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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.

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At a Glance

Inkwell Finance is a non-custodial, cross-chain credit and real-world-asset (RWA) infrastructure protocol. We build:
  • A P2P lending protocol that lets borrowers and lenders create collateralized, cross-chain loans without pooled liquidity or custodial bridges.
  • A Cross-Chain Transfer Protocol (CCTP) that gives RWA issuers a policy-driven, burn-and-mint orchestration layer across chains.
  • A Revenue Marketplace for revenue-informed, fixed-cap loans that stay firmly in the category of debt, not equity or perpetual revenue sharing.
Under the hood, all of these share a common foundation:
  • Smart contracts on Sui encode the rules, policy, and lifecycle of loans and cross-chain transfers.
  • Ika’s 2PC-MPC dWallets provide secure, shared-control wallets so no single party (including Inkwell) ever has unilateral signing power over user or issuer assets.
  • On-chain transparency and automation replace human discretion wherever possible, so risks can be inspected in code and on public ledgers.
We are infrastructure and marketplaces, not a centralized lender or a token.

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The Problems We’re Solving

Fragmented cross-chain finance and RWA issuance create recurring problems:
  • Custodial bridges and opaque multisigs
    • Users often have to trust bridge operators or centralized signers with full control over assets.
    • Security depends on off-chain processes instead of auditable on-chain rules.
  • One-off, per-chain RWA implementations
    • Issuers maintain separate mint/burn logic on every chain, with inconsistent controls and monitoring.
    • Policy changes, limits, and pause switches are hard to coordinate and reason about globally.
  • Funding structures that look like securities
    • “Revenue-based” deals are frequently structured as open-ended revenue shares or quasi-equity.
    • Lenders end up with ongoing governance or profit rights instead of clear, capped debt obligations.
Inkwell’s protocols are designed to address these:
  • Non-custodial, least-privilege cross-chain control via dWallets and on-chain policy.
  • One canonical policy engine for multi-chain RWA issuance, instead of ad hoc minting on each chain.
  • Debt-based, fixed-cap loan structures that avoid perpetual rights and are engineered to fit within a lending framework.

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Our Core Protocols

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P2P Lending Protocol

Inkwell P2P Lending is a non-custodial, cross-chain lending protocol where:
  • Borrowers post assets like BTC as collateral and borrow on other chains.
  • Lenders fund specific loans (true P2P), instead of depositing into anonymous liquidity pools.
  • Collateral and funds sit in Ika dWallet-powered vaults, governed by Sui smart contracts.
This protocol is the foundation for many of our credit use cases and a reference implementation of “zero-trust cross-chain lending”.

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Inkwell CCTP

Inkwell CCTP is a mint / burn orchestration layer for real-world assets (RWA), focused on:
  • Burn on source + mint on destination so users always hold native tokens on each chain (no wrappers).
  • A policy engine on Sui that encodes per-chain limits, fees, and safety checks.
  • Imported-key dWallets from Ika so issuers keep their keys while sharing control with the protocol.
CCTP is infrastructure for issuers, ecosystems, and integrators that need standardized, auditable cross-chain RWA flows.

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Inkwell Revenue Marketplace

The Inkwell Revenue Marketplace is a decentralized protocol for revenue-informed, fixed-cap loans.
  • Borrowers use on-chain and off-chain revenue data to qualify for non-dilutive capital.
  • Lenders fund debt obligations with a clearly defined maximum total repayment cap (for example, 1.3x principal).
  • Once the cap is reached, the obligation ends—no equity, no governance, no perpetual revenue share.
The marketplace is intentionally structured as a debt-based lending platform, not an equity or tokenized-revenue product.

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How It Fits Together

Although these look like separate products, they share common design DNA:
  • Sui as the control plane – loans, CCTP policies, and marketplace deals are all represented as on-chain objects with explicit lifecycle states.
  • Ika dWallets as the trust foundation – cross-chain flows are mediated through shared-control wallets with split signing authority.
  • Marketplaces, not a balance-sheet lender – capital providers fund deals directly; Inkwell provides infrastructure and risk tooling, not a proprietary lending book.
  • Compliance-aware structures – designs are centered on fixed-cap, term-based debt and on infrastructure for transport/control of RWAs, not on selling investment products.

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What Inkwell Finance Is (and Is Not)

Inkwell Finance is:
  • A set of non-custodial, cross-chain protocols for lending and RWA issuance.
  • A collection of marketplaces and orchestration layers that connect borrowers, lenders, issuers, and users.
  • An example of how Sui + Ika dWallets can power safer, more transparent cross-chain flows.
Inkwell Finance is not:
  • A centralized exchange, broker-dealer, or balance-sheet lender.
  • An investment product or fund.
  • A guarantee of return or protection against loss for any particular deal, loan, or RWA issuance.

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Disclaimers

This page is a high-level product and architecture overview. It is not legal, tax, or investment advice.
  • Regulatory treatment of any particular loan, marketplace deal, or RWA program depends on facts, circumstances, and jurisdiction.
  • The protocols are engineered to support non-custodial, policy-driven lending and RWA flows, and to structure marketplace deals as debt with capped repayments, but final characterization is determined by applicable law and by how individual participants use the system.
Borrowers, lenders, issuers, and integrators should consult their own counsel and advisors before using Inkwell’s protocols in production or as part of any regulated product or offering.