Smart Contracts Overview

Crowd.Credit's on-chain infrastructure consists of four core smart contracts deployed on Ethereum and supported L2 networks. All contracts are upgradeable via UUPS proxy pattern and governed by a multi-sig.

Contract Architecture

                    OracleReader
                    (Price Feeds)
                         |
User Wallet ----> DepositVault ----> YieldRouter
                         |                |
                         v                v
                    CreditEscrow     [Aave/Compound/Lido]

Core Contracts

Contract	Purpose	Key Functions
DepositVault	Hold user deposits as collateral	`deposit()`, `withdraw()`, `getBalance()`
YieldRouter	Route deposits to yield strategies	`allocate()`, `harvest()`, `rebalance()`
CreditEscrow	Manage credit draws and repayments	`draw()`, `repay()`, `liquidate()`
OracleReader	Aggregate price feeds for valuations	`getPrice()`, `getHealthFactor()`

Security

Audits

All contracts have been audited by independent security firms. Audit reports are available in the public repository.

Access Control

Owner: Multi-sig wallet with timelock for upgrades
Operator: Platform backend for automated operations (yield harvesting, liquidations)
User: Individual wallet holders for deposits/withdrawals

Emergency Controls

pause() -- Halts all contract operations in case of emergency
emergencyWithdraw() -- Allows users to withdraw deposits even when paused

Deployed Addresses

Contracts are deployed on the following networks:

Network	Status
Ethereum Mainnet	Pending
Polygon	Pending
Arbitrum	Pending
Base	Pending
Optimism	Pending

Contract addresses will be published here after mainnet deployment.

Contract Architecture​

Core Contracts​

Security​

Audits​

Access Control​

Emergency Controls​

Deployed Addresses​

Next Steps​