Overview
Polaris Pay is a decentralized yield-serviced credit protocol that utilizes Fully Homomorphic Encryption (FHE) to provide confidential lending and capital-efficient borrowing.
The protocol architecture is divided into three main layers:
- Yield Layer: Auto-generating interest from idle collateral.
- Credit Layer: Providing instant liquidity based on productivity.
- Privacy Layer: Shielding user positions and health ratios using FHEVM.
Smart Contracts
For the complete list of deployed smart contracts, addresses, and Etherscan links, please visit the official registry:
👉 Go to Smart Contract Registry
Core Primitives
- Confidential collateral vault: Stores assets in a shielded state.
- Yield-optimized lending pools: Routes capital to high-performance strategies.
- Governance & Fees: Manages protocol parameters and incentives.