loans state

Denom

Denom is the only asset this realm accepts.

MaxFeeBps

MaxFeeBps is the hard protocol-fee cap: 1000 bps = 10%.

LoanActive

Loan status values. Repaid and Defaulted are terminal.

LoanRepaid

Loan status values. Repaid and Defaulted are terminal.

LoanDefaulted

Loan status values. Repaid and Defaulted are terminal.

MinPrincipal

Input bounds.

MaxPrincipal

// 1,000,000 GNOT

MaxRateBps

Input bounds.

MinInstallments

Input bounds.

MaxInstallments

Input bounds.

MinPeriodBlocks

Input bounds.

MaxPeriodBlocks

Input bounds.

MaxLoansPerLender

Input bounds.

RenderLimit

Input bounds.

loan

admin

pendingAdmin

feeRecipient

feeBps

// snapshotted into NEW loans

self

nextID

loans

// padID(id) -> \*loan

lenderNum

// lender.String() -> \*int64, stored loans

ledger

init.24

Open

Open funds a loan: the caller (the lender) attaches the principal, which is disbursed to borrower in this same transaction, and the loan is recorded with a flat finance charge of rateBps of the principal, repayable over \`installments\` installments of \`periodBlocks\` blocks each. The current protocol fee is snapshotted in. Returns the loan id.

Claim

Claim sends amount ugnot of the caller's claimable balance (repayments collected on their loans, net of the protocol fee) back to the caller.

ClaimAll

ClaimAll sends the caller's entire claimable balance back to the caller.

Repay

Repay pays toward the caller's own loan. The caller must be the loan's borrower; the attached amount must be positive and must not exceed the outstanding balance. The payment credits the lender's claimable balance (the protocol fee splitting off at the ledger); when the cumulative repaid equals the total, the loan is Repaid. Repaying ahead of schedule is allowed.

Default

Default marks an active loan defaulted once it is past its grace window — the final installment's due height plus one more period — and not repaid in full. Permissionless by design: no loan's terminal state may depend on either party acting. No coins move; the shortfall is recorded.

SetFeeBps

SetFeeRecipient

WithdrawFees

SweepDenom

SweepDenom recovers out-of-band coins to the fee recipient. For the ledger denom the reserve is Liabilities() — lender balances and the fee pot are structurally unreachable.

TransferAdmin

AcceptAdmin

LoanInfo

InstallmentAmount

InstallmentAmount is the per-installment amount: ceil(total/installments), with the rounding remainder carried on the FINAL installment so the installments sum to exactly the total.

Outstanding

Outstanding is total − repaid.

ScheduledDue

ScheduledDue is the cumulative amount that should have been repaid by the current height: the sum of every installment whose due height has passed, capped at the total. Installment k (1-based) is due at start + k·period.

AmountDueNow

AmountDueNow is how far behind schedule the borrower is right now: ScheduledDue − repaid, floored at zero (a borrower who has prepaid is not behind).

DefaultableAt

DefaultableAt is the height at or after which an unpaid loan may be Defaulted: the final installment's due height plus one grace period.

IsDefaultable

IsDefaultable reports whether the loan may be Defaulted right now.

HasLoan

LoansOf

Admin

PendingAdmin

FeeRecipient

FeeBps

NumLoans

ClaimableOf

FeesAccrued

Liabilities

Held

Address

Height

scheduledDue

scheduledDue is the cumulative amount owed by \`now\`: k installments' worth where k is how many installment due-heights have passed, capped at total.

defaultableAt

defaultableAt is the final installment's due height plus one grace period.

mustLoan

assertNoSend

counter

ceilDiv

ceilDiv returns ceil(a/b) for positive b; a,b assumed non-negative and b>0 (installments >= MinInstallments >= 1).

addChecked

mulChecked

mulDivChecked

mulDivChecked returns floor(a\*b/d) without overflowing on the intermediate product, by dividing before multiplying where it can and checking the product otherwise. Here d is 10000 and a,b are bounded, so the simple checked product suffices; the helper names the intent and guards it.

padID

itoa

Render

renderHome

renderLoan

hasPrefix