Quickstart

Pixcross offers a unique, cross-chain platform that enables anyone with intellectual property (IP)—represented as non-fungible tokens (NFTs)—to leverage their assets as collateral to borrow stablecoins from decentralized liquidity pools. By avoiding the need to sell these valuable assets, Pixcross empowers creators and IP holders with accessible liquidity and financial flexibility.

Now live across Ethereum Sepolia, Base Sepolia, Arbitrum Sepolia, and Avalanche Fuji, Pixcross brings its NFT-collateralized DeFi model to a broader and more interoperable ecosystem.

Create or Join Lending Pools

The lending process begins with the creation of a pool, where users define:

• The type of NFT collateral (IP) to be accepted.

• Paired stablecoin for borrowing (e.g., USDC).

• Loan parameters, such as:

  • Maximum Loan-to-Value (LTV) ratio,

  • Liquidation Threshold (LTH),

  • Chosen interest rate model.

This customization ensures that both lenders and borrowers can operate under terms that best suit their risk and return expectations.

Curators: Decentralized Fund Managers

Anyone can deposit stablecoins into Pixcross to earn yield—but these deposits are not allocated directly. Instead, they are distributed by curators, who:

• Strategically allocate funds to various lending pools.

• Manage risk exposure by diversifying deposits across pools.

• Adjust allocations over time to maximize yield and maintain healthy pool performance.

Curators are incentivized through management fees, tied to:

• Total Assets Under Management (AUM),

• Yield generated for depositors.

This creates a competitive environment where the most effective curators are rewarded for their strategies.

Real-Time Valuation & Secure Liquidation

Collateralized NFTs (IP) are valued using real-time oracle data, ensuring accuracy in loan risk assessment. If the value of a collateralized asset falls to or below the Liquidation Threshold (LTH), a liquidation event is triggered.

Pixcross uses a transparent 24-hour auction mechanism for liquidation:

• Anyone can bid on the collateralized NFT.

• The highest bidder acquires the IP at the winning price.

• Proceeds from the auction repay the outstanding loan and any accrued interest.

• Any excess amount (surplus) may be returned to the borrower, preserving fairness.

This system ensures:

• Lenders are protected from defaults.

• Borrowers have a fair, time-based opportunity to regain liquidity or find new ownership for their IP.

• The ecosystem remains transparent and trustless.