Credit Account
At the core of Moar Market lies the Credit Account — a composable, user-owned smart contract account that acts as a personal portfolio. Each Credit Account is capable of holding multiple assets, borrowing from multiple pools, and interacting with integrated strategies — all under strict solvency constraints.
🔑 Key Properties
User-owned: Each Credit Account is uniquely tied to a user but exists independently as an on-chain resource account.
Multi-asset: It can hold balances of any supported token simultaneously.
Multi-pool: A single account can borrow from several lending pools concurrently.
Isolated: Users can open multiple Credit Accounts, each with its own state, strategy, and risk profile.
Composability-first: All protocol interactions — deposits, borrows, withdrawals, strategy entries — go through the Credit Account.
⚙️ How It Works
Initialization A user creates a Credit Account via Moar’s Credit Manager module. This creates an on-chain resource account tied to their address.
Asset Management Users can deposit any supported asset into their account. These assets can later be used for borrowing or deployed to strategies.
Borrowing The Credit Account can borrow from any lending pool, provided the account remains solvent under the configured LTV rules.
Strategy Interactions Assets within the account can be deployed to integrated DeFi strategies like Hyperion, Panora, and Thala, while preserving health guarantees.
Lifecycle Control Users can repay loans, withdraw assets, or close their Credit Account entirely, assuming all debts are settled.
📏 Constraints
All outbound operations (borrow, withdraw, transfer, strategy exit) are gated by a health check, ensuring the Credit Account remains solvent at all times.
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