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Overview

The Lending Vault (LendingVault.sol) is the engine of the Manteia Protocol. It pools liquidity from lenders (Suppliers) and algorithmically allocates it to borrowers (FlowNFTs) based on strict risk criteria.

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Mechanics

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1. Supply & Capital Efficiency

Lenders deposit stablecoins (USDC) into the Vault.
  • Idle Capital: Funds not currently lent out are not left wasted. They are routed to trusted yield-bearing strategies (e.g., Ondo Finance USDY) to maintain a baseline “Risk-Free” rate.
  • Active Capital: When a valid FlowNFT is minted, the Vault swaps/withdraws necessary liquidity to purchase the NFT.

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2. Auto-Allocation

The Vault does not rely on human credit committees. allocation is determined by ZK Risk Scoring. 
function purchaseFlowNFT(uint256 tokenId, uint256 amount, bytes calldata proof) external {
    // 1. Verify ZK Proof matches Protocol Risk Parameters
    verifier.verify(proof);
    
    // 2. Check Risk Score Threshold
    require(riskScore > minRiskScore, "Risk too high");
    
    // 3. Execute Purchase
    usdc.transfer(borrower, amount);
    flowNft.transferFrom(borrower, address(this), tokenId);
}

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3. Yield Distribution

The Vault acts as an index of revenue streams. Lenders own a share of the Vault (represented by LP tokens). As FlowNFTs pay back interest, the value of the LP token appreciates.
  • Diversification: A single lender’s deposit is spread across dozens or hundreds of businesses, minimizing the impact of any single default.