Helios & MIDL Architecture Overview

Helios Finance is a Bitcoin-native lending protocol built as a smart contract layer on top of the MIDL network. This design cleanly separates Helios’s role – providing lending logic and financial mechanics – from the underlying infrastructure responsibilities handled by MIDL. In practice, Helios does not run its own blockchain or manage validators. Instead, it leverages MIDL’s Delegated Proof-of-Stake (DPoS) network of validators and its Threshold Signature Scheme (TSS) custody system for security and consensus. This means tasks like transaction validation, consensus, and fund custody are abstracted to the MIDL network, while Helios focuses on the lending protocol logic. The result is a secure, decentralized architecture where Helios can offer Bitcoin-native loans without directly operating any validators or custodians.