How Helios Differs from Other Protocols

Bitcoin’s base layer doesn’t offer native smart contracts, so Helios anchors its logic on an EVM-compatible execution layer that sits directly on top of Bitcoin mainnet(MIDL). Every loan, repayment, and liquidation is executed in Solidity yet ultimately settled in raw BTC within 1 BTC block, so users keep self-custody and never leave the Bitcoin security envelope.

Beyond the core architecture, Helios is built to satisfy the operational, security, and compliance checklists that professional capital demands:

• Audit-ready transparency – All positions are provably solvent via on-chain proof-of-reserves and real-time Merkle-tree attestations, making third-party audits and regulatory reporting frictionless.

• Dynamic risk controls – An adaptive model tunes LTVs and liquidation buffers block-by-block, reacting to mempool congestion, fee spikes, and spot-market volatility instead of waiting for governance votes.

• Compliance hooks – Native event feeds export KYC/KYB flags, travel-rule metadata, and transaction analytics, streamlining integration with custodians, fund administrators, and auditors.

Taken together, these choices make Helios a Bitcoin-first lending market that is secure, transparent, and ready for regulated capital—without the bridge risks or governance lag that characterize many Ethereum-based alternatives.