Inkwell Finance Documentation

CONFIDENTIAL & PROPRIETARY © 2025 Inkwell Finance, Inc. All Rights Reserved. This document is for informational purposes only and does not constitute legal, tax, or investment advice, nor an offer to sell or a solicitation to buy any security or other financial instrument. Any examples, structures, or flows described here are design intent only and may change.

What is Inkwell Finance?

Inkwell Finance is a non-custodial, cross-chain credit and real-world-asset (RWA) infrastructure protocol built across Solana, Sui, and EVM with Ika’s zero-trust dWallets.

Current Status (March 2026)

✅ Solana Programs Live: Four Anchor programs built — core lending, pooled lending, credit scoring, transaction verification
✅ Full App Built: Supply, Borrow, Credit Reports, Positions, and Leaderboard pages live
✅ ML Credit Scoring: Ensemble scoring pipeline producing on-chain credit reports
✅ SDK Created: @leviathan/sdk with unified TypeScript bindings across Solana and Sui
✅ Technology Validation: Architecture proven on testnet with Ika ecosystem partner
✅ Primary Pilot Partner: Full Sail (Sui-native DEX) — MOU and LOI signed
🔄 Active Pipeline: Multiple mainnet protocols in term-sheet discussions
⏭️ First funded loans via parallel SPV ($5-10M)

Leviathan Product Suite

Credit Line

Self-serve revenue-backed credit. On-chain credit scoring, pooled lending, automated repayment.

Revenue Marketplace

Institutional lending channel. Structured deals, ISDA docs, bank wires in/out, zero wallets.

Embedded Lending

White-label SDK for protocols. Embed lending in your UI. Capital caged to your protocol.

Prime Brokerage

Multi-protocol margin accounts for pro traders and funds. Policy-gated dWallets.

Legacy Products

P2P Lending

Non-custodial, cross-chain lending with BTC collateral. (Archived)

CCTP

Cross-Chain Transfer Protocol for RWA issuers. (Archived)

The Technology Stack

Layer	Technology	Purpose
Core Lending	Solana (Anchor)	Loan origination, pooled lending, credit scoring, transaction verification
Policy Enforcement	Sui Move	Policy-gated dWallet operations, destination whitelisting, cross-chain signing
Revenue Capture	EVM (Solidity)	RevenueSplitter contracts for automated revenue splitting and loan repayment
Trust Foundation	Ika 2PC-MPC	Zero-trust, non-custodial architecture — no single party has unilateral control
Cross-Chain	Native signing (BTC, ETH, SOL)	No bridging, no wrappers — EdDSA/ECDSA signing on source chains
Oracles	Switchboard	Real-time price feeds and revenue verification

Key Differentiators

Zero-Trust Non-Custodial Enforcement

Neither borrower nor Inkwell holds the full private key — Ika’s decentralized TSS network provides the second share. On default, borrowers mathematically cannot move funds anywhere else. No court order required.

Universal Cross-Chain Support

Works on every major chain today (BTC, ETH, SOL, Sui, etc.) via native signing. No bridging, no wrappers, no wrapped tokens.

Fixed-Cap Debt Structures

All loans have maximum repayment caps (e.g., 1.3x principal). No equity, no governance rights, no perpetual revenue shares. Designed to fail Howey, pass Reves.

Institutional Experience

Bank wires in/out, ISDA-style documentation, DocuSign, zero wallets for lenders. No seed phrases, no gas.