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 a Leviathan Credit Line?
A Leviathan Credit Line is a self-serve, revenue-backed borrowing facility. Borrowers get scored by our ML credit engine, receive a credit line based on their on-chain activity and revenue, and draw down capital within policy-enforced limits. Repayment happens automatically — RevenueSplitter contracts capture a portion of the borrower’s revenue at the source, routing it to lenders without manual transfers. The core principle: borrowed capital should only go where it’s supposed to, and revenue should flow back to lenders without manual intervention.Who Is It For?
Protocols & DeFi Projects
Need working capital to fund growth, hire, or expand to new chains — without selling tokens or diluting equity. Verifiable on-chain revenue qualifies you for a credit line.
Traders & Market Makers
Seek leverage to deploy capital across approved venues. Your on-chain trading history and performance become your credit profile.
On-Chain Businesses
Any entity with measurable, recurring on-chain revenue — protocol fees, royalties, LP income — can borrow against that revenue with a fixed repayment cap.
AI Agent Platforms
Autonomous agents and platforms with provable revenue streams can access credit lines programmatically through the SDK.
How It Works
Get Scored
Your on-chain history — trading performance, portfolio management, market experience, and any previous Leviathan repayment history — is analyzed by the ML credit scoring pipeline. You receive a score between 0 and 1000, published on-chain.
Receive a Credit Line
Your score maps to a risk tier that determines your borrowing capacity, interest rate, and term limits. Higher scores unlock better rates and higher limits.
Draw Down Funds
Capital is drawn from Leviathan lending pools into a policy-gated dWallet — a multi-chain smart wallet where you can operate freely within approved bounds, but cannot extract or redirect capital outside the policy sandbox.
Deploy and Operate
Use session keys to execute your strategy — trading, yield deployment, protocol operations — within your approved destinations. All actions are verified against your policy before co-signing.
Revenue Repays Automatically
As your operations generate revenue, RevenueSplitter contracts on EVM chains automatically route a portion to loan repayment. Revenue oracles report progress back to the Solana loan account. Once you hit the repayment cap, the loan completes and all restrictions are lifted.
How It Differs from Other Leviathan Products
Unlike Embedded Lending (where capital is caged to one partner protocol) or Prime Brokerage (multi-protocol margin accounts for professional traders), a Credit Line gives you flexible, self-directed access to capital. You apply directly through Leviathan, choose your own strategy within policy bounds, and manage your own positions.| Credit Line | Embedded | Prime Brokerage | |
|---|---|---|---|
| Access | Self-serve via Leviathan app | Through partner protocol’s UI | Direct, managed onboarding |
| Capital scope | Multi-protocol, borrower-directed | Caged to one integrating protocol | Multi-protocol margin account |
| Target user | Protocols, businesses, traders | Partner protocol’s end-users | Pro traders, hedge funds |
| Policy | Borrower-approved destinations | Protocol-defined sandbox | Portfolio-wide policy |
What Powers Your Credit Line
The Credit Line is built on a multi-chain infrastructure stack, with each chain handling what it does best:Solana — Core Lending Engine
Four Anchor programs form the backbone:| Program | What It Does for You |
|---|---|
| leviathan-core | Manages your loan from application through completion — origination, policy enforcement, session keys, keeper automation, and InkPact agreement verification |
| leviathan-pool | Where lenders deposit capital. You borrow from these pools. LP tokens track lender shares. Interest rate models balance supply and demand. |
| leviathan-score | Your on-chain credit score (0–1000) lives here. Oracle integration bridges off-chain ML analysis to on-chain accounts that determine your terms. |
| leviathan-verifier | Every action you take with borrowed capital is parsed and validated against your policy — both Solana and EVM transactions — before co-signing. |
Sui — Policy Enforcement
Sui hosts the cross-chain enforcement layer, built on Ika’s 2PC-MPC dWallet infrastructure:- Policy-gated dWallets — your borrowed capital sits in a dWallet where you can only sign transactions to whitelisted destinations. Neither you nor Leviathan alone controls the funds.
- Destination registry — an on-chain registry of your approved contracts, protocols, and addresses.
- Signing gateway — Ika’s 2PC-MPC protocol ensures transaction signing requires both your intent and policy compliance.
EVM — Revenue Capture
On EVM-compatible chains where you generate revenue:- RevenueSplitter contracts receive your protocol revenue and automatically split it between your operations and loan repayment.
- RevenueSplitterFactory deploys a dedicated splitter for your loan with immutable split parameters.
Key Concepts
| Concept | What It Means for You |
|---|---|
| Policy sandbox | You operate within defined bounds — whitelisted destinations, daily limits, function-level controls. Protects both you and your lenders. |
| Session keys | Time-bounded, scope-limited keys so you can run automated strategies without signing every transaction manually. |
| Keepers | Automated agents that handle drawdowns, health checks, and position monitoring on your behalf. |
| LP tokens | What lenders receive when they deposit into pools. Their value appreciates as you repay interest. |
| Credit tiers | Your score maps to a tier (Excellent, Good, Fair, Poor) that determines your rates and limits. |
| InkPact | Cryptographic link between your off-chain legal agreement and your on-chain loan terms. |
Next Steps
Loan Lifecycle
How loans move from application through completion or default
Pooled Lending
How lenders supply capital and earn yield through LP tokens
Credit Scoring
How your on-chain history determines your borrowing terms
Revenue Enforcement
How automated revenue capture and repayment work
Session Keys
How scoped, ephemeral keys enable automated execution
SDK
TypeScript SDK for interacting with the credit line programmatically