Tide-Intents

Tide Protocol is a decentralized lending platform on the Sui Network that completely reimagines the borrowing and lending experience by moving away from traditional, inefficient pool-based models. Instead of depositing assets into a shared "black box" liquidity pool where risks are socialized and spread captures value, Tide introduces an Intent Centric Architecture. In this p2p model, lenders and borrowers express their exact terms through on-chain intents, LendOffers and BorrowRequests. At its core, Tide acts as a hyper-efficient matching engine. Lenders simply specify their desired yield and loan duration, while borrowers list their collateral and funding needs. An intelligent off-chain solver then detects overlapping intents and cryptographically binds them into a secure, atomic loan agreement on-chain. This ensures zero spread execution: lenders earn exactly what borrowers pay, maximizing capital efficiency for both sides without the drag of idle pool liquidity. Tide leverages the power of DeepBook V3,to handle complex settlements and risk management. This integration allows for robust features like "Repay with Collateral," where a borrower can instantly swap their locked collateral for the loan currency to settle debts in a single transaction.

There is in No Bad Debt Socialization: your capital is never at risk from the poor performance of other loans in the system, giving users unprecedented control and transparency over their financial exposure.

Tide Protocol is architected natively on the Sui Network using the Move programming language. We deliberately moved away from the standard shared-pool design and instead implemented a true peer-to-peer model where every Loan, LendOffer, and BorrowRequest is a distinct on-chain object. This leverages Sui's object-centric model to prevent state contention and allows for infinite horizontal scalability.

• The frontend is built with React, Vite, and Tailwind CSS, integrating @mysten/dapp-kit to construct complex Programmable Transaction Blocks (PTBs). A key technical highlight is our deep integration with DeepBook V3. We didn't just use it for simple swaps; we embedded it into our core settlement flow. The "Repay with Collateral" feature is a sophisticated PTB that atomically withdraws locked collateral, executes a seamless swap on DeepBook for the loan currency (USDC), and repays the debt, all in a single transaction.
• This required careful orchestration of Move calls to ensure slippage protection and solvency checks passed within the same block.

On the client side, we implemented a "serverless indexer" pattern. Instead of relying on a heavy backend database, the frontend directly queries and aggregates disparate LendOffer and BorrowRequest objects functionality to reconstruct a unified "Order Book" UI in real-time. This makes the dApp fully decentralized and resilient, as it interacts directly with the blockchain state.