orbit Finance

Orbit Finance is a next-generation lending protocol that enables automatic debt repayment through yield generation. By combining traditional DeFi collateral with tokenized Real-World Assets (RWAs), Orbit creates a sustainable borrowing experience where your debt reduces over time without manual intervention.

Orbit Finance is a next-generation lending protocol that enables automatic debt repayment through yield generation. By combining traditional DeFi collateral with tokenized Real-World Assets (RWAs), Orbit creates a sustainable borrowing experience where your debt reduces over time without manual intervention.

Protocol Flow The diagram above illustrates the complete self-repaying loan lifecycle:

User Deposits Collateral - Yield-generating assets (crypto or RWAs)

Collateral Locked - Secured in smart contracts

Borrow Token Issued - User receives orUSD stablecoin

Collateral Invested - Deployed to yield strategies or SPVs

Yield Generated - Continuous income from DeFi protocols or real-world cash flows

Yield Auto-Repays Debt - Automatic debt reduction without manual intervention

Debt Paid → Collateral Released - Full repayment unlocks collateral

Note: RWA loans work like traditional loans but with on-chain transparency. Yield generated from the collateral is automatically used to repay the loan over time, inspired by Alchemix-style self-repaying mechanics.

🔄 How Orbit Finance Works (Step-by-Step) The Self-Repaying Loan Process Deposit Collateral

Users can deposit DeFi tokens (WETH, USDC) or tokenized RWAs (rental income NFTs, invoice-backed assets, bonds)

Collateral is locked in secure smart contracts

Borrow Stablecoins

Borrow against your collateral at competitive LTV ratios

Receive orUSD (Orbit's synthetic stablecoin) or USDC

Yield Generation Begins

DeFi Collateral: Automatically deployed to yield-generating vaults and strategies

RWA Collateral: Generates real-world cash flows (rental income, invoice payments, bond coupons)

Automatic Debt Repayment

All generated yield is routed to the Auto-Repayment Engine

Yield is automatically applied to reduce your outstanding debt

No manual repayment transactions required

Debt Reduces Over Time

Your loan balance decreases continuously as yield accrues

Liquidation risk is significantly reduced

Eventually, your loan can be fully repaid by the yield alone

Simplified Flow Deposit Collateral (DeFi or RWA) → Take a Loan → Behind the scenes, collateral generates yield → Yield automatically reduces your debt Inspiration & Innovation Orbit Finance is inspired by Alchemix but extends the self-repaying loan concept to:

Real-World Assets (RWAs) with institutional-grade compliance

Hybrid liquidity pools combining on-chain and off-chain yield

KYC/AML-compliant flows for regulated asset classes

🪙 Tokenomics Orbit Finance features a three-token system designed for governance, risk-adjusted yield, and protocol sustainability.

Token Overview Token

Name

Purpose

Key Features

ORB

Orbit Governance Token

Protocol governance and utility

• Voting on protocol parameters • Staking for fee discounts • Treasury management • Protocol revenue sharing

srORB

Senior Tranche Token

Low-risk RWA investment

• Priority claim on RWA cash flows • Lower yield, lower risk • Institutional-grade stability • First-loss protection

jrORB

Junior Tranche Token

High-risk/high-yield RWA investment

• Subordinated claim on cash flows • Higher yield potential • Absorbs first losses • Enhanced returns for risk tolerance

ORB Token Utility Governance

Vote on protocol upgrades and parameter changes

Propose new RWA asset classes

Manage protocol treasury allocation

Staking Benefits

Reduced borrowing fees (up to 50% discount)

Boosted yield farming rewards

Access to exclusive RWA pools

Revenue sharing from protocol fees

Protocol Incentives

Liquidity mining rewards for DeFi vaults

RWA originator incentives

Referral bonuses

Early adopter rewards

Tranche Tokens (srORB & jrORB) Senior Tranche (srORB)

Target APY: 6-8% (stable, predictable)

Risk Profile: Low - first claim on all RWA cash flows

Ideal For: Conservative investors, institutions, treasuries

Protection: Junior tranche absorbs first 20% of losses

Junior Tranche (jrORB)

Target APY: 12-18% (variable, performance-based)

Risk Profile: Higher - subordinated to senior tranche

Ideal For: Risk-tolerant investors seeking enhanced yields

Upside: Captures excess returns after senior obligations met

Token Distribution (Planned) Note: Final token distribution and supply details will be announced in the upcoming token generation event (TGE).

Preliminary Allocation Framework:

Community & Ecosystem: 40%

Team & Advisors: 20% (4-year vesting)

Treasury & Protocol Development: 20%

Liquidity Mining & Incentives: 15%

Early Backers: 5%

📜 Smart Contracts (Mantle Sepolia Testnet) All contracts are deployed on Mantle Sepolia Testnet (Chain ID: 5003).

Core Protocol Contracts Contract

Address

Description

AccountFactory

0xda796117bf6905dd8db2ff1ab4397f6d2c4adda3

Creates user lending accounts

DebtManager

0xa7240bcff60eef40f31b8ed5d921bad6db13b199

Manages debt positions and orUSD minting

VaultRegistry

0xea2e668d430e5aa15baba2f5c5edfd4f9ef6eb73

Registry of all yield-generating vaults

PriceOracle

0xae7b7a1c6c4d859e19301ccac2c6ed28a4c51288

Provides real-time asset price feeds

orUSD

0xc565eb7363769f8ffae0005285ccd854c631a0a0

Orbit's synthetic stablecoin

DeFi Collateral Vaults Contract

Address

Description

WETH Vault

0x294c69bd8415219b41b68a2f065deabb950dd489

WETH yield-generating vault

USDC Vault

0x48288d0e3079a03f6ec1846554cfc58c2696aaee

USDC yield-generating vault

WETH Strategy

0x222d74f33b0d07687a769a44399e2272a4cb9ffe

WETH yield strategy implementation

USDC Strategy

0x88777418972fb3f58489303d763d4daf398a6527

USDC yield strategy implementation

RWA Protocol Contracts Contract

Address

Description

IdentityRegistry

0x5edb3ff1ea450d1ff6d614f24f5c760761f7f688

KYC/AML identity verification registry

RWAIncomeNFT

0x81a5186946ce055a5ceec93cd97c7e7ede7da922

Tokenized real-world income-generating assets

OrbitRWAPool

0x98f74b7c96497070ba5052e02832ef9892962e62

Main RWA lending pool

SPVManager

0x831c6c334f8ddee62246a5c81b82c8e18008b38f

Special Purpose Vehicle manager for RWA cash flows

SeniorTranche

0xf47e3b0a1952a81f1afc41172762cb7ce8700133

Senior tranche for institutional investors

JuniorTranche

0xc63db9682ff11707cadbd72bf1a0354a7fef143b

Junior tranche for higher-risk/higher-yield

WaterfallDistributor

0xfc3983de3f7cbe1ba01084469779470ad0bbeffa

Distributes RWA cash flows across tranches

BundlePool

0xf4c5c29b14f0237131f7510a51684c8191f98e06

Bundled RWA asset pool for diversification

Collateral Assets Asset

Address

Description

WETH

0x039d7496e432c6aea4c24648a59318b3cbe09942

Wrapped Ether collateral token

USDC

0xbf97defeb6a387215e3e67dfb988c675c9bb1a29

USD Coin collateral token

🚀 Vision Our Mission Orbit Finance aims to become the leading self-repaying lending protocol by creating a unified liquidity layer that bridges DeFi and Real-World Assets. We believe that sustainable, yield-backed borrowing is the future of decentralized finance.

Short-Term Milestones (Q1 2026) ✅ Launch on Mantle Sepolia Testnet

🎯 Achieve $1M+ TVL in combined DeFi + RWA collateral

🎯 Onboard 10+ institutional RWA originators

🎯 Complete security audits for mainnet deployment

🎯 Launch governance token and initial liquidity mining programs

Long-Term Vision Institutional RWA Integration

Partner with regulated asset originators (real estate, invoice financing, bonds)

Build compliant on-chain/off-chain bridge for institutional capital

Enable fractional ownership of high-value RWAs

Sustainable Yield Ecosystem

Diversified yield sources across DeFi protocols and real-world cash flows

Risk-adjusted tranching for different investor profiles

Automated portfolio rebalancing for optimal yield generation

Cross-Chain Expansion

Deploy on Ethereum, Arbitrum, Optimism, and other L2s

Enable cross-chain collateral and yield aggregation

Build interoperable RWA standards

Compliance & Regulatory Leadership

KYC/AML-compliant flows for institutional participants

Regulatory-friendly RWA tokenization framework

Transparent reporting and audit trails

🛠 Technology Stack Smart Contracts: Solidity ^0.8.24

Frontend: React + TypeScript + Vite

Web3 Integration: Wagmi + Viem

Blockchain: Mantle Sepolia Testnet

Styling: TailwindCSS

📊 Key Features DeFi Mode Deposit WETH/USDC as collateral

Borrow orUSD against your deposits

Automatic yield generation through vault strategies

Self-repaying loans with zero manual intervention

RWA Mode Tokenize real-world income-generating assets

KYC/AML-verified institutional access

Senior/Junior tranche investments

SPV-managed cash flow distribution

Bundle pools for diversified RWA exposure

Hybrid Liquidity Combine DeFi and RWA collateral in a single account

Cross-collateralization for improved capital efficiency

Unified debt management across asset classes

🔐 Security All smart contracts follow industry best practices

Comprehensive test coverage

Audits planned before mainnet deployment

Multi-sig governance for protocol upgrades

📄 License MIT License - See LICENSE for details

🤝 Contributing Contributions are welcome! Please read our contributing guidelines before submitting PRs.

📞 Contact & Community Website: [Coming Soon]

Twitter: [Coming Soon]

Discord: [Coming Soon]

Documentation: [Coming Soon]

Built with ❤️ by the Orbit Finance Team

Revolutionizing lending through automatic debt repayment