4.4 ARK Loan Module | ARK Lending (Collateralized Lending System)

I. Module Positioning: An On-Chain Lending Engine That Transforms Backing Price into a "Credit Unit"

ARK Loan is a native lending module designed based on the protocol's internal Backing Price. It doesn't rely on market prices, volatility assessments, or oracles, but instead uses the treasury's actual asset value as trust endorsement, creating a fully verifiable, secure, and controllable lending system.

This design shifts from "value measurement" to "value release."

At ARK:

• Every loanable fund uses the backing price as its upper limit

• Every ARK's financial release potential derives from the treasury's redeemable asset support

• Each collateralized loan serves as a value mechanism verification rather than risk amplification