Hoyu
@hoyu_io
Followers
1,646
Following
2
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70
Statuses
228
Hoyu is a DeFi protocol uniting lending and trading markets to give every token new utility as safe collateral.
Joined September 2022
Don't wanna be here?
Send us removal request.
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Pinned Tweet
Looking to understand the Hoyu protocol in-depth? We have a 45-minute whiteboard interview just for you.
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We're thrilled to bring Hoyu to
@SeiNetwork
!
Our protocol will be expanding access to safe lending and unlock the power of any token as collateral. This marks a major step forward in the evolution of
#DeFi
, and empowering all
#seiyans
.
Why should you be bullish for
#HoyuOnSei
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It's finally here!
Hoyu is LIVE on
@SeiNetwork
devnet. Use Hoyu to loop
@Silo_Stake
iSEI on arctic-1.
Get started here 👇
We appreciate your feedback as we continue to build the best
#DeFi
experience in
#Web3
by unlocking any token as collateral.
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Check out our step-by-step walkthrough of Hoyu on the Arctic 1 Devnet on $SEI!
Learn how to stake on
@Silo_Stake
, supply collateral, and borrow assets on this test environment.
We are looking for your feedback to build our game changing
#DeFi
protocol 👇
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We are excited to see Hoyu being a highlight in the
@SeiNetwork
ecosystem!
Stay tuned
#seiyans
, we have a lot in store 🌌
The
@SeiNetwork
ecosystem is constantly evolving! 🔴💨
Let's take a look at the latest updates ! 👇
🧵1/6
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We can't wait to get going!
#DeFi
innovation starts from $SEI
Warm welcomes to
@hoyu_io
the most recent DeFi entrant to the Sei ecosystem!
The speed of Sei enables Hoyu to perform critical financial actions, like liquidations, in tandem with live market changes — all in a single block.
This unique capability ensures that borrowing and
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We are very excited to announce our partnership with
@Silo_Stake
!
A staking protocol and a lending protocol working together can only mean good things 👀
Stay tuned, we have more to announce very soon 🌌
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Update just landed! ✈️
Now you can use the the 'Lend' feature on Hoyu.
Simply click below and get started 👇
We would love to hear your feedback on the experience so far!
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Quality of life update:
iSEI collateral is now prefilled, making it easier to get straight to business.
Swapping and Lending are also going to be activated soon.
We have added a small easter egg for another upcoming update in the screenshot.
Can you spot it? 👀
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Hoyu tackles the daunting issue of bad debt head-on by introducing dynamic lending limits based on real-time market data.
Traditional
#DeFi
lending can be risky, with volatile markets leading to unpaid loans. Hoyu's approach ensures safer lending by adjusting credit limits as
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So you started using Hoyu on the
@SeiNetwork
devnet but you're having difficulties?
We got you covered! 🌌
After staking devnet $SEI on
@Silo_Stake
, you get devnet iSEI tokens. These iSEI tokens can be used as collateral on Hoyu.
Full guide 👇
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No bad debt on Hoyu. Also, no TWAP or oracles. Soon 🌌
looks like comp v2 just ate about 3m of bad debt from the UNI +40% candle which didn't oracle update fast enough
multiple mev bots managed to create accounts like these
defi 1.0 violence
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One of Hoyu's goals is to help understand:
📍 How
#DeFi
money markets operate
📍 Why and when they're exploitable
📍 How Hoyu helps
And we're at it -
@jogundas
provided insights on that today at
@CryptoVilnius
event. 🎙️
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Building Hoyu's foundations is essential. And one of the biggest building blocks is the
#community
. 🧱
Want to be early or have questions about Hoyu?
Join our Telegram 👉
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A beautiful problem list. Hoyu solves those:
- Automated risk scoring of lending borrowing pools
- A dynamic Lending market parameter model
- Managing Risk for lenders and distributing risk
Love this list of Unsolved Problems in Crypto by
@0x_emperor
Crypto needs some proper Millennium Prizes to motivate researchers (besides hacking DeFi protocols 🙃)
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Hoyu is breaking new ground by open sourcing an early version of its core smart contracts 🧵
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Witness Hoyu firsthand. 📸
We will take the stage at
@PragueDefi
Summit and introduce you to permissionless money markets.
See you there? ✈
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Redefining the lending and trading landscape: Hoyu integrates both markets seamlessly. 🌟 Enjoy 90% LTV, risk protection for lenders, and true decentralization. No need for external oracles or liquidators.
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Facing issues with liquidity utilization in
#DeFi
?
Hoyu's AMM pools are here to turn the tide. Traditional platforms often struggle with capital inefficiency, but Hoyu optimizes liquidity like never before. By providing deep liquidity through its innovative pool design, Hoyu
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Exciting progress in the Hoyu codebase! Just implemented a new borrow fee mechanism and introduced virtual offsets tracking 🏗️🏗️🏗️
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There are many ways to do DeFi. One is to finely balance many hundreds of parameters through governance. Another is to have 0 adjustable parameters, no governance and immutable smart contracts 🌌
12/ That's 600 parameters to adjust, which becomes even more complex when market listings balloon.
Effectively managing these parameters is only possible with an automated risk engine with a streamlined governance process.
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A must read piece by
@themandalore9
on what matters in the long run and philosophy as a differentiator. The Hoyu protocol strives for permissionless innovation, immutability and independence.
Wrote an article. Some of my thinking on where the oracle space is going to go/need to go. Enjoy and would love feedback!
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Kudos to the Ajna team for identifying potential risks and taking prompt action to protect their community. In the evolving landscape of DeFi, challenges are inevitable. Wishing Ajna a swift and secure redeployment. Together, we grow stronger. 💪🌐
#DeFiUnited
Attention: Action item for Ajna borrowers.
We recently identified a possible way to grief a section of users of the protocol. Whilst we're uncertain how likely this is to happen - we believe the safest thing to do is for users pay down their debt and withdraw their funds.
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What can be scarier than than lending markets based on liquidity-unaware spot price oracles 🎃 — a short Halloween 🧵
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Credible neutrality = no overlords + open source + simple + immutable 🌌
Ive been thinking recently about credible neutrality as a guiding principle for the future of how we earn money
The 4 rules
@VitalikButerin
laid out in his 2020 piece really helped me connect the pieces
1. Don't write specific people or outcomes into the mechanism
They
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Fresh look alert! Our landing page got an update. Check out that design!
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Mind share has already been tokenized, is being traded and will be accepted accepted as collateral 🌌
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Hoyu is apparently a harbinger of a new industry 🌌
Loved the
@web3narva
conference! Engaging in a panel discussion with
@jara_collabwith
and
@VIzmands
was a highlight. A big shoutout to our moderator Jana Budkovskaja from
@beamlinefund
. It's refreshing to have a panel with diverse opinions and thought-provoking discussion.
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Great dashboard!
But what if a money market protocol had no bad debt by design. 🤯
Introducing the Bad Debt Dashboard:
As part of our efforts to increase transparency around DeFi borrowing and lending protocols, we’ve just launched a new dashboard that tracks bad debt across Compound compatible protocols.
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Supporting all assets with no oracles 🌌
@peckshield
@Rodeo_Finance
Rodeo's hack among so many others raises serious questions for the need to explore alternative models beyond oracles to support long tail assets.
Every lending protocol that supported long tail assets got hacked at some point and the larger ones(that didn't) delisted all of
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Oracles are tough 🌌
It was a success! Thanks again to the awesome panelists
@jensenhaji
,
@MTorgin
,
@ronstedt
, and
@Phil_Kelly_NYC
at
@stable_summit
#unstSummit
#DevconnectIST
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New in the Hoyu repo: You can now recover excess collateral following liquidations – a significant step forward! Detailed, approachable breakdown coming soon.
#buildinpublic
🏗️🏗️🏗️
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Improving Liquidity Awareness in Lending Markets: a thread 🧵 and a blogpost
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@Risk_DAO
Lending markets use clever strategies to overcome these limitations, like delegating liquidation decisions to external liquidators. But remember, these structures have their pitfalls as pointed out by
@PestoPoppa
@warmuz_jakub
@amitchax
.
⚠️ There’s a fundamental flaw shared by major
#DeFi
#lending
markets that DeFi users should be aware of. It single-handedly caused the $1.78M of bad debt created by
@avi_eisen
’s position on
@AaveAave
on November 22nd.
🧵👇
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No governance is the way 🌌
If you thought governance was all a farce, just imagine how much worse it's going to get. The best DeFi protocols are those built a minimal reliance on governance. Ideally it should be NONE.
This blog post by
@TokenBrice
gives you a feeling for the behind-the-scenes clown shows
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Oracles, those mystical tech augurs, warrant cautious engagement, especially if you are a lending market smart contract. Kudos to
@samczsun
for persistently hammering this point home since at least 2019.
Ever asked yourself whether you should use spot price as your oracle but didn't know the answer? This one's for you!
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Hoyu smart contracts are being built with liquidity awareness such that liquidations are automatic and bad loans are simply impossible. Stay tuned 🏗️
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🤖
2/
"... it defies logic that a drafter of computer code underlying a particular software platform could be liable under Section 29(b) for a third-party’s misuse of that platform. As discussed, smart contracts are self-executing, self-enforcing code..."
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Bad debt isn't just a minor nuisance—it could lead to a lending market's total collapse. And there's a dashboard tracking this by
@Risk_DAO
!
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There is a lot of analysis on loans with $CRV collateral on various lending markets at the moment. Due to limited liquidity, liquidating these loans might be problematic, and some users are strongly concerned.
A bit of background
Curve's founder first rushed to repay the loan on Fraxlend because the borrowing rates were the highest.
Naturally, other protocols with CRV collateral want to increase borrowing rates so that the debts will be repaid on their protocols ASAP.
This squeezes
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Good to see more protocols picking up Hoyu's idea. See you soon on mainnet!
BAMM BAMM BAMM: A Revolutionary DeFi Primitive 💥
BAMM (or Borrow AMM) which is being built by the
@fraxfinance
Core Team will allow users to use leverage on any token without the need of oracles, adding the ability to borrow from an LP pool safely 🥽
Let's Have A Look 👀
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Security first - that's our approach.
Dependency on external factors can generate manipulation opportunities in money markets.
Hoyu will have none of that!
✔️ No on-chain dependencies
✔️ No off-chain dependencies
✔️ No cross contamination
Expect us 🔜
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The Hoyu code is progressing at a good pace:
- Adjusted borrow limit
- Using timestamp instead of block number
- Reworked TickMath library
- Reworked liquidations
- Other adjustments, fixes, cleanup and renames
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1/6 Navigating Basic Loan Liquidations in the Hoyu Protocol: a thread 🧵 and a blogpost 👉
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Over the last months we have shared several detailed technical blogposts 👇
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It's concerning to learn about yet another lending market exploit. This situation underscores the need for deliberate innovation and thorough testing. Building more secure and resilient systems is key.
Radiant Capital
@RDNTCapital
was under a flash loan attack with a loss of $4.5M.
Attacker:
The attacker manipulated the index parameter (which later served as a denominator) to become extremely large. The contract has a rounding issue in its
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Time for another stick figure thread on Hoyu loan liquidation! We have discussed the intricacies of LTV-criterion-based loan liquidation last week. Today we're looking into a Liquidity Limit, which is a new criterion specific to Hoyu.
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Let's see where any collateral and no oracles gets us 🌌
@GwartyGwart
I actually think money markets like Aave and Compound are the closest.
The gaps are actually the type of collateral they can take, and the poor pricing/adoption of fixed rates.
Even in North America, the ability to get a loan against assets, financing a mortgage etc, is
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@DeFiDave22
@fraxfinance
Good to see this idea is picking steam! We have open sourced this 2 months ago, live on testnet now, launching to mainnet next year.
Hoyu is breaking new ground by open sourcing an early version of its core smart contracts 🧵
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@Risk_DAO
@PestoPoppa
@warmuz_jakub
@amitchax
What can we do better? Update lending market architecture to evaluate collateral liquidity directly. Integrate lending and trading markets and never have bad debt.
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@Risk_DAO
@PestoPoppa
@warmuz_jakub
@amitchax
Only a handful of tokens are accepted as collateral on-chain, despite thousands available. Why? It's a safety measure. Supply & borrow caps might appear to seal the deal, but even they often leave room for a liquidity spill.
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@Olga15188409
@SeiNetwork
@mrktexchange
@PixelRealmlabs
We'll be wroking hard to unlock the DeFi's potential for all
#seiyans
🌌
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According to the current code, Hoyu will run out of numbers in 783 years on mainnet. Hoyu: it's in the name! 🌌
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Good to learn about formal verification from a bunch of extremely enthusiastic and knowledgeable people!
#DevconnectIST
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What if a money market protocol allowed any token as collateral with no permissioned opinions about what is money? Fully self-contained, relying only on the underlying network and VM? No external liquidators, no price oracles—just a decentralized path to ideal money? 💭
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Come talk to Hoyu contributors at
@EFDevconnect
. You'll find them in these events:
Mon: Formal Verification Hangout 2 and HOT TAKE Series: Battle of the L2s
Tue: EVM summit
Wed: unStable Summit
Thu: Solidity summit
A thread with links to every one of the events follows.
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The countdown to Solidity Summit 2023 has officially begun! 🥳 Join us for a packed day full of talks and discussions on advanced Solidity topics on November 16 in Istanbul at
@EFDevconnect
.
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@TheFett
Spot Price Mechanics: Rather than using oracles, Hoyu taps into its Trading Market (DEX) reserves for current prices. Selling collateral works even at close-to-100% loan-to-value.
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@EFDevconnect
Mon: Formal Verification Hangout 2 and HOT TAKE Series: Battle of the L2s
We see a lot of hot takes online, but what about IRL? 👀
Avail’s Hot Take Series: Battle of the L2s. A full day deep dive of the emerging L3 ecosystem ft top L2s
Coming to an
@EFDevconnect
stage near you
🗓 Nov 13, 2023
Grand Hyatt Istanbul
RSVP here👇
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@TheFett
Security & Governance: From gas denial-of-service (DoS) attack prevention to economic & technical attack resilience. Plus, Hoyu's stand on on-chain governance. Spoiler: no governance.
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The Hoyu repo is moving nicely forward! New things:
- Swaps using virtual offsets
- Reentrancy prevention
- Overhauled events
- Updated OZ lib
- Small improvements, refactoring, and changes
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@Risk_DAO
@PestoPoppa
@warmuz_jakub
@amitchax
Check out the whole blogpost at and join the Hoyu community for a chat at /end
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Classical AMMs are more versatile than you might think. The k=x*y's are so robust that they remain the go-to tech for volatile assets, that's why Hoyu builds on this simple AMM.
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