> For the complete documentation index, see [llms.txt](https://permapod.gitbook.io/home/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://permapod.gitbook.io/home/readme.md).

# Introduction

<figure><img src="/files/yzM7YML7kLprfc8bqZ4k" alt=""><figcaption></figcaption></figure>

#### What is Permapod?

[Permapod](https://permapod.xyz) is a non custodial DeFi protocol built on [Zigchain](https://zigchain.com/), part of the Cosmos ecosystem. It enables users to deposit assets as collateral and borrow stablecoins or other tokens in a secure, decentralized environment.

Permapod mission is to bridge on-chain finance with Real World Assets (RWAs) — such as real estate, infrastructure, and energy plants — to create sustainable yield opportunities and expand liquidity beyond crypto-native markets.

#### Supported Assets

Permapod supports 2 categories of collateral:

1. Cryptocurrencies – available at launch to ensure instant usability and support Zigchain’s native liquidity.
2. RWAs (Real World Assets) – progressively integrated after launch. These are tokenized, income-generating assets whose listing depends on valuation, insurance coverage, and regulatory compliance.

#### Key Principles

* **Lending & Borrowing** – users can lock approved assets to borrow other tokens.
* **RWA Integration** – each RWA token is:
  * Issued by a regulated third party, not by Permapod itself.
  * Insured and periodically revalued through oracles and reserve auditors.
  * Linked to verifiable and transferable ownership rights.
* **Income Dynamics** – income from the underlying asset supports loan repayment or generates passive yield for the borrower.
* **Systemic Stability** – powered by a modular architecture featuring:
  * An automated liquidation engine.
  * Reliable oracles with fallback mechanisms.
  * Asset-specific Loan-to-Value (LTV) ratios for each RWA category.

***

<figure><img src="/files/gws4hIg7MI93S3EHwtUt" alt=""><figcaption></figcaption></figure>

#### Why Zigchain?

Permapod chose [Zigchain](https://zigchain.com/) for its structural advantages within the Cosmos ecosystem:

* IBC-native liquidity ensuring seamless cross-chain interactions.
* Modular architecture ideal for specialized DeFi applications.
* Regulatory and economic alignment with the UAE, a rapidly developing RWA hub.<br>

Zigchain benefits from a growing regulatory framework supporting DeFi experimentation. The Dubai Land Department (DLD) and VARA are establishing a national standard for blockchain-based property tokenization.

***

<figure><img src="/files/G1UJQL2z1y5O2jtqd8rL" alt=""><figcaption></figcaption></figure>

#### Roadmap

{% stepper %}
{% step %}

#### Safety ✅

Finalize smart contract audit by [Halborn](/home/safety.md#final-audit)
{% endstep %}

{% step %}

#### [Private Betatest](https://x.com/PermaPod_xyz/status/1993954274192347498) on Mainnet ✅

Closed testing phase with selected participants on Zigchain mainnet.
{% endstep %}

{% step %}

#### Public Launch ✅

Official release of the protocol for all users.
{% endstep %}

{% step %}

#### RWA Integration

Gradual listing and activation of Real World Asset markets.
{% endstep %}
{% endstepper %}


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