Humane Banque is a fixed-term lending protocol that uses World ID verification to create a Sybil resistant lending marketplace. The protocol offers fixed maturity dates (30, 90, 180 days) for loans with interest rates determined through auction-based price discovery.

Key features:

• Fixed loan terms with predictable maturity dates
• ZK Blacklisting mechanism for loan defaulters
• Auction-based interest rate discovery without token subsidies
• Over-collateralization for risk management
• Integration with Worldcoin's MiniKit for seamless verification
• Mandatory World ID verification for all participants

The protocol addresses common DeFi lending issues by eliminating duration mismatch risk through fixed terms and creating sustainable economics without requiring token emissions or subsidies.

Built using World MiniKit The core protocol is implemented as a Uniswap V4 hook (AuctionRepoHook) written in Solidity, leveraging Uniswap's infrastructure for efficient collateral liquidation.

Authentication uses NextAuth.js with Worldcoin integration for proof-of-humanity verification. The verification flow uses World ID's ZK proofs to ensure real humans while maintaining privacy through nullifier hash tracking.

Smart contracts are developed with Solidity 0.8.20 and OpenZeppelin's security patterns. The project utilizes Hardhat for contract deployment and Ethers.js for blockchain interactions.