Overview

Introduction:Caér Finance

Welcome to Caér Finance, a permissionless cross-chain lending and borrowing protocol seamlessly integrated with Chainlink CCIP and Chainlink Data Streams.

Caér is designed to solve one of DeFi’s biggest limitations: fragmented liquidity across blockchains. By leveraging Chainlink’s secure and reliable cross-chain infrastructure, Caér enables users to deposit collateral on one chain and borrow assets on another. Without relying on centralized bridges, wrapped tokens, or custodial intermediaries.

Through the Chainlink Cross-Chain Interoperability Protocol (CCIP), Caér supports secure, atomic cross-chain messaging and token transfers using a burn-and-mint model. This approach ensures supply consistency, minimizes trust assumptions, and unlocks capital efficiency across ecosystems.

In parallel, Chainlink Data Streams provide sub-second, real-time price updates from aggregated data sources enabling Caér to deliver accurate and dynamic collateral valuations, support real-time loan-to-value (LTV) tracking.

These live data feeds serve as a foundational layer for future risk-based features, such as automated alerts, position health monitoring, and eventually, liquidation mechanisms.

By integrating these two Chainlink innovations, Caér offers:

• Seamless cross-chain collateral management,

• Real-time position monitoring and adaptive LTV logic,

• A modular infrastructure layer designed for secure and scalable DeFi integrations.

What is Caér Finance?

Caér Finance is a permissionless cross-chain lending protocol designed to enable users to lend, borrow, and manage collateral seamlessly across multiple blockchain networks. It introduces a novel approach to decentralized finance by removing the constraints of single-chain operations and enabling interoperable financial interactions.

The core mechanism behind Caér is powered by Chainlink CCIP, which facilitates secure cross-chain communication using a burn-and-mint model. When a user deposits collateral on one chain and wishes to borrow on another, CCIP ensures that the transaction is executed atomically and trustlessly. Without relying on centralized bridges or synthetic wrapped assets.

To support real-time valuation of collateral and borrowing positions, Caér integrates Chainlink Data Streams, which deliver sub-second, high-frequency price data directly on-chain. This ensures that users always interact with up-to-date information when assessing their borrowing capacity or adjusting their collateral positions.

In addition to its cross-chain capabilities, Caér features a built-in collateral swap mechanism, allowing users to modify their collateral composition within the protocol without needing to exit or unwind their positions. This functionality provides enhanced flexibility in adapting to market conditions. To ensure accurate and up-to-date valuations during the swap process, Caér leverages Chainlink Data Streams, which deliver real-time pricing data from decentralized and aggregated sources. This integration helps preserve protocol integrity and ensures that collateral swaps are executed based on fair market values.

Caér combines these elements into a unified, modular architecture that prioritizes security, precision, and capital efficiency. Positioning it as a next-generation lending layer for the evolving multichain DeFi ecosystem.

Key Features

• Permissionless Cross-Chain Lending & Borrowing : Caér Finance facilitates decentralized lending and borrowing across multiple blockchain networks without the need for centralized intermediaries or permissions. Users are able to supply collateral on one chain and borrow assets on another, enabling efficient cross-chain capital utilization. This open-access model promotes financial inclusion while maintaining full user custody and sovereignty over assets.

• Secure Cross-Chain Messaging Powered by Chainlink CCIP : Caér Finance leverages Chainlink Cross-Chain Interoperability Protocol (CCIP) to securely transmit data and token instructions across disparate blockchain environments. Utilizing a burn-and-mint mechanism, CCIP ensures atomicity and supply consistency throughout the cross-chain transaction lifecycle. This eliminates the reliance on custodial bridges and reduces systemic risk while enabling composable DeFi infrastructure across chains.

• Real-Time Collateral Valuation via Chainlink Data Streams : To support precise risk management and informed borrowing decisions, Caér integrates Chainlink Data Streams, which deliver real-time, high-frequency pricing data from aggregated sources. These data feeds enable accurate and dynamic loan-to-value (LTV) assessments, enhance transparency for users, and serve as the foundation for future implementations of automated risk controls and liquidation mechanisms.

• Native Collateral Swap Mechanism : Caér Finance includes a native collateral swap feature that allows users to adjust their collateral within the protocol without closing existing positions. This provides flexibility in managing market exposure and responding to price movements. To ensure accurate and fair execution, the swap mechanism integrates Chainlink Data Streams, delivering real-time and reliable price data that reflect current market conditions.

Join Us

Caér Finance is proud to be built on top of Chainlink's industry-leading infrastructure, integrating both Chainlink CCIP for secure cross-chain interoperability and Chainlink Data Streams for real-time, high-frequency market data. These integrations form the foundation of Caér’s cross-chain lending protocol, enabling atomic messaging across chains and accurate collateral management without centralized dependencies.

We believe in an open, interoperable DeFi future. One where liquidity, security, and usability are not confined to single chains. By leveraging Chainlink’s decentralized services, Caér aims to provide developers, users, and the broader ecosystem with a permissionless platform to unlock cross-chain capital efficiency.

We invite the Chainlink community and fellow builders to contribute, collaborate, and explore how Caér can serve as a foundational primitive for the next wave of cross-chain financial applications. Let’s build a more connected DeFi together.

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