OneYield

What is oneYield? oneYield is a fixed-yield, on-chain RWA tokenization lending protocol built on Hedera, designed to bridge institutional capital and DeFi using asset tokenization. It enables: • Borrowers to tokenize real-world assets (RWAs) and raise capital at predictable rates • Lenders to earn stable, transparent yield through tokenized vaults Core Concept: Tokenization + Yield At the heart of oneYield is tokenization of real-world value: • Off-chain assets → represented on-chain • Capital → efficiently allocated to RWA yield strategies • Returns → distributed transparently via ERC-4626 vaults Protocol Architecture The system follows a modular and upgradeable design: • Factory Contract o Deploys pools and manages registry o Handles upgradeability via UUPS proxies • Pool Contract (ERC-4626 Standard) o Tokenized vault for deposits/withdrawals o Issues yield-bearing shares to lenders o Tracks total assets and APY • Asset Manager o Allocates capital to borrower pools o Manages fund distribution and repayments o Handles fees and AUM updates Key Features

Demo & Testing For testnet usage, users can obtain Mock USDT from the faucet: https://one-yield-production.up.railway.app/faucet This enables full interaction with the protocol including deposits, lending, and pool operations.

1. Future Roadmap Short-Term Goals • Improve UX/UI for institutional onboarding • Enhance risk management and validation layers • Expand pool configuration and allocation flexibility • Strengthen oracle-based AUM updates and monitoring Mid-Term Vision • Enable borrowers to tokenize Tokenized Real-World Assets (TWA/RWA) such as: o Gold o Treasury Bills (T-Bills) o Bonds o Other yield-generating financial instruments • Introduce compliance-ready infrastructure KYC / AML integrations o Permissioned pool layers for institutions Long-Term Vision • Build a complete RWA tokenization + lending ecosystem • Connect: o Web2 asset holders (borrowers) o DeFi liquidity providers (lenders) • Position oneYield as: A core infrastructure layer for institutional DeFi on Hedera End Goal To create a system where: • Real-world assets are tokenized seamlessly • Capital flows efficiently between traditional finance and DeFi • Users gain access to stable, transparent, and scalable yield opportunities

Built With

• and
• fast
• fees
• hedera?s
• leveraging
• low
• nestjs-with-postgresql-and-redis-for-backend-services
• the-platform-is-powered-by-a-full-stack-infrastructure-including-solidity-and-hardhat-for-smart-contracts