Templar Protocol
Chain-agnostic overcollateralized lending
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About Templar Protocol
Templar Protocol is an overcollateralised lending protocol built on NEAR. Borrowers pledge native assets such as bitcoin, ether or Stellar-based tokens and draw stablecoins, with collateral routed into NEAR through NEAR Intents rather than wrapped tokens or bridges. Cross-chain lending has been constrained by custodian and bridge risk; Templar holds collateral addresses on each chain through NEAR's multi-party computation network and Chain Signatures, and liquidators repay the borrow asset in exchange for collateral at a discount capped per market. Each market is an isolated, immutable contract pairing one collateral asset with one borrow asset; rates follow a utilisation curve, and prices come from Pyth and RedStone feeds with circuit breakers.
On 1 April 2026 the protocol opened a market on Stellar accepting tokenised Treasury paper issued by Centrifuge and Etherfuse as collateral. By October 2026 it was deployed across 11 chains including Stellar, Ethereum, Bitcoin, NEAR, Zcash and the XRP Ledger, with about 32 million US dollars in total value locked, 12 million in outstanding loans and Stellar accounting for roughly 40 percent.
On April 1, 2026, Templar Protocol launched lending markets on Stellar for six freely transferable RWAs, including Centrifuge and Etherfuse instruments, letting users post XLM or RWA collateral and borrow USDC across chains while collateral stays on its native chain without wrapping or bridging; that Stellar market has grown to roughly $22.99 million in TVL. Zcash-backed borrowing (Zypher Lending) also went live, letting ZEC holders borrow stablecoins on Solana.
During 2026 Templar Protocol's collateral expanded from BTC to XLM, ZEC, tokenized Treasuries and CLOs, with isolated money markets that let new assets be listed without governance votes and limit contagion from any single asset.
Templar Protocol's published roadmap targets 20+ supported chains in 2026, including Polkadot, Avalanche and Aptos, plus fixed-rate loans, curated vaults, wallet-less onboarding and Franklin Templeton's Benji as borrowable collateral; on privacy it plans shielded assets, differential privacy and ZK smart contracts, a Zashi wallet integration for shielded ZEC, and integrations with prime brokers and wallet providers.
Royal F00l — Co-founder & CEO; a pseudonymous cypherpunk who initiated Templar Protocol, focused on Bitcoin-collateralized lending via MPC and open-source contracts.