XPower Banq

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XPower Banq Protocol

DeFi Lending with Locked Positions, Lethargic Governance, and Capital-Efficient Liquidation.

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What is XPower Banq?

Optionally Locked Positions

Lock your supply or borrow position for a fixed term to earn more (or pay less). Locked supply cannot be dumped during a crash, attenuating cascades by a factor of (1 − ϕ).

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Lethargic Governance

Every parameter change is bounded to 0.5×–2× per cycle and phased in asymptotically. A 10× change requires 4 months — you always have time to react.

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Debt-Assumption Liquidation

Liquidators don't need liquid capital — they just take on the victim's debt and collateral. More capital-efficient and friendlier to keepers.

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Log-Space TWAP Oracle

Geometric-mean temporal averaging with bidirectional spread computation. Two-tick flash-loan immunity, ~40 hours of sustained manipulation needed for 90% deviation.

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Beta-Distributed Caps

Sybil capacity gain rate-limited to O(√n). Patient attackers can still accumulate, but no one monopolises the pool overnight.

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Composable by Design

Supply and borrow positions are ERC20s. Vaults are ERC4626. An optional WSupplyPosition ERC4626 wrapper integrates cleanly with the broader DeFi stack.

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Defaults you can read in one line ​

The protocol ships at 66.67% LTV with a 50% over-collateralisation buffer, a ±10% interest rate spread, and an oracle decay of α = 0.944 (12-hour half-life). These defaults are reachable down to a 33% conservative floor in one lethargic cycle — and at that floor, Monte Carlo simulation shows zero bad debt even for a 50% crash.

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