CheckDot is preparing to launch a decentralized lending and borrowing platform that will support ETH, BTC, USDT, USDC, DAI, and CDT as primary assets. These tokens will play a central role in the CheckDot ecosystem, offering users the ability to deposit, borrow, and earn yields in a system designed around transparency, security, and dynamic risk management.
What sets CheckDot's lending protocol apart is its unique risk-based approach. Instead of offering the same terms to every user, the protocol will evaluate each borrowing request using a personalized risk profile. This means users with stronger on-chain reputations or lower-risk behaviors may receive better borrowing conditions, while high-risk positions may require more collateral or have higher interest rates. This adaptive model is designed to reduce bad debt and protect liquidity providers without sacrificing flexibility.
The inclusion of ETH and BTC provides strong, high-demand collateral assets that are widely used in DeFi. USDT, USDC, and DAI offer stability and are ideal for borrowing and lending during volatile market conditions. CDT, the native token of the CheckDot ecosystem, will be used to access enhanced platform features, governance, and risk scoring, while also being a usable asset in lending and borrowing operations.
The CheckDot team is also introducing automated risk evaluation mechanisms supported by AI. These tools will constantly assess market conditions, user behavior, and protocol activity to adjust interest rates, risk thresholds, and collateral requirements in real time. This ensures the system remains stable and secure even during market turbulence.
In the broader context, this new lending and borrowing system will work in parallel with CheckDot’s decentralized insurance and verification services. For example, users who lend assets to the protocol may be offered optional insurance against smart contract failure, or verification of borrowers through decentralized reputation scoring.
