Humane Banque

Problem Statement

Humane Banque is afixed-term lending protocolthat uses World ID verification to create a Sybil resistant lending marketplace. The protocol offers fixed maturity dates (30, 90, 180 days) for loans withinterest rates determined through auction-based price discovery.Key features:Fixed loan terms with predictable maturity datesZK Blacklisting mechanism for loan defaultersAuction-based interest rate discovery without token subsidiesOver-collateralization for risk managementIntegration with Worldcoin's MiniKit for seamless verificationMandatory World ID verification for all participantsThe protocol addresses common DeFi lending issues byeliminating duration mismatchrisk through fixed terms and creating sustainable economicswithout requiring token emissions or subsidies.

Solution

Built using World MiniKit The core protocol is implemented as a Uniswap V4 hook (AuctionRepoHook) written in Solidity, leveraging Uniswap's infrastructure for efficient collateral liquidation.Authentication uses NextAuth.js with Worldcoin integration for proof-of-humanity verification. The verification flow uses World ID's ZK proofs to ensure real humans while maintaining privacy through nullifier hash tracking.Smart contracts are developed with Solidity 0.8.20 and OpenZeppelin's security patterns. The project utilizes Hardhat for contract deployment and Ethers.js for blockchain interactions.