Overview

Introduction to Caér Finance

Welcome to Caér Finance, a cross-chain lending and borrowing protocol designed to serve as a foundational DeFi primitive within the Pharos ecosystem.

Caér enables secure, efficient, and scalable decentralized financial services by allowing users to lend, borrow, and manage collateral across multiple blockchain networks. By supporting Real World Assets (RWA) as collateral and liquidity sources, Caér unlocks new opportunities for capital efficiency and broader financial inclusion across on-chain and off-chain economies.

To ensure seamless and trustless interoperability, Caér utilizes an Application-Specific Sequencer (ASS) for coordination and integrates with Espresso for decentralized, low-latency finality. This architecture eliminates the need for centralized bridges or custodians, enhancing both security and decentralization without sacrificing performance.

To further strengthen the integrity of cross-chain operations and asset pricing, Caér integrates with Supra Oracle—a high-performance decentralized oracle network. Supra delivers reliable, fast, and cryptographically verified data feeds that are critical for loan collateral valuation, liquidation thresholds, interest rate calculations, and real-world asset price updates. This ensures that Caér operates with accurate and tamper-proof off-chain and on-chain data, bolstering both transparency and trust.

As a pioneering lending protocol on Pharos, Caér plays a strategic role in accelerating ecosystem growth. It acts as a modular and composable layer for other decentralized applications, enabling native integrations and powering diverse financial use cases, especially those bridging traditional assets with on-chain liquidity.

With a focus on RWA integration, cross-chain liquidity, and institutional-grade infrastructure, Caér Finance is committed to making Pharos a premier hub for decentralized finance—where innovation meets real-world utility.

What is Caér Finance?

Caér Finance is a next-generation cross-chain lending and borrowing protocol designed as a core DeFi primitive within the Pharos ecosystem. It enables seamless supply, borrowing, and collateral management of assets—including Real World Assets (RWA)—across multiple blockchain networks via a unified, decentralized platform. By supporting tokenized RWA such as gold, tokenized stocks, and other real-world assets to come, Caér bridges traditional finance with on-chain liquidity, unlocking new capital markets and improving access to credit globally.

At the protocol layer, Caér is powered by an Application-Specific Sequencer (ASS) that ensures secure, deterministic transaction ordering and execution across chains. This sequencer maintains trustless interoperability while enabling high-throughput and low-latency cross-chain operations.

For finality and security, Caér integrates with Espresso, a decentralized finality layer, providing fast and verifiable settlement without relying on centralized bridges or custodians. This architecture preserves decentralization and composability while ensuring the integrity of cross-chain RWA transactions.

To further enhance data accuracy, transparency, and risk management, Caér integrates Supra Oracle, a high-performance decentralized oracle network. Supra delivers reliable real-time price feeds and off-chain data—crucial for evaluating collateral value, determining liquidation thresholds, and maintaining accurate interest rate models. This ensures that all loan positions within Caér are backed by timely and tamper-resistant data, especially for volatile or real-world assets.

By combining protocol-level sequencing, robust cross-chain finality, advanced oracle data from Supra, and native RWA support, Caér Finance delivers a modular, scalable, and institutional-grade lending infrastructure—positioning Pharos as a leading hub for real-world DeFi innovation.

Key Features

• Application-Specific Sequencer (ASS) : Caér operates using a custom-built Application-Specific Sequencer (ASS) that governs the ordering, validation, and execution of cross-chain transactions. This sequencer ensures consistency, prevents unauthorized actions, and enables trustless, deterministic processing across multiple blockchain environments.

• Fast & Secure Cross-Chain Finality (Powered by Espresso) : To guarantee secure and timely transaction confirmation, Caér integrates with the decentralized finality layer provided by Espresso. This enhances scalability and confidence in cross-chain operations without compromising on decentralization or security.

• Seamless Cross-Chain Lending, Borrowing & Swap : Caér provides a unified interface for users to lend, borrow, and swap assets across supported chains. Users can seamlessly manage collateral and positions while taking advantage of capital mobility and low-latency cross-chain execution.

• Support for Real World Assets (RWA) : Caér natively supports tokenized Real World Assets such as gold, tokenized stocks, and other upcoming on-chain real-world representations. This bridges traditional finance with DeFi, unlocking novel use cases and expanding credit markets to underrepresented assets.

• Trustless and Transparent Execution : All operations in Caér—lending, borrowing, liquidations, and governance—are executed fully on-chain via audited smart contracts. This guarantees user sovereignty, transparency, and censorship resistance, aligning with DeFi's core principles.

• Dynamic Interest Rates & Risk Management : Caér utilizes an algorithmic interest rate model with risk-adjusted parameters, responsive to market conditions. This protects lenders while incentivizing responsible borrowing, especially in volatile cross-chain environments.

• Liquidity Aggregation and Capital Efficiency : By aggregating liquidity from multiple chains, Caér minimizes fragmentation and maximizes capital efficiency. This approach unlocks higher borrowing capacity, reduces idle assets, and enhances the overall utility of liquidity across ecosystems.

Why Caér Finance?

• True Cross-Chain Lending & Borrowing : Caér enables seamless, native cross-chain lending and borrowing without reliance on centralized bridges or custodians. Its architecture supports direct, trust-minimized asset flows across multiple chains, allowing users to access liquidity wherever it's needed—without friction.

• Secure and Timely Transaction Finality : By integrating Espresso’s decentralized finality layer, Caér delivers fast, secure, and verifiable settlement of cross-chain transactions. This empowers users to interact with real-time lending markets while maintaining the core values of decentralization and censorship resistance.

• Trustless Execution via Application-Specific Sequencer (ASS) : All core operations are orchestrated by Caér’s Application-Specific Sequencer (ASS), which ensures deterministic execution, accurate cross-chain data validation, and protection against manipulation. This infrastructure minimizes trust assumptions and eliminates centralized points of failure.

• Capital-Efficient Liquidity Aggregation : Caér unifies liquidity across multiple blockchain environments into a single, composable layer. This significantly reduces fragmentation, increases borrowing power, and boosts protocol capital efficiency—enabling sophisticated financial strategies such as leveraged RWA exposure.

• Native Support for Real World Assets (RWA) : Caér bridges traditional and decentralized finance by supporting tokenized RWA such as gold, tokenized stocks, and future asset types. This creates new lending opportunities backed by real-world value, expanding the utility of DeFi to a broader institutional and retail audience.

• Modular, Scalable, and Ecosystem-Ready : Designed with extensibility and interoperability in mind, Caér’s modular protocol architecture can be integrated with other DeFi primitives, oracle systems, and RWA tokenizers within the Pharos ecosystem. This positions Caér as a foundational layer for future innovation and ecosystem growth.

Join Us

Whether you're a seasoned DeFi builder or an explorer just entering the world of cross-chain finance, Caér Finance offers an advanced, secure, and composable infrastructure to power your next financial move.

Built with a native Application-Specific Sequencer (ASS) and integrated with Espresso’s decentralized finality layer, Caér enables seamless and trustless lending experiences across chains—now with native support for Real World Assets (RWA) such as gold and tokenized stocks.

With Caér, you’re not just lending and borrowing—you’re unlocking new possibilities in decentralized capital markets and helping shape the future of cross-chain finance.

Be part of the next financial evolution. Start lending, borrowing, and building with Caér today. 🚀