Layered Bank Structure
Last updated
Last updated
A major challenge with modular lending platforms is their complex earning process compared to monolithic platforms like Aave or Compound. On these platforms, users simply deposit assets into a single pool. However, in modular systems, users must navigate different Bank Operators, assess the risk level of each vault, and ensure they are entrusting their funds to reliable operators.
At Untitled Bank, we eliminate this complexity by introducing the Core Bank, where a DAO manages asset distribution across multiple Custom Banks—offering the simplicity of monolithic platforms with the flexibility of modular lending.
Designed for users seeking simplicity, the Core Bank functions as a vault where users can easily deposit and lend assets without complex configurations.
Asset Distribution: Funds from the Core Bank are distributed to various Custom Banks based on DAO voting, ensuring optimized and secure asset allocation.
Built for advanced users and institutions, Custom Banks provide flexibility with configurable risk levels, managed independently by different Bank Operators.
User-Friendly: Simplifies the experience for users of all expertise levels.
Capital Efficiency: Improves asset utilization by effectively pooling and distributing funds.
DAO Governance: Encourages long-term commitment through DAO voting on asset distribution within the Core Bank.
Untitled Bank offers the best of both worlds, providing ease of use similar to Aave or Compound while harnessing the flexibility and customization of modular lending.
