pays Itself
Imagine a bank. You can deposit money, and the bank pays you 10-15% interest. There's a credit card attached to the account, with a credit limit of 50% of the amount you have deposited. There's no interest on the card. There are no monthly payments to make. Instead, the interest you earn on your balance pays off any debt you have, automatically. Additionally, you can minimize the DeFi risks, such as inflation, market correction, and cash-flow volatility situations through tokenized debt based tranch profiles
Capital
Efficient
Get instant access to cbUSD while your deposit earns interest in the background
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No Liquidation
Risk
No matter what happens we'll never liquidate your deposit and you'll keep full access
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Black Collateral (BLACK)
BLACK COLLATERAL is the fuel that drives the Carbonix platform economics. Users claim new black tokens tokens by staking liquidity in various staking pools. Read the Whitepaper below to learn more about the currency dynamics
Carbonix Stable Coin
cbUSD is the stablecoin that is minted when users take out a loan using Carbonix platform. It can be traded for other stable coins using a dedicated stable swap pool or swapped to BUSD over time using Carbonix Stabilizer. cbUSD can also be staked to earn BLACK tokens in the cbUSD pool.
Carbonix Stablizer
The CARBONIX stabilizer completes the life cycle of cbUSD. It backstops the peg by guaranteeing that all outstanding alUSD can be converted 1:1 to BUSD. When cbUSD is staked in the Stabilizer, it is converted to BUSD over time via the proceeds from loan repayments. When BUSD is eventually claimed, the staked cbUSD is burned.
Carbonix Protocol Architecture
The basic mechanics of CARBONIX is simple: a borrower deposits an amount of BUSD (1 BUSD is 1 USD), and take a loan of up to 50% LTV of the deposited amount in cbUSD, CARBONIX’s USD stable coin after applying a debt based tranch to minimize DeFi risk. Over time, the 50% LTV loan is paid off using the net returns from staking the initial principal of BUSD deposited.
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