The loan lifecycle in SLAI follows a clear and secure on-chain process. Every lending transaction is governed by smart contracts, priced in real-time from on-chain liquidity, and protected by liquidation logic. Below is a detailed breakdown of each stage of a typical SLAI loan.

1. 🔐 Locking Collateral

The user begins by locking a supported ERC-20 token into the SLAI protocol.

• The token must be approved by oscAI.

• The amount is recorded and held in the CollateralVault.

• The token price is calculated using its WETH trading pair.

Example: User locks 100,000 $PEPE tokens. SLAI calculates the on-chain WETH value and confirms total USD worth.

2. 📊 Real-Time Price & Risk Assessment

SLAI uses the current reserves from Uniswap-style WETH pools to calculate the token's price.

• Price = (WETH reserves / token reserves)

• No oracles — price is computed fully on-chain.

• Risk score based on:

  • Volatility history

  • Depth of liquidity

  • Historical price swings

Result: SLAI determines the max LTV (Loan-to-Value), up to 50%.

3. 💸 ETH Loan Disbursement

Based on the collateral's value and risk rating, SLAI issues a loan in ETH directly to the user.

• Borrowed ETH = token value × LTV

• Sent to user wallet instantly

• Loan is recorded with timestamp

Example: Collateral worth $2,000 → SLAI approves 30% LTV → user receives $600 in ETH

4. ⏳ Loan Period

There is no fixed repayment deadline. However, the longer a loan is open, the higher the chance of price fluctuation and liquidation.

• Repayment can happen anytime

• User retains full view of loan status via the SLAI Web App or Telegram Bot

5. 🔁 Repayment

To unlock the collateral, the user must repay:

• 100% of borrowed ETH

• 5% flat interest

• OR 0% if user has staked ≥50,000 SLAI tokens

Upon successful repayment:

• Tokens are released back to the user

• Loan status is closed

6. 🔥 Liquidation Logic

If the token's value drops by 40% or more:

• SLAI triggers auto-liquidation

• Tokens are sold on-chain to recover the loaned ETH

• Protects ETH liquidity and prevents protocol insolvency

Liquidation can be triggered by:

• SLAI keeper bots

• Manual execution from the LiquidationModule

🧠 Lifecycle Summary

Every SLAI loan is built to be secure, fast, and fully transparent — optimized for on-chain traders who demand efficiency and control.

Smart Lending AI (SLAI) is a decentralized lending protocol purpose-built for the fast-paced, high-volatility world of on-chain trading. Whether you're buying into a new memecoin launch, flipping low-cap gems, or navigating the DeFi landscape with precision, SLAI gives you the one thing every trader needs: ETH liquidity — without having to sell your tokens.

Why SLAI Exists

Most DeFi lending protocols today are designed for passive capital or large-scale asset management. They focus on stablecoin loans, rely on off-chain oracles, and often exclude the tokens that most on-chain traders interact with daily. SLAI is different.

We’re building a system for:

• Altcoin snipers and memecoin traders

• DEX-native users who need immediate liquidity

• Anyone who holds volatile tokens but lacks ETH to keep trading

SLAI allows you to lock your tokens and borrow ETH instantly — fully on-chain, non-custodial, and without selling your position.

Core Features

• 🧠 Real-Time On-Chain Pricing: SLAI calculates token prices directly from WETH liquidity pools, eliminating the need for centralized oracles.

• 🛡️ oscAI Token Verification: Only tokens approved by our partner OSCA’s audit system (oscAI) can be used as collateral.

• 💸 Instant ETH Borrowing: Borrow up to 50% of your token’s USD value in ETH based on liquidity and volatility.

• 🔁 Flat Interest Model: Pay just 5% interest on borrowed ETH — or 0% if you're staking 50,000+ SLAI tokens.

• ⚙️ Fully On-Chain Execution: Every loan, repayment, and liquidation is enforced through smart contracts — trustless and transparent.

• 🔐 Hybrid Lending Options: Choose between fully public contract-based lending or private deals via oscaBlend.

Who SLAI is For

SLAI is not a generic DeFi tool. It’s tailored for those who:

• Trade actively and frequently

• Don’t want to sell their bags for ETH

• Want access to gas and liquidity on short notice

• Operate fully on-chain without intermediaries

If you’ve ever held a token worth $1,000 but couldn’t trade because your ETH balance was empty — SLAI was built for you.

Built for the New On-Chain Generation

SLAI is more than a lending tool — it’s an infrastructure layer for the new breed of DeFi traders. It gives you the flexibility to act fast, stay liquid, and maintain exposure — all while staying secure and decentralized.

With powerful partners like OSCA and full integration of oscAI for collateral verification, SLAI is built to scale — responsibly, securely, and transparently.

Web App Launch: July 2025

Smart Lending AI (SLAI) is powered by a modular, secure, and upgradeable set of smart contracts. Each component is built to handle a specific part of the lending lifecycle — from collateral management to loan issuance, liquidation, and token eligibility.

Below is an in-depth breakdown of the architecture.

🏗 Contract Overview

🔒 CollateralVault

• Receives and locks ERC-20 tokens from users

• Tracks who deposited what, how much, and when

• Prevents double-borrowing or withdrawal before repayment

Security: Uses access control to ensure only LendingEngine can unlock funds.

💸 LendingEngine

• Core logic for loan value calculation

• Uses on-chain WETH pool data to determine token price

• Applies risk-adjusted Loan-to-Value (LTV) ratios

• Transfers ETH to borrower wallet

Key Feature: Borrowed ETH is tracked per user with timestamps for monitoring duration and eligibility.

🔥 LiquidationModule

• Constantly compares token value (WETH pair) with loan threshold

• If price drops by 40% or more, triggers liquidation

• Liquidation may involve selling tokens to recover ETH

• Protects protocol solvency

Trigger Mechanism: Can be automated via keeper bots or transaction hooks.

🛡 oscAIAdapter

• Pulls token approval status from OSCA’s audit system

• Ensures only pre-vetted tokens can be used as collateral

• Regularly syncs whitelist updates

Logic: Loan function reverts if token is not approved via oscAI.

🪙 SLAIToken

• Native ERC-20 token of the SLAI ecosystem

• Required for interest-free lending (≥50,000 tokens staked)

📊 StakingModule

• Allows SLAI holders to stake tokens

• Tracks user staking balance

• Enables 0% interest tier for qualifying users

• Emits staking events for frontend tracking

Design: Optimized for gas efficiency and batch staking.

🧩 Extensibility & Upgradeability

All core contracts are designed to be modular and upgradeable via proxy architecture (e.g. OpenZeppelin UUPS or Transparent Proxy). This allows:

• Feature expansion

• Integration with new collateral types

• Security patches without contract redeployment

🔐 Security Considerations

• Access controls via Ownable or AccessControl

• Reentrancy protection

• Price manipulation resistance

• Full audits before mainnet deployment

SLAI’s architecture is designed with one goal: capital-efficient, secure, and scalable on-chain lending for every trader.

Smart Lending AI (SLAI) is a decentralized lending platform that allows users to borrow ETH against their token holdings — without selling them. This is especially useful for active traders who want to maintain exposure to altcoins or memecoins while accessing ETH for further trades, mints, or gas fees.

Below is a comprehensive breakdown of the SLAI process, including examples and risk handling.

🔁 Step-by-Step Process

1. User Locks an Approved Token

The user selects a supported ERC-20 token that has been approved by oscAI (our AI-based token vetting partner). They then lock a certain amount of that token into the SLAI smart contract.

Example: Alice holds 10,000 $XYZ tokens, currently worth $0.10 each = $1,000 total.

She wants to keep $XYZ for potential upside, but needs ETH to trade.

2. On-Chain Price Calculation

SLAI calculates the token’s value directly from its WETH liquidity pair on-chain (e.g., via Uniswap pool). This provides a reliable, real-time price without relying on external oracles.

• No centralized feeds

• Resistant to manipulation

• Always up-to-date

Example Calculation: The WETH/$XYZ pool indicates 1 WETH = 10,000 $XYZ → Therefore, 1 $XYZ = 0.0001 WETH → 10,000 $XYZ = 1 WETH = ~$4,000 (example ETH price)

3. Volatility & Liquidity Check

SLAI performs risk scoring:

• If the token is highly volatile, max borrowing may be 20–30%.

• If the token is stable and liquid, borrowing may go up to 50%.

Result: Alice’s $XYZ passes the check with moderate volatility and good liquidity. SLAI allows her to borrow 25% of her token’s value.

4. ETH Loan Issued

ETH is sent to the user instantly, fully on-chain.

Example: Alice receives 0.25 WETH (25% of her $1,000 token value).

She can now use that ETH for:

• Sniping new tokens

• Paying gas fees

• Yield farming

5. Repayment

To unlock her tokens, Alice must repay:

• The borrowed ETH

• • 5% interest (or 0% if she is staking 50,000+ SLAI tokens)

Repayment Example: If she borrowed 0.25 ETH, she must repay 0.2625 ETH. If staked, she repays only 0.25 ETH.

6. Automatic Liquidation (if needed)

If the token value drops by 40% or more, SLAI triggers liquidation:

• The token is sold for ETH

• The protocol recovers the outstanding loan

• Excess ETH is retained in the protocol

This ensures system-wide solvency and discourages over-risky positions.

🧠 Why It Works

• Fully on-chain — no trust required

• Instant liquidity for fast DeFi decisions

• Protects upside while freeing up ETH

• Eliminates need to sell tokens just to keep trading

🛠 Smart Contract Involvement

• CollateralVault: stores locked tokens

• LendingEngine: calculates value, disburses ETH

• LiquidationModule: monitors for price drops

• oscAIAdapter: filters which tokens are allowed

🔁 Quick Recap Example

1. You lock $PEPE worth $2,000

2. SLAI gives you $500 in ETH

3. You repay $525 (or just $500 if staked)

4. You get your $PEPE back

You kept your bag, stayed liquid, and didn’t miss the next trade.

Smart Lending AI makes this simple, secure, and optimized for every serious DeFi trader.

Smart Lending AI is designed for active on-chain users who need fast, flexible liquidity without selling their tokens. Below are the most common and impactful use cases.

1. 🔁 Trading Without Selling

You just bought a promising low-cap token. You’re confident it will moon — but now you’re out of ETH to enter the next opportunity.

With SLAI:

• Lock your token as collateral

• Instantly borrow ETH

• Continue trading without exiting your position

Ideal for:

• Altcoin snipers

• Memecoin flippers

• Launchpad participants

2. ⛽ ETH for Gas and Minting

Frequent transactions in DeFi require ETH for gas. Mints, swaps, liquidity adds — they all cost ETH.

With SLAI:

• Lock your assets

• Borrow a small amount of ETH

• Use it to cover operational costs

• Avoid unnecessary token sales

3. 🧠 Leveraging High-Convection Positions

You're holding a token that you're confident will perform well — but you also want to stay active in the market.

With SLAI:

• Extract up to 50% of its value in ETH

• Stay exposed to upside

• Recycle ETH into other positions

This is not leverage trading — it’s strategic liquidity unlocking.

4. 📉 Avoiding Premature Sales

Selling a token too early to free up ETH can result in lost upside. SLAI lets you keep your position while still gaining liquidity.

Example: You hold $DOGE, but you want to enter $PEPE. Instead of selling $DOGE, lock it and borrow ETH to enter $PEPE.

5. 📱 Wallet-Free Lending via Telegram

No wallet connection? No problem.

SLAI supports lending directly through our Telegram Bot. Users can lock, borrow, and repay using secure off-chain authorization workflows.

Perfect for:

• Traders on mobile

• Users without browser wallets

• Fast access to on-chain liquidity without app switching

6. 🛡 For SLAI Token Stakers

Stakers of ≥50,000 SLAI tokens get 0% interest lending — permanently. This enables high-frequency use of SLAI without cost overhead.

Staking makes SLAI a powerful tool for capital-efficient DeFi operations.

Summary

SLAI is built for people who move fast in DeFi — and never want to sell early again.

Smart Lending AI (SLAI) is being built with long-term scalability, composability, and security in mind. Below is an overview of our major milestones — completed, in progress, and planned — as we bring next-generation on-chain lending to the broader DeFi ecosystem.

✅ Phase 1: Foundation & Prototype (Q1–Q2 2025)

• 🔬 Research into token-based lending models

• 🧠 oscAI integration architecture & whitelist logic

• 📦 Deployment of virtual Ethereum Mainnet container

• 🧪 Full prototype testing with real tokens (no gas fees)

• 🔐 Security model for token price calculation via WETH pairs

• 🤝 OSCA partnership and oscAI integration agreement

🚧 Phase 2: Infrastructure Rollout (June 2025)

• 📄 Smart Contract Audit (June 12)

• 🧾 Full technical documentation release

• 🌐 Website revamp with interactive interface

• 🔗 SLAI Core Contracts deployed to Ethereum Mainnet

• 🧩 Token eligibility synced with oscAI oracle

• 🔐 Risk scoring logic activated (LTV based on volatility/liquidity)

🚀 Phase 3: Product Launch (June–July 2025)

• 📆 June 30: SLAI Web App public launch

• 💼 Telegram Lending Bot release

• 🧱 Support for 50+ tokens at launch

• 📈 Staking Module launch (0% interest with ≥50,000 SLAI)

• 📊 Live dashboard for loan tracking

🧭 Phase 4: Expansion (Q3–Q4 2025)

• 🌍 Multi-chain expansion (Arbitrum, Base, zkSync)

• 🧪 Dynamic interest rates based on risk tiers

• 🛡 Liquidation auctions module (optional)

• ⚙ Permissionless token listing with AI-backed filters

🔮 Future Vision (2026+)

• 📱 SLAI Mobile App (wallet-free lending)

• 🧠 On-chain volatility prediction engine using ML

• 🌐 SLAI Developer SDK & APIs

• 💸 Pooled lending & LP strategies

• 🧰 Custom lending markets per token type

SLAI is being built for long-term value and real-world DeFi utility — not hype cycles. Every step is measured, tested, and designed to support scalable and responsible growth.

Stay updated: https://slai.ai | Telegram

This documentation and the associated Smart Lending AI (SLAI) protocol are provided for informational purposes only. By interacting with SLAI or reading this material, you acknowledge and accept the following:

⚠️ No Financial Advice

SLAI is not a bank, not a financial advisor, and not a licensed investment platform. All actions taken using the SLAI protocol are entirely at the user's discretion and risk. Nothing in this documentation constitutes financial, legal, or tax advice.

🔐 Use at Your Own Risk

SLAI is an experimental, decentralized smart contract system. Although we follow best practices and audit our contracts, risks remain:

• Smart contract bugs or exploits

• On-chain price manipulation

• Liquidation losses due to market volatility

• Loss of private keys or wallet access

By using SLAI, you agree that you are solely responsible for your assets and your decisions.

🧠 No DAO or Governance

SLAI is not governed by a DAO and does not implement governance voting or community-led decision-making. All protocol rules are defined in code and controlled by the core development team.

🌐 Jurisdiction & Regulation

Users are responsible for ensuring their use of SLAI complies with local laws and regulations in their jurisdiction. SLAI does not restrict access by geography but does not guarantee legal compliance globally.

💡 Open-Source Protocol

SLAI is released as open-source software under the MIT License. You are free to inspect, use, fork, or extend the code, but do so at your own risk.

📘 For Developers & Users

This documentation is intended to assist users, integrators, and developers in understanding the protocol. It may contain errors, change over time, or be updated without prior notice.

Use responsibly. Stay informed. Never invest more than you can afford to lose. For questions, reach out to: https://t.me/slai_defi

Welcome to the Smart Lending AI FAQ — here you'll find clear, concise answers to the most common questions from our community and users.

❓ What is SLAI?

Smart Lending AI (SLAI) is a decentralized lending platform that lets users lock approved tokens and borrow ETH instantly — without selling. It uses real-time WETH pair pricing and AI-based risk logic to make lending safer and more flexible for on-chain traders.

❓ How much can I borrow?

You can borrow up to 50% of the USD value of your token, depending on its volatility and liquidity. High-volatility tokens = lower LTV High-liquidity tokens = higher LTV

❓ What is the interest rate?

SLAI charges a flat 5% interest on all loans. However, if you stake 50,000+ SLAI tokens, you pay 0% interest — permanently.

❓ How are token prices calculated?

SLAI does not use centralized oracles. It calculates token prices on-chain using real-time reserve data from WETH liquidity pairs (e.g., Uniswap V2/V3).

❓ What happens if I don’t repay?

If your token drops 40% or more in value, SLAI will automatically liquidate your position. This means your collateral is sold to repay the loan and protect the protocol.

❓ Can I use SLAI on mobile?

Yes. SLAI supports mobile interaction via a dedicated Telegram Lending Bot, allowing you to borrow ETH and manage loans without connecting a browser wallet.

❓ Is SLAI audited?

Yes. The core contracts will be audited and published ahead of our mainnet launch on June 30, 2025.

❓ Which tokens are supported?

Only tokens that are approved via oscAI, our audit intelligence partner, are eligible. This ensures the collateral is liquid, legitimate, and safe to support.

❓ What’s the difference between Smart Contract Lending and oscaBlend?

• Smart Contract Lending: Fully on-chain, public, automated.

• oscaBlend: A private lending channel with custom terms and off-chain negotiation, but enforced on-chain.

❓ Can I stake SLAI tokens?

Yes! By staking at least 50,000 SLAI, you get:

• 0% interest on loans

• Access to exclusive features

More resources and guides will be published soon in our GitBook and developer portal.

Empowering On-Chain Traders with Instant Liquidity

At Smart Lending AI (SLAI), our vision is to create a decentralized liquidity layer for the next generation of DeFi users — not just for institutional capital, but for every active trader navigating volatile, real-time markets.

We believe that:

• Traders shouldn't be forced to sell their tokens just to access ETH.

• Lending protocols should be optimized for on-chain behavior, not legacy finance.

• Liquidity should be fast, flexible, and automated — without sacrificing safety or decentralization.

The Gap We’re Filling

Today’s DeFi landscape is filled with powerful tools for staking, farming, and passive lending. But what about the on-chain sniper, the memecoin hunter, or the low-cap scalper?

These users operate fast. They rotate positions constantly. And they often hold valuable tokens — but no ETH to move further.

SLAI gives them that ETH — without forcing them to exit positions.

A New Lending Standard

SLAI is building a new lending standard that is:

• 🔁 Real-Time: Instant ETH liquidity calculated on-chain

• 🧠 AI-Enhanced: Risk scoring through oscAI ensures token safety

• 🔓 Flexible: Public smart contract lending + private oscaBlend offers

• 🧰 User-Friendly: Telegram Bot access, 0% interest for stakers, simple repayment logic

We are not just a protocol — we are an enabler of DeFi liquidity without compromise.

Looking Ahead

• We will scale across chains and support thousands of tokens.

• We will integrate deeper AI logic for real-time volatility predictions.

• We will empower users to interact with our system via Telegram, Web, and API — without barriers.

Smart Lending AI is not just about borrowing ETH. It’s about unlocking freedom of movement in DeFi.

Join us in building the liquidity layer for the on-chain world.