Hybrid Money Markets

One Protocol

Cantara is a hybrid lending and borrowing protocol built on Canton Network. It unifies permissionless and permissioned rails within a single core, creating a secure gateway for institutional capital with transparency, privacy, and regulatory compliance.
Government Bonds
Permissioned - KYC

APY

4.7%

Max LTV

65%

Available Liquidity

$23.4M

Collateral:

120 GBOND ($120k)

Borrow:

USDC

Health Factor:

1.92

Real Estate Fund
Permissioned - KYC

APY

6.1%

Max LTV

55%

Available Liquidity

$8.2M

Collateral:

$20k REIT

Borrow:

USDC

Health Factor:

1.45

USDC Stable Pool
Permissionless

APY

3.2%

Max LTV

75%

Available Liquidity

$57.9M

Collateral:

$5,000 USDC

Borrow:

ETH / Stablecoin

Health Factor:

1.25

How Cantara Works

Our hybrid credit market operates in 4 simple steps.
Step 1
Connect & Choose Your Rail

Connect your wallet and choose your transaction type. Use the permissionless rail for crypto-collateralized lending or switch to the permissioned rail to access institutional RWA pools after KYC/KYB verification.

Step 2
Deposit Collateral

Select the asset you want to use as collateral (crypto, treasury bond, fund) and deposit it into the smart contract. A pool receipt token is minted in return.

Step 3
Borrow & Monitor

Your Health Factor (HF) and LTV are instantly calculated. Borrow within your limit and track your position in real time on the dashboard with live metrics.

Risk Management & Settlement

If your HF drops below the threshold, your position is partially liquidated. The Insurance Vault steps in first, followed by Junior Tranche absorbing losses.

Step 4

Difference

Cantara bridges the gap between TradFi needs and DeFi efficiency.
Feature
IconForCantara
CANTARA

Institutional Hybrid Credit Protocol

Money Markets

Retail-Focused DeFi Platforms

Architecture

✓

Dual-Rail design: permissionless + permissioned rails in one protocol.

✗

Single permissionless pools, no institutional access.

Collateral Types

✓

Crypto + RWA (MMFs, treasuries, bonds) priced via signed NAV oracles.

✗

Mostly volatile crypto assets, limited or no RWA support.

Privacy & Compliance

✓

Party-scoped privacy, KYC/KYB for institutional rails, regulator observer nodes.

✗

Fully public, no compliance layer, no regulator-friendly tooling.

Risk Management

✓

Health factor monitoring, partial liquidation, insurance vaults, tranche structure.

✗

Basic liquidation model, no insurance layers or structured risk.

Liquidity Efficiency

✓

Liquidity bridge between rails, optimized capital usage.

✗

Isolated liquidity, no cross-market flow.

Built for Trust, Designed for Institutions

Cantara is engineered to be secure, compliant, and capital-efficient: no hidden risks, no opaque processes, just transparent, auditable lending markets.
Built for Trust 1
Transparency

On-chain audit logs and observer nodes provide full visibility into liquidity, utilization, and health factor metrics — for both users and regulators.

Built for Trust 2
Privacy & Compliance

Party-scoped data keeps sensitive positions private, while enabling KYC/KYB and regulator access where required.

Built for Trust 3
Risk Management

Partial liquidations, insurance vaults, and senior/junior tranches protect capital and minimize systemic risk.

Built for Trust 4
Capital Efficiency

Dual-rail liquidity bridge optimizes capital usage across permissionless and permissioned pools, unlocking deeper liquidity.

Not Your Average Lending Protocol

We didn't just fork an existing DeFi money market. We built a hybrid protocol where institutions and individuals can co-exist securely.

Built for Real Capital

A hybrid credit market protocol where institutions and individuals can co-exist securely.
Real Capital Support
Real Capital Support

Cantara supports crypto and tokenized RWAs side by side, making it ideal for funds, treasuries, and real businesses. Not just degen yield farming.

Open Yet Permissioned
Open Yet Permissioned

Everyone can participate permissionlessly, while institutions get a private, KYC/KYB-gated environment with NAV-based pricing.

Strong Risk Controls
Strong Risk Controls

Health factor monitoring, partial liquidations, and insurance vaults ensure safer markets and lower contagion risk.

Transparent & Auditable
Transparent & Auditable

Observer nodes and audit logs give regulators and users full visibility into liquidity and risk metrics. No black boxes.

Everything you need to know about Cantara's hybrid credit markets

From how it works to why it's different.
What makes Cantara different from other lending protocols?

Cantara combines permissionless DeFi rails with permissioned, KYC/KYB-gated RWA pools. This dual-rail design allows both retail users and institutions to coexist in one protocol, with transparency and compliance at its core.

How do payouts and yields work?

Yields are generated from borrowing activity across both rails. In permissionless pools, interest accrues automatically like traditional DeFi. In permissioned pools, yields are tied to real-world assets (e.g., treasuries, funds) with NAV-based pricing.

What kind of collateral can I use?

You can deposit crypto assets such as ETH and USDC, as well as tokenized RWAs including treasury bills, money market funds, real estate tokens, and more.

How does Cantara handle risk?

Cantara uses health factor monitoring, partial liquidations, and insurance vaults to reduce contagion risk. Institutional pools follow stricter credit frameworks and regulatory-grade controls.

What happens if my loan position drops in value?

If your health factor falls below the liquidation threshold, part of your collateral may be liquidated. Partial liquidation mechanisms are designed to minimize losses and protect your position.

Who can access the permissioned pools?

Institutions, funds, and accredited investors that complete KYC/KYB verification gain access to permissioned pools with NAV-based yield products.

Build on Cantara

Hybrid credit markets for crypto and real-world assets.
Get Started

Content on this site is for informational purposes only and is not a public offer. For business or partnership inquiries, email us at contact@cantara.finance

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