OTL Assets are real world assets such as listed shares and real estate mortgages. This means they don't have the same dependencies on crypto to generate returns.
Handling borrower defaults in the real world usually requires manual (ie centralised) enforcement. The OTL manages this automatically via smart contracts.
By working with tokenised listed shares of some of the largest companies in the world (Apple, Tesla, Facebook) we are tapping into liquid markets far greater than on-chain counterparts.
Income generated by the underlying assets is always greater than APY paid by the OTL, ensuring an overcollateralized position for lenders.
|Institution||Programmatic Liquidation||Assets Type||Fixed APY Rate||Quality of Assets|
|OTL||Yes||Real World||Yes||Apple, Tesla, Facebook stock|
|Defi Money Market||No||Real World||Yes||Used car loans|