It is the product. Every Wholemark market publishes its collateral, oracle, rate model, LLTV, cap, liquidity, and liquidation line before a user signs.
Loan token, collateral token, oracle, interest-rate model, and LLTV are hashed into one immutable identity. A different oracle or limit does not edit the old market—it creates another book.
Lower LLTV leaves more distance between debt and collateral value. It does not make price, liquidity, issuer, or smart-contract risk disappear.
This ledger deliberately includes what is not finished. “Not published” is more useful than a badge the repository cannot substantiate.
The checked-in Robinhood Chain testnet and mainnet addresses are currently zero. Local Anvil is an engineering environment, not proof of production readiness.
The core and extensions have automated tests but no published independent audit. A defect can cause permanent loss.
Health depends on market-specific prices. A stale feed reverts, but an incorrect live answer can still misprice debt or liquidation.
Withdrawals cannot be paused, but they can be unavailable when borrowers consume the market’s liquid loan assets.
Tokenized assets add issuer, bridge, redemption, transfer, legal, and market-hours risk beyond the lending contracts.
If liquidation exhausts collateral before debt, the shortfall reduces supplier assets inside that isolated market.
The core owner controls fees, supply caps, the fee recipient, and which new LLTV and IRM options may be used.
The complete formulas, rounding rules, event surface, deployment map, and production limitations are documented in the protocol handbook.