DeFi lending,
distilled.
A lending protocol with the discipline of a Swiss river. Ethereum mainnet only. No bridges. No exotic collateral. Reviewed every day by autonomous AI agents that don't sleep.
A river. Not a maze.
DeFi has become a system of bridges, wrappers, and liquid-staking-of-liquid-staking. Every additional layer is a new place where things can break — and history shows they do.
aare is the antidote. We lend and borrow on a single chain. We hold a single class of collateral: native, unwrapped, non-rehypothecated assets. We accept LRTs only at conservative LTVs that survive the worst depeg we can imagine.
The Aare flows clean from glacier to lake. We thought a lending protocol could too.
And because security is a discipline of attention, we keep ours sharp with autonomous AI reviewers — agents that audit positions, monitor oracles, and surface risks to a human council every single day.
The Aare
Switzerland's longest river entirely within its borders. It rises in the Bernese Alps, cuts through Bern in a famous emerald loop, and joins the Rhine 295 kilometers later — never leaving the country.
Four headwaters.
Nothing else.
Every design choice is a constraint we volunteered for. The point isn't to be the most flexible lending protocol — it's to be the most predictable one.
Ethereum L1, only.
Mainnet is the most-attacked, most-audited execution environment that has ever existed. We chose hardness over throughput. No rollup tail risk.
No bridges.
Bridges have lost more user funds than every smart contract bug combined. We don't use them, integrate them, or accept tokens that depend on them.
LRTs at minimal LTV.
Restaking is a frontier. We don't refuse it — we contain it. Liquid restaking tokens are accepted at deliberately conservative loan-to-value ratios that survive a 30% depeg.
AI-reviewed, daily.
Autonomous agents simulate liquidations, replay oracle deltas, fuzz-test parameters, and file a public report every 24 hours. Risk is a thing you watch, not a thing you set once.
An always-on council.
Four specialized agents work the protocol in shifts. They don't replace human governance — they brief it. Every signal below is real, on-chain, and timestamped.
-
RHReusshealth-factor monitor — flags positions trending toward liquidation, simulates 1h / 24h / 72h price paths.awake
-
LZLimmatoracle integrity — cross-checks price feeds against five independent venues, halts markets on divergence.awake
-
RNRhôneparameter fuzzing — perturbs every market knob in shadow mode to surface fragile configurations before they ship.awake
-
INInndaily auditor — files a signed report at 09:00 CET. Public, append-only, in plain English.awake
Eight assets. Every one, native.
The list is short on purpose. Each market has been individually risk-scoped — collateral parameters, oracle redundancy, and a per-asset agent review schedule.