Documentation

01. What is AxiomFlow?

AxiomFlow is a revolutionary DeFi lending platform that introduces the concept of self-paying loans. Instead of manually repaying your debt, the platform generates yield from Real World Assets (RWAs) and automatically uses that yield to reduce your outstanding debt.

          The Big Idea: Imagine borrowing money where the
          interest and principal get automatically paid down by investment
          profits—without you lifting a finger. That's AxiomFlow.
        

Traditional lending requires borrowers to make manual payments. AxiomFlow flips this model:

Deposit Real World Asset tokens as collateral
Borrow MNT (Mantle's native token) at 50% LTV
Platform generates yield from RWA investments
Yield automatically pays down your debt
Watch your debt shrink without manual payments

02. How Does It Work?

The Flow

Deposit Collateral: Users deposit RWA (Real World Asset) tokens into the LendingVault smart contract. These tokens represent real-world assets like property, commodities, or securities.
Borrow MNT: Based on your collateral (at 50% LTV), you can borrow MNT tokens. The borrowed amount creates a debt position tracked on-chain.
Yield Generation: The YieldEngine contract receives profits from RWA-backed investments. This yield is funded by platform revenue, staking rewards, or investment returns.
Automatic Debt Reduction: When yield is generated, it's automatically distributed proportionally to all borrowers based on their debt share. Your remaining debt decreases without any action from you.
Profit Realization: As your debt reduces below your borrowed amount, the difference represents pure profit—you keep the borrowed MNT while your debt shrinks via yield.

          Example:

          1. Deposit 100 RWA tokens as collateral

          2. Borrow 50 MNT (50% LTV)

          3. YieldEngine generates 20 MNT profit

          4. Your debt automatically reduces from 50 → 30 MNT

          5. You still have your 50 MNT borrowed, but only owe 30!

Smart Contracts

LendingVault

Core contract managing collateral deposits, borrowing logic, and debt tracking. Uses 50% LTV ratio for safe lending.

YieldEngine

Receives yield/profits and distributes to LendingVault. Automatically reduces borrower debt proportionally.

MockRWA (Testnet)

Test token representing Real World Assets. On mainnet, this will be replaced with actual tokenized RWAs.

03. Testnet vs Mainnet Strategy

Current Testnet Implementation (Mantle Sepolia)

We're currently on Mantle Sepolia Testnet for testing and demonstration:

MockRWA Tokens: Simulated RWA tokens that anyone can mint for testing
Manual Yield Funding: Yield is manually funded by the admin/owner to demonstrate the debt reduction mechanism
Test MNT: Using Mantle Sepolia testnet MNT (no real value)
Admin Controls Visible: Testing interface includes admin functions for minting, funding, and managing the protocol

          Why Admin Controls on Homepage?

          During testnet phase, we keep admin controls accessible on the main
          page so testers can:
          
• Mint test RWA tokens to try the platform
• Fund the
          YieldEngine to demonstrate yield distribution
• Monitor vault
          health and total debt

          On mainnet, these will be moved to a separate admin dashboard with
          multi-sig governance.
        

Mainnet Launch Plan

When we launch on Mantle Mainnet, the system will evolve:

Real RWA Tokens

Partner with RWA tokenization platforms (like Centrifuge, Maple, or Goldfinch) to accept real tokenized assets—real estate, invoices, commodities, etc.

Automated Yield

Yield will come from actual RWA investment returns, staking rewards, and protocol revenue—fully automated via smart contracts.

Governance & Security

Admin functions will be controlled by a DAO or multi-sig, with time-locks and community voting for critical changes.

Audited Contracts

Full security audits by firms like OpenZeppelin, Certik, or Trail of Bits before handling real user funds.

Mainnet Revenue Model

RWA Investment Yields: Platform invests collateralized RWAs in yield-generating opportunities (DeFi protocols, real-world lending, etc.)
Borrowing Fees: Small one-time or ongoing fees on borrowed amounts
Early Withdrawal Fees: Fees for removing collateral before debt is fully paid
Protocol Revenue Share: A percentage of yield goes to protocol treasury and governance token holders

04. Design Philosophy

Why This Bold, Clean Design?

Our design is inspired by Aura Bora's bold, playful aesthetic because:

Trust Through Clarity

DeFi can be confusing. Bold typography and strong borders create visual hierarchy that makes complex financial concepts digestible.

Action-Oriented

Heavy button shadows and hover animations encourage interaction—users feel confident clicking and exploring.

Professional Yet Approachable

Green earth tones convey financial stability, while playful elements make DeFi less intimidating for newcomers.

Data-First

Monospace fonts and clear grids present financial data (balances, debt, yields) clearly—like a modern financial terminal.

Key Design Elements

Monospace Typography: Courier New gives a technical, "code-like" feel that emphasizes transparency and precision
Bold Borders & Shadows: 3px borders with offset shadows create depth and tactile feedback
Earth-Tone Palette: Green (#2d5016) represents growth and stability; cream backgrounds reduce eye strain
Numbered Steps: "01. DEPOSIT" → "02. BORROW" → "03. YIELD" guides users through the flow
Real-Time Feedback: Event logs and live balance updates build trust by showing exactly what's happening

05. Technical Architecture

Smart Contract Stack

Solidity Version: 0.8.20 (latest stable with security improvements)

LendingVault.sol

Manages user collateral and debt positions
50% LTV ratio enforced on-chain
Proportional yield distribution based on debt share
Emergency withdrawal functions (owner-only during testnet)

YieldEngine.sol

Receives yield/profit deposits
Automatically forwards yield to LendingVault
Triggers automated debt reduction events

MockRWA.sol (Testnet Only)

ERC20 token for testing
Owner can mint for testers
Will be replaced with real RWA tokens on mainnet

Frontend Stack

Pure HTML/CSS/JS: No frameworks for maximum simplicity and speed
Ethers.js v5: Web3 library for MetaMask and contract interactions
Event-Driven UI: Real-time updates via contract event listeners
Responsive Design: CSS Grid/Flexbox for mobile and desktop compatibility

Deployed Contracts (Mantle Sepolia)

LendingVault: 0xac8a5431c22C1adc0658b8231694cF1A016De4fd

YieldEngine: 0xE1C429ad3625Bdf484EB1D137144622E8F0a7C03

MockRWA: 0x6bBab57A5C636dC128F3aea1d7cFd2F82655c3f3

Blockchain: Mantle Sepolia Testnet (Chain ID: 5003)
Explorer: sepolia.mantlescan.xyz

06. Real-World Use Cases

Who Benefits from AxiomFlow?

RWA Holders

Own tokenized real estate, invoices, or commodities? Use them as collateral to unlock liquidity without selling your appreciating assets.

Yield Farmers

Borrow MNT, use it in other DeFi protocols for extra yield, while your original debt automatically decreases via AxiomFlow yield.

HODLers

Keep your long-term assets locked as collateral, borrow for short-term needs, and let yield pay your debt over time.

Businesses

Tokenize receivables or assets, borrow working capital, and let asset-backed yields automatically service the debt.

Example Scenarios

          Scenario 1: Real Estate Token Holder

          Alice owns $100K of tokenized real estate (RWA). She deposits it into
          AxiomFlow and borrows $50K MNT. Over 6 months, the real estate
          generates $15K in rental yield. This yield automatically pays down her
          debt to $35K—she still has $50K borrowed but only owes $35K!
        

          Scenario 2: Invoice Financing

          Bob's company has $200K in tokenized invoices. He deposits them and
          borrows $100K MNT for immediate cash flow. As customers pay invoices,
          that revenue becomes yield that automatically reduces his debt. His
          loan essentially pays itself as his business operates.
        

          Scenario 3: Commodity Staking

          Carol deposits tokenized gold worth $80K and borrows $40K MNT. The
          gold-backed token earns staking rewards in the protocol. These rewards
          automatically chip away at her $40K debt over time, potentially
          zeroing it out while she still holds her original borrowed MNT.
        

07. Roadmap

Q1 2026 (Current) - Testnet Phase

Deploy contracts to Mantle Sepolia
Launch frontend with admin controls
Community testing and feedback
🔄 Bug fixes and UI improvements
🔄 Documentation and tutorials

Q2 2026 - Security & Partnerships

🔜 Smart contract audits (OpenZeppelin / Certik)
🔜 Partner with RWA tokenization platforms
🔜 Integrate real yield sources (staking, lending protocols)
🔜 Governance token design

Q3 2026 - Mainnet Launch

🔜 Deploy to Mantle Mainnet
🔜 Initial liquidity provision event
🔜 DAO governance activation
🔜 Real RWA collateral acceptance

Q4 2026 - Expansion

🔜 Multi-chain deployment (Ethereum, Arbitrum, Optimism)
🔜 Advanced yield strategies (auto-compounding, leverage)
🔜 Mobile app launch
🔜 Institutional partnerships

08. Frequently Asked Questions

Is my collateral safe?

On testnet, contracts are experimental. On mainnet, contracts will be audited, and collateral will be secured by battle-tested smart contract patterns with time-locks and multi-sig controls.

What if yield isn't generated?

Your debt remains at its current level. You're never required to make manual payments—the debt only reduces when yield is generated. In worst case, you can withdraw collateral after paying remaining debt.

Can I lose money?

If your collateral value drops significantly (e.g., RWA asset devalues), your position could become under-collateralized. Future versions will include liquidation mechanisms to protect the protocol. Always maintain healthy LTV ratios.

Why 50% LTV?

Conservative LTV ensures stability. Even if collateral drops 30-40% in value, loans remain over-collateralized, protecting both borrowers and the protocol.

How is yield generated?

On testnet: manually funded for demo. On mainnet: from actual RWA investments (rental income, invoice payments, commodity staking, DeFi yields) and protocol revenue.

Can I repay my debt manually?

Currently, the protocol focuses on yield-based debt reduction. Manual repayment features may be added in future versions for users who want to accelerate payoff.

09. Get Started

Try AxiomFlow on Testnet

Add Mantle Sepolia to MetaMask
- Network Name: Mantle Sepolia
- RPC URL: https://rpc.sepolia.mantle.xyz
- Chain ID: 5003
- Currency: MNT
Get Test MNT: Visit Mantle Sepolia Faucet
Go to AxiomFlow: Launch App
Connect Wallet: Click "CONNECT WALLET" button
Mint RWA Tokens: Use admin controls to mint test collateral tokens
Deposit & Borrow: Follow the 3-step flow on the homepage
Generate Yield: Fund YieldEngine and trigger yield distribution to see debt reduction in action!

Need Help?
Join our community or reach out:
• GitHub: github.com/Akhil-Rawat/AxiomFlow
• Discord: [Coming Soon]
• Twitter: [Coming Soon]