Frequently Asked Questions

Atomix is a groundbreaking decentralized finance lending platform. It creates liquidity through the introduction of tokens evidencing security taken over real-world assets, enabling efficient and flexible collateralized lending for Borrowers, it also delivers returns for Liquidity Providers.

Watch a short video explainer of Atomix.

  • Acts as a bridge between collateralized lending against security taken over real-world assets and tokenization.
  • Takes security taken over real-world assets for use as collateral.
  • Uses tokenization to evidence that security.
  • Delivers liquidity.

The current problems with traditional lending:

  • Limited supply and limited access to credit markets.
  • Poor market liquidity (i.e. limited secondary markets).
  • Cumbersome, inflexible and restrictive terms.
  • Lack of expediency and efficiency due to legacy technology.

Atomix combines tokenization and collateralized lending over real-world assets.

The protocol delivers the positives of DeFi lending and eliminates the negatives present in today’s traditional lending marketplace.

  • ALPS
  • Real-World Asset Tokenization System
  • Atomix Lending Protocol
  • Governance System
  • Liquidity Vault

Watch a short video explainer of Atomix.

ALPS is the Atomix web-based automated loan processing system and is integral to the Atomix platform. ALPS delivers customized onboarding, validation, decision making, loan issuance, and loan lifecycle management.

  • Mints tokens to evidence the security taken over real-world assets (ACT).
  • Burns tokens to release security.

An autonomous, decentralized lending protocol allowing Borrowers to take out stablecoin loans collateralized by the tokens minted by the real-world asset tokenization system.

Borrower repayment terms are flexible.

Upon full repayment, the security taken over the real-world asset is released.

Watch a short video explainer of Atomix.

  • In addition to returns for supplying stablecoins, Liquidity Providers are also rewarded with governance tokens – ATMX.
  • Holders of governance tokens have voting rights on proposed changes to the protocol.
  • Governance tokens can be bought and sold on the open market.

Enables Liquidity Providers to supply stablecoins and earn a yield.

xTokens
xTokens (such as xUSDT) are minted by the Atomix Lending Protocol and represent a Liquidity Provider’s supply of stablecoins. When a Liquidity Provider supplies USDT, the system mints and transfers xUSDT to the Liquidity Provider in return. This xUSDT earns a return which is paid in USDT when the Liquidity Provider returns their xUSDT to the system.

Atomix Collateral Tokens (ACT)
These tokens are minted by the Atomix Lending Protocol; 1 ACT will be minted to evidence all of the security taken over a Borrower’s asset.

Governance Tokens (ATMX)
These tokens are distributed to providers of xUSDT in the system. The ATMX tokens confer on the holder the right to vote on changes in the core protocol and protocol parameters.

ATMX tokens Ethereum smart contract address: 0x7ef7adae450e33b4187fe224cab1c45d37f7c411

The Atomix decentralized lending platform tokenizes the security taken over real-world assets, which is then used as collateral for borrowing stablecoin loans by Originators.

Atomix could offer loans to Originators providing funding in the following sectors: real estate, inventory, music royalties, equities, cash flow, tax receivables, supply chain, equipment and machinery.

Initially, either the Originators or the assets could be located in the United States, Canada, Australia, New Zealand, Europe, and the United Kingdom.

Borrowers onboard and open an Atomix account via the ALPS online portal and become an Atomix customer. Following their successful approval by ALPS, the Borrower submits loan applications. Upon loan validation and approval by ALPS, the Borrower can then accept the loan, provide the collateral, and request funds. ALPS will then issue the loan. Originators can continuously draw down funds subject to providing eligible collateral.

Atomix will lend to Loan Originators who provide funding in the following sectors: real estate, inventory, music royalties, equities, cash flow, tax receivables, supply chain, and equipment and /machinery.

Atomix Loan Originators are experienced and specialize in specific sectors. Originators can include non-banks, alternative finance providers, asset managers, packagers, and brokers.

Atomix loan originators borrow from Atomix in order to fund their transactions. Originators can promote, sponsor, arrange and fund transactions. They ensure their customer goes through a thorough application and rigorous underwriting process including the disbursal of funds, servicing, repayment and work out an agreement if required.

An Originator’s real-world asset could include the funding (eg. Loan) the Originator provides to their customer (eg. Borrower).

The security taken over the assets includes the right to the Originators’ receivables, related security and payment obligations attached to the Originators asset.

Liquidity Providers should be able to access Atomix from multiple international regions.