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cSigma Smart Contracts

cSigma has been a leader in developing cutting-edge smart contract technology since its inception, with a focus on optimizing institutional lending. Edge leverages cSigma’s core infrastructure and integrates the ERC-4626 tokenized vault standard. By utilizing ERC-4626, Edge improves liquidity and yield distribution, reducing complexity for developers and increasing accessibility for users. Edge simplifies the process by offering seamless interaction with a collection of cSigma Institutional pools through its interface and robust smart contract system (refer to Technical Resources for more details).

cSigma’s AI-driven credit intelligence engine

One of the key innovations at cSigma is its AI-driven credit intelligence engine, which optimizes lending and borrowing by helping users identify the best pools based on risk and yield potential. This AI-powered system evaluates various factors such as credit risk, market trends, and loan performance to provide an intelligent, data-driven approach to credit analysis and pricing.

In addition, cSigma’s AI continuously monitors loan performance and market conditions in real time, enabling proactive risk management across all institutional pools. The AI system also assists in assessing borrower creditworthiness, opening up lending opportunities for borrowers who may not qualify under traditional financial systems. This not only increases the capital available to borrowers but also diversifies the opportunities for lenders, thereby reducing risk and enhancing returns.

By integrating AI with smart contracts, cSigma offers a transparent, efficient, and stable platform for both lenders and borrowers, reducing human error and increasing operational efficiency. All transactions are recorded on the blockchain, providing transparency and building trust among users. As we continue to evolve, AI will play a crucial role in shaping the future of DeFi, revolutionizing how credit is assessed and loans are managed within our ecosystem.

cSigma Institutional and Edge Architecture

Edge operates as a bridge between DeFi and institutional lending, giving users access to multiple cSigma Institutional pools through an intuitive interface and an ERC-4626 tokenized vault framework (refer to Technical Resources for more details).

Users of cSigma Institutional must complete strict KYC/KYB procedures to access these pools. However, Edge functions more like a DeFi platform, allowing crypto holders to lend simply by connecting their wallets, without the need for KYC/KYB. The capital deposited into Edge pools is then allocated across various cSigma Institutional pools, making Edge a "pool of pools" that offers exposure to institutional lending with ease. For more information on the legal and structural differences between cSigma Institutional and Edge, refer to the Legal section.

cSigma Underwriting and Credit

Edge users benefit from the experience of cSigma's institutional credit team. cSigma’s lending division handles the review, structuring, and management of loans in the institutional pools that Edge connects to. The loans that generate returns for Edge users go to trusted crypto institutions that provide liquid digital assets as collateral.

cSigma’s technology keeps track of these loans in real-time, making sure they follow the agreed-upon terms and are properly backed by collateral. This setup gives Edge users a clear view of how their investments are being managed and secured.