Rialto.

Borrow against bonds nobody can price.

Lenders read the bond’s own paperwork and bid to fund you. You get it back when you repay, and it keeps paying you the whole time.

One loan, start to finish#12 · settled
you locked2,100 RDN27
you borrowed2,000 dUSD
you repaid2,028.77 dUSD
the bond paid you28.77 dUSD
you kept the bondcost: under a cent
YouRialtoA lenderyour bondcash

You own a bond. Someone else has cash.

Nobody lends against what they cannot price.

YOU HOLDTHE LENDER SAYSa shareLEND ME CASHFine. It is worth £12 right now.a bondLEND ME CASHNo. I have no idea what it is worth.

So the owner sells a perfectly good bond instead — at whatever a buyer offers, on the day they happen to need the money.

So we never ask.

A price nobody can find is replaced by a number three lenders will stand behind.

Fixed once. Never recalculated. Nothing to liquidate.

They read the document, then bid

Lender A2,061
Lender B2,057
Lender C2,084

2,057 is what you repay. It was agreed once and cannot change — not by a market, not by us, not by them.

Already on Hedera

Three things that have happened.

The lender explained itself before it knew if it had won.

20:36:21 reasoning published20:37:22 loan funded

61 seconds

The bid carries the hash of that message. It cannot have been written afterwards to fit.

A loan settled itself with nobody watching.

scheduledtruepayerthe contract itself

No keeper, no bot. Hedera closed the loan and paid its own fee to do it.

The issuer froze the lender, and the network could not settle.

20:33:25settled
20:54:13settled
20:54:22settled
21:11:12refused

The loan held. Nothing was lost, and it completed the moment the freeze lifted.