StockReef is an automatic risk-control protocol for tokenized stock borrowers and USDG lenders. It reduces outstanding debt before market closures through borrower-funded repayments, gradually tightening thresholds, and partial liquidation, and then gives recovery priority when the market opens again.
Stock-backed loans can carry debt through a market closure while the regular-session stock price stops updating. A loan that meets its limit on Friday may reopen undercollateralized on Monday. Blocking new borrowing does not reduce the debt already outstanding.
StockReef prepares TSLA-backed USDG loans before the close. It shows borrowers what to repay or add, executes USDG repayment buffers they funded in advance, and allows partial liquidation when a loan crosses a published, tightening threshold. It blocks new borrowing during closure and gives recovery actions time to run after a fresh reopening price arrives. Each repayment or liquidation still requires a transaction.
The result: lenders can safely lend up to 75%.
StockReef is live on Robinhood Chain testnet with Tesla and USDG: a funded market, real transactions on the explorer, and 535 tests. Next, we calibrate the limits on real data, add more stocks, get audited and launch on mainnet.
During the buildathon, we took StockReef from a risk model to a working TSLA/USDG lending market on Robinhood Chain testnet. We built the session calendar, price checks, borrower repayment buffers, partial liquidation rules, lender vault, keeper, and web app. We tested the close and reopening flows with unit, property, invariant, and mainnet fork tests, then incorporated audit fixes and redeployed the updated contracts. The testnet demo uses real faucet TSLA and Paxos USDG, with a clearly labelled simulated stock price and market clock.
Once a revenue model is established, the pitch will be forwarded by the fundraising team to the blockchain alumni network of IIT-Roorkee.
