3A DAO
3A is a decentralized lending protocol offering efficient leverage with no recurring interest for crypto and on-chain Real World Assets. It ensures enterprise-grade security, is non-custodial, and permissionless, enabling users to leverage their long positions, particularly attractive for yield-bearing assets like liquid-staked tokens, LP tokens, tokenized bonds, and treasuries.
Users deposit whitelisted crypto-assets (e.g., stETH) as collateral into a vault smart contract, allowing them to mint and withdraw EURO3 stablecoin, pegged to the Euro. EURO3 is then used to buy and deposit more collateral. Vault Health Factor (HF) must be >1 to avoid liquidation. The HF is determined by the 3A data-driven risk model.
In addition to collateral, loans are secured by the Stability Pool, containing EURO3 tokens staked by fellow borrowers acting as guarantors.
The protocol addresses four critical problems: on-demand, low-cost liquidity; deep liquidity on DEXs; sustainable yields; and treasuries management.
Who should use 3A?
- Blockchain protocols in need of low-cost liquidity
- Users wanting to earn yield and access liquidity by borrowing against their own tokens
- Treasuries seeking portfolio diversification without selling tokens.
- EURO3 is the Euro-pegged stablecoin used for loans on the 3A protocol.
- A3A utility token orchestrates the ecosystem, returning value to token holders.
Key innovations include cashbacks, real-world assets, and premium services.
The protocol is governed by the 3A DAO LLC
