DEFI

Debt Instrument Object

A tokenized debt contract (DIO) representing a loan agreement, repayment schedule, and collateral terms, all encoded as an on-chain NFT.

The Debt Instrument Object (DIO) is the atomic unit of credit in the RENSNCE ecosystem. Unlike a traditional loan document locked in a bank vault, a DIO is a living, tradeable smart contract. It can be fractionalized, sold into secondary markets, or used as collateral for further borrowing. The Underwriter AI assesses each DIO before minting, ensuring only creditworthy obligations enter the Reserve.