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White-Label Lending & Private Credit Platform

In short

White-label lending infrastructure you own and run under your brand, not a lending fund you borrow from. Built on Aave V3 and live in production as the LandX Credit Gateway.

Trusted by teams building on-chain

Protofire builds white-label lending and private-credit platform infrastructure: an Aave-V3-based credit engine, productized as Arenas (arenas.fi), that lets an RWA platform, an EVM chain, or a fintech launch its own branded lending market and route capital to vetted borrowers, without writing the Solidity or commissioning the audits itself. The result is a white-label lending platform you own and run under your brand: you bring the brand and the borrowers, and the credit engine sits underneath.

Building credit infrastructure from scratch is the blocker: it takes rare Solidity and DeFi expertise, independent security audits, and 12-18 months before a single borrower can draw funds. Arenas collapses that to a branded market live in 3-6 months on battle-tested, forked Aave V3 contracts, extended to handle the collateral Aave's core money market cannot: tokenized real estate, invoices, future crop yields, intellectual property, and creator revenue, in either permissionless or KYC-gated form.

Arenas is one of Protofire's ventures, seeded by Protofire Ventures, and it is already in production: the LandX Credit Gateway runs on Arbitrum today, with Creators Bank in beta. We work with RWA originators, private-credit and fintech firms going on-chain, ecosystem chains that need a flagship lending market, and treasuries seeking real-world yield.

A full lending stack, deployed and maintained end to end

From isolated credit pools through RWA collateral modules to on-chain reporting, Protofire builds and operates every layer so clients own the brand and the borrower relationship.

01

Credit Pools

Isolated peer-to-pool markets per Arena, structured into Junior/Senior/Mezzanine tranches with CDO-style yield tokens; day-one liquidity via Aave V3 credit delegation alongside direct LP pools.
02

Collateral & RWA

Configurable collateral modules for tokenized real estate, invoices, future crop yields, IP tokens, NFTs, and revenue streams - the asset classes Aave's core money market cannot accept.
03

Risk & Oracle

Per-vertical LTV and liquidation thresholds, price and NAV oracle adapters, KYC/KYB-gated access controls for permissioned markets, and an underwriter-backed reinsurance pool for new asset classes.
04

Secondary & OTC

CDO-style yield tokens per tranche give lenders tradeable positions; compatible Aave V2+ fork deployments serve as an additional liquidity source alongside direct pool LPs.
05

Reporting

On-chain credit data indexed via subgraphs (The Graph or Subsquid) and exposed through a GraphQL API; Protofire operates continuous security monitoring and protocol maintenance.
01

What Arenas delivers

Most credit products in DeFi are funds you lend into. Arenas is the opposite: it's the factory and backbone, so the credit market launches under your brand, on your chain, governed by you. We deploy the contracts, the lending UI built on an SDK/API stack, the subgraphs, and the risk framework as a turnkey credit backend, then operate and maintain it.

The client owns the customer relationship and the borrower pipeline; Protofire owns the engineering and the security monitoring. Because non-crypto-native borrowers (farmers, originators, creators) interact with a familiar branded product rather than raw DeFi, adoption doesn't depend on teaching your users to navigate a money market. Benefits: a branded credit market without an in-house Solidity team · you own the brand, the data, and the borrower relationship · contracts and security operations maintained by Protofire, not your roadmap.

02

How a deployment works

1

Discovery & design

We map your chain, your borrower vertical, and your collateral type, and pick the market mode (permissioned vs. permissionless) and risk tiers. Deliverable: an Arena architecture and risk-parameter plan. (Foundation, roughly weeks 1-8.)
2

Engine & collateral

We deploy (or integrate an existing) Aave V3 fork plus the Credit Arena Engine, configure the lending pool and LTV/liquidation parameters, deploy the collateral module for your vertical, and ship the subgraph and GraphQL API. Deliverable: live, configured credit contracts and data layer.
3

Arena & liquidity

We launch the white-label, branded lending UI, integrate KYC/KYB if required, stand up credit delegation from Aave V3, and begin liquidity-provider onboarding. Deliverable: a branded Arena with day-one liquidity.
4

Mainnet launch

First Arena goes live with real borrowers, liquidity is bootstrapped from Aave delegation plus direct LPs, and the 10% revenue model goes operational. Deliverable: a live credit market with an active first borrower cohort. Total: 3-6 months (about 12-26 weeks).
03

What you can launch with Arenas

A branded RWA-backed lending market on an EVM chain
Real-estate-tokenization lending (borrow against tokenized property)
Invoice factoring and trade-finance credit on-chain
Agricultural / future-yield credit (live: LandX)
Creator-economy credit lines (future revenue as collateral)
NFT- and IP-backed loans
Permissioned, KYC-gated institutional lending
DAO and treasury liquidity access
A flagship DeFi credit primitive to anchor a chain's ecosystem
White-label branded lending for ecosystem partners
04

Live in production: the LandX Credit Gateway

Arenas isn't a prototype. The engine is running. For LandX, an agricultural RWA platform, we deployed the Credit Arena Engine on Arbitrum as the LandX Credit Gateway (credit.landx.fi). Farmers tokenize future crop yields and borrow stablecoins against them, exactly the kind of real-world collateral Aave's core money market can't take.

Our approach: configure the crop-yield collateral module, set conservative LTV and liquidation thresholds for a new asset class, and source day-one liquidity through Aave credit delegation alongside direct lenders so the market opened without a cold start. The outcome is a live credit market with real borrowers and liquidity providers, and a validated commercial model: Protofire earns 10% of borrower interest plus a white-label IP-license fee paid partly in LNDX tokens.

A second vertical, Creators Bank (Protofire incubation), is in beta, with revenue-based credit scoring drawn from verified platform-API revenue.

05

Built by the team that helped build Aave

Arenas is built by Protofire, a blockchain engineering company with 250+ shipped projects across 60+ networks and 95+ protocols since 2016. The credibility that matters for a lending product: the team has contributed to Aave's and MakerDAO's core development since 2016, with domain depth in collateral listing, CDP stablecoins, liquidation markets, and RWA-collateralized lending.

Arenas's co-founders include engineers who prototyped a Digital Euro for the ECB. Protofire is an official Safe Guardian, with Protofire-deployed networks securing $2B+ across 120+ EVM networks; the author of external adapters for Chainlink; and the maintainer of Solhint, the open-source Solidity linter used by 1M+ developers.

Arenas itself is a Protofire venture, seeded by Protofire Ventures, so the engine routing your capital is one we have skin in. And Arenas is already in production: the LandX Credit Gateway runs on Arbitrum today, so what you deploy is operating infrastructure, not a reference design.

“Launch a branded credit market in 3-6 months without building DeFi infrastructure from scratch.”

FAQ

What is Arenas?
Arenas (arenas.fi) is Protofire's white-label lending infrastructure for real-world assets and digital assets. It's a credit engine: a forked Aave V3 deployment (Pool, PoolConfigurator, oracle adapters) plus the Credit Arena Engine factory on top. That engine lets an RWA platform, EVM chain, or fintech launch its own branded lending market and route capital to vetted borrowers, without writing the Solidity, commissioning the audits, or running the security operations in-house. Protofire deploys the contracts, the lending UI, the subgraphs, and the risk framework as a turnkey backend, then operates and maintains it, while the client keeps the brand, the data, and the borrower relationship. Each Arena is an isolated market with its own collateral type and risk parameters. It's live today as the LandX Credit Gateway on Arbitrum, where farmers borrow against tokenized crop yields, and it's one of Protofire's ventures.
What does "white-label lending infrastructure" actually give me?
The full credit backend, running under your brand: forked Aave V3 lending contracts, the Credit Arena Engine, a branded lending/borrowing UI on an SDK/API stack, subgraphs and a GraphQL API for on-chain credit data, configurable risk tiers, optional KYC/KYB permissioning, and credit delegation for day-one liquidity. The lending model is peer-to-pool, and liquidity is sourced three ways (Aave V3 credit delegation, direct lending pools per Arena, and compatible Aave V2+ fork liquidity), so borrowers don't wait for a pool to fill before they can draw. Pools can be structured into Junior/Senior/Mezzanine tranches with CDO-style yield tokens for lenders. Protofire deploys it, maintains it, monitors its security, and helps source liquidity, so you skip the 12-18 months a from-scratch build takes and own the brand, the data, and the borrower relationship instead of the bugs.
Which assets can borrowers use as collateral?
ERC-20 tokens, RWA tokens (tokenized real estate, invoices, trade-finance receivables, crop yields), NFTs and intellectual-property tokens, future revenue streams (e.g. creator earnings, verified via platform APIs), and in-game assets, exactly the collateral Aave's core money market was never built to take. Each Arena is an isolated market with its own collateral type and conservatively tuned LTV and liquidation thresholds, so a new or higher-risk asset class can't contaminate the others. An originator can stand up a market for tokenized real estate, invoice factoring, trade-finance receivables, or agricultural yields against the same engine, with a reinsurance pool backed by underwriters to absorb default risk on new asset classes. The live LandX Credit Gateway proves the agricultural case: farmers tokenize future crop yields and borrow stablecoins against them on Arbitrum today.
We're an RWA originator. Can our holders borrow against their tokenized assets?
Yes, that's a primary use case. If you've tokenized an asset (real estate, invoices, IP, future revenue) and your holders want to collateralize it, Arenas gives you an embedded credit market for exactly that, in permissionless or KYC-gated form, without you building DeFi infrastructure from scratch. We deploy the collateral module for your vertical, set conservative LTV and liquidation thresholds for the asset class, and source day-one liquidity through Aave credit delegation so the market opens without a cold start. Because non-crypto-native borrowers interact with a familiar branded product rather than raw DeFi, adoption doesn't depend on teaching your users to navigate a money market, and you keep the customer relationship and the borrower pipeline. The live LandX Credit Gateway is this pattern: holders of tokenized future crop yields borrow stablecoins against them on Arbitrum today.
How long does it take to launch an Arena, and what does it cost?
A branded Arena typically goes live in 3-6 months (about 12-26 weeks) versus the 12-18 months a from-scratch build takes. The deployment moves through discovery and Arena design, the engine-and-collateral build (the Aave V3 fork plus the Credit Arena Engine, LTV and liquidation configuration, the collateral module for your vertical, and the subgraph and GraphQL API), then the branded Arena and liquidity setup with KYC/KYB if required, and mainnet launch with a first borrower cohort. The engagement is scoped depending on chain, vertical, and compliance needs, alongside the core ongoing model: Protofire earns 10% of the interest borrowers pay, which covers protocol maintenance, security monitoring, and operations you'd otherwise staff. Because our revenue tracks borrower volume, we actively source liquidity introductions and help drive borrower acquisition. We confirm the exact scope and estimate on the first call.
We already have Aave deployed on our chain. Why do we need Arenas?
Aave's core protocol is a money market for crypto-native, over-collateralized loans. Arenas adds what it doesn't: RWA-backed collateral, KYC-gated permissioned markets, NFT/IP-backed loans, revenue-based credit lines, and the white-label factory that lets ecosystem partners launch their own branded Arenas. It pairs the forked Aave V3 deployment with the Credit Arena Engine, a multi-Arena factory and lending-pool manager that adds isolated per-collateral markets, Junior/Senior/Mezzanine tranches, and credit scoring that blends Aave V3 liquidation ratios with off-chain and revenue-based signals. The two are complementary: if Aave's DAO deploys natively to your chain, Arenas integrates that deployment as its liquidity backbone, draws day-one liquidity through Aave credit delegation, and keeps operating the Arena engine on top. You get the RWA and permissioned layer Aave's core money market doesn't provide, without giving up the Aave liquidity you already have.
How is the default risk handled?
Per Arena: conservative LTV and liquidation thresholds tuned per vertical, isolated markets per collateral type so one Arena can't contaminate another, and structured Junior/Senior/Mezzanine tranches with CDO-style yield tokens that let conservative and yield-seeking lenders coexist. Credit scoring combines standard Aave V3 liquidation ratios with off-chain and revenue-based scoring. For creator verticals, repayments can be automated from verified platform-API revenue; for RWA markets, collateral is tokenized with on-chain liquidation mechanics, and KYC/KYB runs through partner providers in permissioned mode. A reinsurance pool backed by underwriters can absorb default risk on new asset classes in exchange for yield. The LandX deployment demonstrates the mechanics in production: conservative thresholds for a new asset class, on-chain liquidation, and day-one liquidity sourced through Aave credit delegation alongside direct lenders so the market never opened cold.

Reviewed by Luis Medeiros, Field CTO at Protofire. Last reviewed: June 2026.

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