Lend & Borrow

Lending and borrowing are essential components of decentralized finance, enabling users to earn passive income or access liquidity without liquidating assets. However, the fragmented ecosystems of protocols, varying interest rates, collateral rules, and liquidation risks pose significant challenges, particularly for newbies.

ClinkAI simplifies this process by natural conversations. Users just state their intent in natural language, and the AI executes it by providing optimal routing, real-time risk analysis, and one-click transactions.

1. AI-Powered Lending Optimization

ClinkAI continuously scans integrated lending protocols (e.g., Beraborrow, Kyber Network, BEX) to compare rates, liquidity, utilization, and risk indicators. Example: Just type “Lend 1,000 USDC,” and ClinkAI picks the best protocol based on your goals whether you want the highest return, lowest risk, or more flexibility.

2. Smart Borrowing Interface

When users request “Borrow 500 BERA using HONEY,” ClinkAI:

• Calculates the optimal collateral-to-loan ratio

• Assesses liquidation risk in real time

• Recommends protocols with favorable interest rates and terms

• Tracks borrowing limits and health factors automatically

3. 24/7 Risk Monitoring

ClinkAI’s agents monitor all positions continuously.

• Alerts on liquidation risks

• Automated suggestions (e.g., “Repay 200 BERA to avoid liquidation”)

• Forecasts and health checks to maintain safety

4. Built-In Security Controls

All transactions are executed through secure delegated wallets with customizable permissions.

• Only whitelisted protocols are allowed

• Strategies remain encrypted and private (via secure MPC or systems like Nillion)

Integrated Protocols

ClinkAI currently supports:

• Lending: BeraBorrow,....

• Collateral: BERA, HONEY,...

• Yield Strategies: Yearn, Pendle, Gearbox

Lending and borrowing shouldn’t be complicated or demanding. ClinkAI makes the process simple, allowing both beginners and experienced users to access DeFi safely and confidently.