Composable Capital for the on-chain economy
The first decentralized borrowing and stablecoin protocol built to unlock institutional-grade assets and structured products for permissionless finance.
Transform tokenized investments and DeFi yield positions into active collateral- giving investors programmable liquidity, borrowing power, and staking opportunities at scale.
Compliance meets composability. Welcome to the future of finance.
Innovating the next frontier of tokenized finance and on-chain composability - with institutional-grade precision
The Borrowing Protocol
Aspen Tree’s borrowing engine lets users permissionlessly borrow against tokenized investments and DeFi-native collateral 24/7 - no paperwork, no approvals.
Supply Collateral: Security tokens, LP tokens, or yield-bearing assets
Mint Root USD (RUSD): An over collateralized stablecoin tied to USD via DEX pools
Borrow Confidently: Manage positions instantly 24/7, no fixed maturity dates, and LTV based pricing without the rate volatility of utilization-based lending models
Use Your Capital: Loop, stake, participate in DeFi strategies
Stay in control: self-custodied, real-time health factor monitoring, transparent automation
The first institutional-grade protocol transforming real-world assets into on-chain liquidity - unlocking access to the interoperable network of global digital finance.
Aspen Tree introduces a risk-adjusted, user-specific interest model based on collateral type and LTV - not subject to utilization-based rate volatility.
Borrowing rates are variable, priced over 1-month SOFR, but not volatile— designed for predictable, structured product construction.
Ideal for leveraged yield strategies, recursive borrowing, and advanced DeFi structuring.
Enables more efficient capital use while maintaining long-term safety and alignment.
Built to scale – solves for pool-based supply constraints by enabling overcollateralized RUSD minting directly from user positions without reliance on lending supply pools.
Designed for Predictable, Programmable Yield
Root USD: A New DeFi Primitive for Real Asset Liquidity
Root USD (RUSD) is the first fully decentralized, overcollateralized stablecoin backed by institutional grade securities and RWA tokens:
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Tokenized fund interests (security tokens)
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Yield-bearing DeFi assets
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Concentrated liquidity positions (DEX LPs)
While pegged to USD through decentralized exchange liquidity pools, RUSD is not fiat-backed. It derives stability and utility from programmatic collateralization and real asset value.
Predominantly minted through borrowing, RUSD benefits from natural buy-side demand that supports pricing equilibrium and unlocks novel structured strategies using LTV-based interest rate architecture.
RUSD is designed to be a true DeFi primitive - a composable, stable unit of account that underpins lending, yield strategies, structured products, and permissionless capital flows across the ecosystem.
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rTokens: Reservation Meets Participation
Each security token issuer may enable a unique rToken — a tokenized reservation of value that can be applied 1:1 toward a future investment, subject to approval.
rTokens unlock unprecedented access and mark a major step toward democratizing institutional-quality investments across the globe — tapping into entirely new pools of capital.
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No yield by default - but may be staked for rewards
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Globally accessible - users can accumulate and engage prior to formal investment approval
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Enables new access paths - for younger investors, undercapitalized communities, and emerging markets
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Creates novel functionality - rToken liquidity on DEXes enables new yield opportunities, hedging mechanisms, and price discovery in DeFi
While rTokens are not ownership and do not convey any legal interest in a security token until KYC/AML and eligibility requirements are met, they enhance their respective ecosystems - not by lowering standards, but by separating participation from qualification, creating a compliant, forward-compatible path to access while unlocking novel DeFi markets.
Secure & Scalable Architecture
Collateral on Aspen Tree Network is protected through a novel, multi-tiered collateral protection model:
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Tiered safety modules
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On-chain liquidity modules
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Automated liquidation processes
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Dynamic liquidation bonuses
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P2P liquidation front ends
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Real-time health factor logic
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Transparent smart contract risk paramaters
This ensures market confidence, platform resilience, and RUSD value protection even in volatile conditions without reliance on centralized actors.
Composable Ecosystem Participation
Aspen Tree Network offers deep, aligned participation pathways
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Stake governance tokens to secure the protocol
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Stake RUSD for lending participation and ecosystem utility
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Stake rTokens for access-based rewards and ecosystem inclusion
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Access curated Defi strategies directly integrated in-platform
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Boost rewards through alignment by committing capital for longer durations via automated staking contracts
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Use your integrated platform wallet (no crypto UX, no gas fees) or connect a DeFi-native wallet permissionlessly
Whether you're DeFi-native or platform-based security token investor, the system adapts to you - not the other way around.
The Bridge Between TradFi and DeFi
Aspen Tree doesn't just tokenize real-world assets - it connects financial ecosystems.
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Traditional investment offerings gain utility, liquidity, and reach
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DeFi users get access to stable yields and asset-backed strategies
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rTokens unlock participation for global and undercapitalized communities
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Root USD (RUSD) serves as a programmable liquidity layer for the next era of structured products
When capital becomes composable, everyone benefits — institutions, protocols, and individuals alike.
