Futures Pool

Problem Statement

FuturePools is a decentralized lending protocol that blends DeFi flexibility with real-world accountability. Lenders create escrow-backed contracts by defining token amounts and settlement timelines, while borrowers participate by contributing collateral and partial upfront payments in PYUSD. All escrows are denominated in PYUSD, with prices secured through Pyth oracle feeds. Identity verification via SELF ensures only verified users can borrow, addressing fraud and multi-account risks without compromising decentralization. By anchoring settlements in stable collateral, FuturePool creates a trust-minimized way for lenders to protect their principal while giving borrowers transparent terms and fair repayment structures.

Solution

We built FuturePools by combining decentralized lending contracts with verifiable identity and secure pricing oracles. For identity, we used the SelfXYZ protocol to prove unique human presence and prevent fraud. A key challenge was how to enforce blacklisting without compromising privacy: we initially considered requiring passport disclosure but rejected it. Instead, we implemented a workaround where a hashed passport number is emitted and stored on Sepolia contracts through our escrow system—this way, users remain private while still being accountable. For asset pricing, our contracts integrate with Pyth Network oracle feeds, which allow lenders and borrowers to denominate all escrows in PYUSD and settle them at reliable token conversion rates. We aimed to support cross-token swaps by integrating 1inch Fusion+, but since it required a mainnet setup and the hackathon timeframe was limited, we postponed it. On the development side, we wrote core contracts for staking, escrow, and escrow-factory creation. Due to time limits, we couldn’t fully wire up all contract integrations, but the architecture is extensible and ready for further development. For the frontend, we built with Next.js, Wagmi, and common Web3 libraries, creating a simple interface to let users stake funds, verify identity, and interact with escrow contracts.