Pooled Liquidity for On-Chain Lending

LochSource · Flow · Scale

Loch is the lending-pool product in the Verity Finance suite. Depositors earn on pooled capital; borrowers draw from deep, on-chain liquidity at utilization-based rates. Every parameter — rate curve, collateral, reserves, liquidation policy — is a Daml contract on Canton Network.

What Loch Delivers

Every lending-pool primitive a serious operator needs — risk parameters, accounting models, collateral handling — exposed as Daml configuration, not code branches.

Lending Pools

Standard and dual-account pools. Configurable accounting model, yield distribution (Income / Accumulation), and access policy — Open or Closed for KYC-gated capital.

Utilization-Based Rates

Algorithmic interest curve with base / optimal / kink parameters, or simple fixed-rate mode. Rate adjusts in real time as borrowers tap the pool.

Collateralised Pool Loans

Pluggable collateral presets — Treasuries, Corp Bonds, Bank Deposits, Real Estate. Configurable LTV, liquidation threshold, grace period, penalty.

Reserve & Loss Absorption

Reserve factor, yield-loss reserve, and pro-rata / yield-first / principal-first loss absorption policies — built into the on-chain pool config.

Liquidations & Limits

Throttled liquidations per day, max utilization caps, and oracle-driven price staleness checks. Risk parameters enforced by Daml, not by ops scripts.

Real-Time Analytics

Live TVL, utilization, net APY, active loans and reserve balance — sourced directly from the ledger, no off-chain ETL.

Who Loch Is For

Depositors

Earn supply APY on idle capital. Pool tokens are tradeable, redemption is governed by max-utilization and minimum hold period rules you can read on-chain before depositing.

Pool Operators

Stand up a pool with pre-set risk parameters, choose your accepted repayment assets, configure collateral, and let the engine handle rate curves, accruals and liquidation gates.

Borrowers

Tap deep liquidity on demand without negotiating peer-by-peer. Pull a Pool Loan at the live rate, pledge collateral, repay on EMI or balloon terms.

Powered by the Verity Finance Engine

Loch shares its Daml lending core with Pact (peer-to-peer agreements) and Coffer (vault & yield). One engine, three product surfaces — built for institutional financing on Canton Network.

Atomic settlement — deposits, draws and repayments finalise in a single Canton transaction

Pool config is a Daml contract — anyone with the right entitlement can read terms before depositing

CIP-56 token deposits and disbursements (Canton Coin, USDCx, CBTC, RWA tokens)

Algorithmic interest curve OR fixed-rate, set at pool creation

KYC-gated (Closed) or fully open pool access — flip on credential gating without redeploying

Built-in liquidation throttling, reserve accounting and loss-absorption policies

Pool · CCYield-001OPEN

TVL

164,356 CC

Supply APY

5.00%

Borrow APR

7.00%

Utilization

53%

Capacity53% of max

4 active loans · 2 collateralisedSettled on Canton

Ready to dive into Loch?

Open the app to deposit into a live pool, browse pool terms, or stand up your own pool with pre-set risk parameters.