Problem - Solution
The Problem
1. Idle Bitcoin
More than $1 trillion worth of BTC sits in wallets earning 0 % yield. For long-term holders, the only way to unlock liquidity today is to sell or wrap their coins—both break Bitcoin’s native security guarantees.
2. Risky Work-arounds
Ethereum-style lending apps (e.g., Aave) let you borrow against BTC only after it is converted into Wrapped BTC (WBTC) and moved across a cross-chain bridge. Bridges have been the single biggest point of failure in crypto security, with $2 billion lost to bridge hacks in 2022 alone.
3. Institutional Friction
Regulated funds and treasuries cannot justify bridge or wrapping risk, nor can they tolerate opaque risk models. As a result, most BTC capital remains sidelined—an untapped pool that limits Bitcoin’s role in modern finance.
The Solution — Helios Finance
Native BTC Lending & Borrowing – lend or borrow against real BTC on Bitcoin mainnet.
No wrapping, no bridges, no extra trust assumptions.
Single-Block Interaction – deposit, borrow, or repay in one Bitcoin block.
Withdraw anytime without waiting, top-tier UX, and no cross-chain risks on Bitcoin.
Adaptive Risk Engine – real-time LTV and liquidation logic that reacts to mempool congestion and price volatility.
Keeps positions safer during network stress and protects lenders’ capital.
Ethereum-like Execution Layer
Smart-contract flexibility without leaving Bitcoin’s settlement layer.
Compliance-Ready Design – transparent on-chain accounting, optional KYC hooks.
Gives institutions verifiable audit trails and future-proofs regulatory alignment.
How It Works (Plain English)
Deposit BTC Send Bitcoin to a Helios vault address secured by a decentralized validator network.
Smart-Contract Logic Executes The smart contract reads your deposit and updates the lending pool instantly—no token wrapping required.
Borrow or Earn Yield
Lenders accrue yield in BTC every block.
Borrowers draw liquidity in stablecoins or BTC, backed by their collateral.
Risk Managed in Real Time The protocol continually adjusts collateral requirements using on-chain price feeds and mempool data, keeping lenders safe without manual intervention.
Why It’s a Game-Changer
For Bitcoin Holders – Put BTC to work without ever giving up self-custody.
For Institutions – Access yield and leverage on the world’s most secure blockchain, backed by transparent risk controls.
For Developers – Build Bitcoin-native DeFi apps with familiar Solidity-style tooling, minus bridge headaches.
Helios Finance turns Bitcoin from a passive store of value into an active, productive asset—all while honoring the principles that make Bitcoin trusted: security, transparency, and decentralization.
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