Every protocol parameter, reserve ratio, and fee structure is visible on-chain. NexusFi has no hidden decisions — governance is verifiable by anyone, anywhere.
Live Protocol Metrics
114.2%
Reserve Ratio
Target ≥ 100%
$1.2M
nUSD Supply
Total circulating
24%
Credit Utilization
Protocol-wide
30s ago
Last Attestation
Chainlink CRE WF1
nUSD Collateralization
Verified by Chainlink CRE Proof of Reserve (WF1) — every 30 seconds
11.4M XLM
XLM Reserve
$1.37M
USD Value
$1.2M
nUSD Supply
On-Chain Parameters
All parameters are set by community governance and enforced by Soroban smart contracts.
Reserve & Collateral
Minimum Reserve Ratio
Below this, nUSD minting is paused by Chainlink CRE WF3
100%
Warning Threshold
Risk Monitor triggers community alert
95%
Current Reserve
Verified 30s ago by CRE Proof of Reserve
114.2%
XLM Price Oracle
Median aggregated across Chainlink CRE nodes
CoinGecko
Credit Parameters
Max Credit Utilization
Protocol-wide cap; CRE triggers pause if exceeded
80%
Current Utilization
24% of total credit capacity used
24%
Credit Score Range
AI model by Chainlink CRE WF2; on-chain attestation
0 – 1000
Minimum Score for Credit
Score below Fair tier — no credit line issued
400
Fee Structure
Annual Fee
No annual card fee — ever
$0.00
Transfer Fee
On-chain Stellar transaction fee (Soroban)
0.1%
Bridge Fee
Cross-chain bridge; CRE consensus required
0.25%
Late Payment Fee
Applied to overdue credit balance automatically
1.5%/mo
Security Parameters
CRE Attestation Interval
Proof of Reserve + Risk Monitor cadence
30s
Oracle Quorum
Byzantine-fault-tolerant consensus across nodes
f+1
Multi-Sig Threshold
Protocol parameter changes require 3-of-5 signers
3 / 5
Timelock (param changes)
All governance changes delayed for community review
48h
How We Govern
Protocol changes follow a structured, transparent process. Every decision is proposed publicly, debated by the community, and enforced on-chain via multi-sig.
Proposal
ActiveAny community member can propose a protocol change. Proposals are published on-chain with full rationale, impact analysis, and proposed parameter values.
Community Discussion
ActiveA 72-hour open discussion period. Community members can comment, question, and suggest amendments. All discussion is public and permanent.
On-Chain Vote
Coming SoonVoting opens for 5 days. Token holders vote proportionally. Quorum: 10% of circulating supply. Passing threshold: 66% majority.
48h Timelock
ActiveApproved changes enter a 48-hour timelock. Community can veto with emergency multi-sig if a critical flaw is discovered post-vote.
Execution
ActiveMulti-sig executes the change on-chain. Chainlink CRE immediately adopts new parameters. All changes are fully auditable in transaction history.
Trust by Design
Security is not a feature — it's a foundation. Everything is open, verified, and auditable.
Chainlink CRE Workflows
5 live workflows on staging. WF1 (Reserve), WF2 (Credit AI), WF3 (Risk), WF4 (Privacy), WF5 (Bridge) — all source code public.
Soroban Smart Contracts
nUSD, nBRL, Credit Score, and Credit Line contracts deployed on Stellar Testnet. All open-source Rust code.
EVM Contracts (Sepolia)
ReserveAttestation, CreditScoreAttestation, RiskReport, and PrivacyCreditCheck — Chainlink Forwarder integrated.
Chainlink Privacy
WF4 uses TEE-secured computation. Only boolean eligibility results published on-chain. Credentials never stored or transmitted in cleartext.
Non-Custodial by Design
NexusFi never holds user funds. Smart contracts enforce all rules. Your passkey = your wallet. No admin override.
Bug Bounty
Responsible disclosure program coming soon. All critical findings will be publicly disclosed with full post-mortems.
NexusFi is governed by the people who use it. Open an account and become part of the community shaping the future of decentralized finance.