Acumen is a multi-chain DeFi protocol that bridges the world of DeFi (Decentralized Finance) with Real World Assets (RWA), enabling users to seamlessly allocate crypto currencies to pools that provide stable attractive yield. By focusing on RWA to generate yield, Acumen both stimulates global economic activity and offers attractive and stable yields to stablecoin holders.
Acumen generates yield through its Fixed and Senior Pools. Acumen Senior pools allocate capital across the different Fixed pools, prior to being deployed in the Fixed pool the Senior pool can generate interest through decentralized finance. Acumen Fixed pools generate yield from real-world assets in various markets. The interest earned is then distributed to pool participants and liquidity providers at intervals determined by the terms of the specific pool.
To participate in the Acumen Protocol, users can deposit funds into either the Senior Pool or one of the Fixed Pools. The available pools can be browsed on the Stabledapp platform. Users can select a pool that interests them and may review available details such as investment highlights, repayment terms, borrower profiles, risk mitigation strategies, and recent investor activity. After deciding to participate in the pool, users will need to connect their wallet and deposit one of the supported stablecoins (USDC, USDT, or DAI) into their chosen pool to access the pool's coupon.
ACUMEN DOES NOT PROVIDE INVESTMENT ADVICE OR MAKE RECOMMENDATIONS.
The information provided regarding the Acumen Protocol and the associated processes on the Stabledapp platform is for general informational purposes only and is provided by the issuer (not Acumen). While we strive to keep the information updated and accurate, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the details provided, including but not limited to investment highlights, credit expert analyses, repayment terms, and borrower profiles. Users are strongly advised to conduct their own research, due diligence, and seek professional advice before making any investment decisions. Relying solely on this information without verification or consultation can lead to financial losses for which we will not be held responsible. You are solely responsible for your actions, investments, and the results thereof.
There are two main ways to become part of the Acumen community. Firstly, you can join the Discord server, where you can ask questions, engage with fellow investors and liquidity providers, and receive updates on new pools, protocol developments, and DAO votes. Secondly, you can stake the ACM governance token to become a member of the Acumen DAO, granting you the ability to vote on significant decisions and protocol upgrades.
Yes, the Acumen Protocol and its smart contracts are fully open source. You can find the complete Acumen codebase on the project's Github repository.
Acumen has adopted a multi-chain approach from its inception to make its product accessible to as many users as possible. Acumen has received strategic investment from Fuel, Avalanche, and Near and aims to address the multi trillion dollar capital inefficiencies in global financial markets - by connecting DeFi with RWA. Having multiple avenues of liquidity is the most efficient way to address this issue and scale. Acumen’s partner chains include Fuel, Avalanche, and Near, and were selected for their ease of use and cost-effective gas fees.
Loans within the Acumen Protocol are denominated in major fiat currencies and issued on-chain in three stablecoins: USDC, USDT, and DAI.
The EVM version of the smart contracts hosting the Acumen Protocol on Avalanche has undergone an audit by Omniscia; the complete audit report can be found here.
Pursuant to the regulatory obligations within the jurisdiction of El Salvador, Acumen duly adheres to Know Your Customer ("KYC") mandates. By engaging with the Acumen protocol or accessing its online platform, you hereby agree to its Terms of Service ("TOS"). All participants in the Acumen protocol shall strictly conform to the stipulations delineated in our Terms of Service. In accordance with its recognition as an Authorized Lender and Digital Asset Service Provider, any participants whose cumulative deposits exceed a certain level are mandatorily subjected to KYC verification processes. Be advised that the Acumen StableDapp is expressly prohibited in OFAC-designated jurisdictions, including the United States. For a full list of prohibited jurisdictions visit our Terms of Service.
In the case of a borrower's default, the sponsoring entity would collect and liquidate the collateral pledged by the borrowing firm. Then as with ordinary repayments the funds obtained from the liquidation of collateral would then be on-ramped into stablecoins and used to repay investor's principal and interest on-chain.