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Introducing LendingZK, a pioneering lending platform prioritizing privacy. Experience confidential transactions with zero-knowledge email. Say goodbye to traditional hassles; welcome a new era of financial empowerment.


Created At

ETHGlobal Istanbul

Winner of


Chronicle Protocol - Integrate a Chronicle Oracle

Prize Pool

Project Description

Welcome to LendingZK, a revolutionary lending platform merging the power of email and zero-knowledge proof for unparalleled privacy. Our lending protocol, driven by email, transforms traditional finance workflows:

  1. Account Creation: Seamlessly start your lending journey by sending an email to app@lendingprotocol.example. We'll create an Ethereum address for you, controlled by your email, ensuring a secure and user-centric experience.

  2. Borrowing on User Side: Need a loan? Simply email app@lendingprotocol.example, stating your intention to stake 1 ETH as collateral for a 1000 DAI loan. The lending protocol, powered by zero-knowledge proof, securely transfers 1 ETH from your wallet to the protocol and sends 1000 DAI back to you.

  3. Staking and Donation: LendingZK goes beyond lending – our platform allows users to stake their assets. Moreover, users can donate a portion of their staking rewards, utilizing zero-knowledge proof for privacy and security.

  4. Repayment: When it's time to repay, send an email to app@lendingprotocol.example, expressing your intention to repay 1000 DAI. The lending protocol efficiently repays and returns your ETH collateral.

Leveraging cutting-edge technology, LendingZK ensures that all your transactions remain confidential through the use of zero-knowledge proof. Your financial interactions are seamlessly conducted via email, providing a user-friendly and secure environment. Join us in reshaping the future of lending—where privacy meets efficiency, and your financial control is at the forefront.

How it's Made

How It's Made: LendingZK

At LendingZK, crafting a revolutionary lending platform involved meticulous attention to detail and a tech stack designed for innovation.

Oracle and Smart Contracts: Lending Chronicles: Our oracle solution, Lending Chronicles, plays a crucial role in providing accurate and real-time data for the lending protocol. This ensures that loan terms and collateral are dynamically adjusted based on the latest market conditions. The integration with Lending Chronicles enhances the reliability of our platform.

Solidity Smart Contracts: The backbone of our platform relies on Solidity, a programming language specifically designed for developing smart contracts on the Ethereum blockchain. These contracts govern the lending process, from collateral locking to fund disbursement and repayment.

Zero-Knowledge Proofs: Circom: We employ Circom to create zero-knowledge circuits, enabling secure and private transactions. Circom is instrumental in constructing succinct proofs that validate the authenticity of transactions without revealing sensitive details. This technology forms the bedrock of our commitment to user privacy.

Workflow Integration: Our unique workflow leverages users' email addresses as the primary identifier for all operations. A user initiates the process by sending an email to app@lendingprotocol.example, triggering account creation or loan requests. This user-friendly approach simplifies interactions while maintaining the highest standards of security.

Hacky Notables: In our quest for innovation, we embraced certain "hacky" yet ingenious approaches. Notably, the use of email as the primary communication channel for transaction initiation is a paradigm shift. This not only enhances accessibility but also aligns with our commitment to user-centric design.

Partner Technologies: While we pride ourselves on self-sufficiency, our integration with Lending Chronicles exemplifies the benefits of collaboration. Partnering with Lending Chronicles enriches our oracle capabilities, ensuring that our users benefit from the most accurate and timely market data.

At LendingZK, our tech stack represents the synergy of traditional blockchain components and cutting-edge solutions like Circom. This amalgamation forms the foundation of a lending platform that not only prioritizes security and privacy but also redefines the user experience. Join us in this technological journey, where transparency, innovation, and user empowerment converge.

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