# Whitehole Finance Welcome to Whitehole Finance, a lending protocol for multi-assets.
> Whitehole Finance is a decentralized multi-asset lending protocol that can simply deposit, borrow, and use NFTs and crypto assets. Whitehole Finance gets its name from the idea of a "Whitehole," which is the opposite of a "black hole." A "Whitehole" is a celestial body that sends out all the matter it takes in. We wants to make a fair ecosystem for everyone, where users, protocols, and governance tokens all get a fair share of the rewards. With the Gravity Token GRV, which is made of Gravity, you can speed up your Yield. ### Sustainable DeFi Whitehole Finance is a multi-asset lending protocol that has improved the structure for distributing governance rewards in an innovative way. Whitehole Finance's Yield Boost & Tax mechanism limits the number of meaningless governance incentives that can be given out and stops tokens from losing value. This makes it possible to stop liquidity exits and long-term down cycles before they occur. According to the lockup ratio of the governance token GRV, in addition to the Loan-Deposit Margin of the deposited assets, the user will receive an actual Rebate and additional deposit asset interest boost, as in a typical lending protocol. By doing this, people who are more involved in the project ecosystem will be categorized and receive more rewards, whilst users who are less involved would be rewarded less. In short, GRV incentives are paid as rewards and are not given to all users at the same interest rate, as is the case with existing DeFi. The relative reward system is once again complemented by the tax system. This keeps the value of GRV stable and makes the protocol even more stable. ### NFT Lending NFTs can be utilized as collateral assets in Whitehole Finance. In the current Whitehole Money Market, users quickly borrow crypto assets using NFT as collateral, utilize them as long they want, and cancel the loan by promptly repaying the debt. Any Web 3.0 users will have access to Whitehole Finance, which will enable them to profit from all tokenized virtual assets. ### **Why Whitehole?** * EcoScore (veTokenomics) * Real Yield (Rebate) * Crypto & NFT Lending Whitehole Finance will become innovative DeFi that is open to all users in Web 3.0 and allows for capital activity using all tokenized assets. # Ecosystem participant Whitehole Finance is a lending protocol that creates a unified, on-chain, decentralised banking system composed of all stakeholders. All stakeholders play an important role in the protocol and are rewarded with GRV, a governance token, for their contributions and efforts. ### Supplier Depositors can participate by depositing various types of crypto assets into Whitehole Finance. Deposited assets are liquidated and used according to the terms you set, and interest is paid in return for providing liquidity. Interest includes both governance reward interest, which is paid in GRV, and deposit margin interest, which is paid in crypto. ### Borrower Borrowers can take part by lending Whitehole Finance a variety of virtual assets. Due to the requirements of the lending procedure, providing collateral is a requirement for participation. You can borrow virtual assets that suit your preferences in different money markets based on the offered collateral. Interest is paid by the borrower as a capital utilization fee. However, as a reward for your activities, you are given GRV because you helped the protocol expand by lending. ### NFT holder Depositors of NFT may borrow KLAY using NFT as collateral. Users can boost the usefulness of their NFT through NFT loans, and the loan proceeds can be re-deposited into Whitehole for farming. You are eligible to get governance compensation interest in GRV for any lending activity. ### NFT Auction Bidder The user's NFT is liquidated through an auction when the collateral value of the NFT borrower declines. Users can purchase NFTs for a bargain since auction-winning prices frequently go below the NFTs' market price. Additionally, if the borrower closes the auction, they may provide additional ETH to first-time bidders. ### GRV staker You can participate by locking up GRV, Whitehole Finance's governance token. When users lock GRV in their vaults, they receive a voting escrow, which offers various benefits and penalties based on their holdings. For example, protocol revenue is paid up to the full staking amount (rebate), and an eco-score is determined (zone). Users in high zones are exempt from taxes and benefit from higher interest rates, while those in low zones do not. Some of the taxes paid by users may be airdropped. Stakers can also participate in gauge voting, which determines the reward level of each farming pool that will be updated in the future, and in decision-making (governance) inside the protocol. # Token Flow ### GRV
### GRV usecases
# GRV Vault ### What is Vault?
A vault to lock GRV coins in and get veGRV to take part in ecosystem governance activities. The GRV tokens may be locked using "Lock GRV" for a minimum of 1 month and a maximum of 2 years, and in proportion to the quantity of veGRV gained, it acts as a dashboard where you can quickly observe the gains, benefits, and penalties produced by different parts of the ecosystem. Users may quickly lock up the reward GRV without claiming it and collect and view the whole revenue status here. They can also receive the earned GRV all at once. Users benefit from tax savings in situations where locking up (Compound) is required immediately. Additionally, you may find out how much the rebate will be distributed. The protocol revenue includes the weekly distribution of rebate assets. The vault acts as the ecosystem's primary entry point and a crucial dashboard as a result. # veGRV ### What is veGRV?
GRV, a governance token, is referred to as veGRV, an ecosystem component that stands for the locked-up (voted-escrow) form of GRV. The lock-up time ranges from 4 weeks (1 month) to 104 weeks (2 years). The $GRV lockup is defined by an increase in the user's veGRV amount proportionate to the staking duration, and it may be chosen for up to 2 years. Even if you lock up the same amount of GRV, a longer lock-up duration will allow you to earn more veGRV. During the lock-up period, users must keep their veGRV tokens; they cannot be traded or transferred. In the event that a claim is filed after the lock-up time has passed, veGRV will be converted to GRV. ### veGRV Use Cases * VP * EcoScore * DAO (governance) * Pool gauge vote ### linear decrease The quantity of veGRV is calculated when the lock-up period is specified, although it decreases linearly over time.
During the lock-up period, the quantity of veGRV is weighted and rises proportionately from 0.96% to 100%. > **Ex)** > > 1 $GRV → 1 month (4 weeks = 28 days) lockup → 0.0384 $veGRV > > 1 $GRV → 2-year lock-up → 1 $veGRV $$ {\rm veGRV} = {\rm Locked GRV}\times\frac{\rm my~~Lock~~up\~Period}{\rm 2years} $$ # VP (Boost) Voting Power
The proportion of my quantity to the entire amount of veGRV that may be acquired by locking up GRV is represented by the term VP (Share of Power). Thus, VP stands for your stake in the protocol; the more your stake, the larger your portion of the protocol's profits. The following are factors VP affects. * Lending Pool Reward APR (Supply & Borrow) * Rebate The interest in all farming pools is higher for individuals who are currently farming as VP increases. The total interest can rise and capital efficiency can rise even if the loan is provided under certain conditions since the higher interest comprises both deposits and loans. And VP is your portion of the weekly protocol income. This protocol revenue is not distributed as a rebate in the form of the governance token GRV, but rather as actual coins and tokens. The VP% calculation formula is as follows. $$ VP = \frac{\rm my~~veGRV}{\rm total~~veGRV} \times 100 $$ The user's VP drops linearly as the overall veGRV grows since it represents the user's share as determined by the overall veGRV. Therefore, to ensure substantial boost and rebate stakes, continual GRV lock-up is necessary. ### What is Boost APR? A multiple called "boost" virtually increases the value of an asset being farmed. When the value of an asset virtually rises, your portion of the pool's staking also rises, which causes the APR to rise naturally. Each Eco-Zone's maximum value that may be raised by the boost multiplier is different.
### **Boost Multiplier**
Ecoscoremaxmediumbase
Green3.0x2.0x1.5x
Light Green2.5x1.5x1.3x
Yellow2.0x1.0x1.0x
Orange1.5x0.8x0.7x
Red1.0x0.0x0.5x
Ecoscore is a unique value assessment system in Whitehole, where the higher the zone of the user, the higher the boost factor limit becomes. Even if a user has a high VP, a user with a low zone will not be able to receive a boost multiplier higher than the maximum boost multiplier of the zone. ### Boost Formula $$ New~~l = min(\ max\times l~~, l+(\it A\times(L \times\frac{\rm my~~veGRV}{\rm total~~veGRV}\times \ base ))) $$ > * my deposit or borrow ($) $$=l$$​ > * my boosted deposit or borrow ($) $$=New\~l$$ > * total deposit or borrow ($)$$=L$$​ > * Minimum $$= min$$ > * $$A = \rm Medium$$ Assuming when $$New\~l$$ is $300, $$l$$ is $100, the boost multiplier is 3.0x, and my asset assumed to be $300. The GRV reward token issuance in the pool is limited, and it is possible to boost your assets through farming, therefore holding a high stake can result in a strong APR. The boost is influenced by VP which determines the boost multiplier and EcoScore which expands the limit of the boost multiplier. {% hint style="info" %} If the user's APR consists of basic loan interest + reward interest(reward GRV), the boost concept will increase the reward interest. The boost multiplier is multiplied by my depository\&borrowed assets. The Max value indicates that it can increase up to the number shown. Since each user has a distinctive VP (veGRV stake ratio), deposit, and loan amount, the boosted APR of each user is set in different ways. {% endhint %} ## 📊 Examples I'll give you two examples to further assist you to understand. ### Case 1. veGRV Holder (Staker) The USDT Lending Pool now has 1,000 USDT deposited in it, and the Base APR is 10%. James wants to deposit $100 USDT to begin farming. James obtained 200 veGRV using GRV lockup in order to obtain an additional boost ratio. James' VP is therefore 10% if there are 2,000 veGRVs overall. Additionally, James is categorized as a Green Zone because he just started investing and hasn't claimed any GRV. > * $$EcoScore = Green$$ > * $$Max = 3.0$$x > * $$l=100$$ USDT > * $$L = 1000$$ USDT > * $$VP = 0.1$$% > * $$A = \rm 2.0$$ Let's perform the calculation using the booster calculation formula. $$ New~~L= min (3.0 \times 100~~,~~100 + (2.0 \times 1000~~(L)~~\times~~0.1\~(VP)~~\times~~1.5\~(\ base) ) $$ * $$New L = 300$$ USDT Combining the results, James in Green Zone will farm with $300 USDT multiplied by a coefficient of 3 rather than the original capital of $100 USDT as a result of the boost. **-> Base APR 10% + Boost APR 30%, USDT Boost 3.0x** ### Case 2. no hold The USDT Lending Pool now has 1,000 USDT deposited in it, and the Base APR is 10%. James wants to deposit $100 USDT to begin farming. James began farming without a GRV deposit because he wanted to start making money immediately. James' VP therefore begins at 0, the Red Zone by default, without any specified Zones. Here is an overview of James' circumstance > * $$EcoScore = Red$$ > * $$Max = 2.0$$x > * $$l = 100$$ USDT > * $$L = 1000$$ USDT > * $$VP = 0$$% > * $$A = \rm 0$$ $$ New~~L= min (2 .0 \times 100~~,~~100 + (0 \times 1000~~(L)~~\times~~0\~(VP)~~\times~~0.5 \~(base)) $$ * $$New\~L=100$$ USDT Combining the results, James in the Red Zone farms his initial investment of $100 USDT without any help. **-> Base APR 10% + Boost APR 0%, USDT Boost 1.0x** # Ecoscore
### Background information about Ecoscore Whitehole Finance has a special system called Ecoscore that measures how much each user contributes to the ecosystem overall. It is fairly meant to reward users who have high protocol loyalty. Ecoscore is divided into 5 zones (Red, Orange, Yellow, Light Green, and Green), with higher zones offering exponentially more benefits. The opposite situation (low zone) results in low profit. The benefit of Ecoscore is that the protocol's limited resources are allocated in the order of holders with the highest loyalties, keeping overall inflation constant while reducing the quantity of GRV distributed to the market. Additionally, even if the GRV amount is small or the stake is low, participation in the system is not impossible because the EcoScore relates to an individual's degree of achievement. For example, in traditional platforms (such as Curve), if a user is not an institution or affiliated with the foundation, it's not possible to increase one's own interest rate by participating in Curve-W, through gauge voting. However, in Whitehole Finance, as long as the balance of the individual's veGRV amount and claimed GRV amount is maintained, high Zone maintenance is possible and therefore, it's possible to reduce taxes and increase rewards. ### EcoZone calculation method The claim ratio of reward GRV to the amount of veGRV serves as the benchmark for evaluating a user's Eco Zone. The EcoGauge as the Deposit Ratio is how the ratio is displayed (DR). $$ DR = (\rm veGRV - Claimed\*0.5)\~/\~veGRV \*100 $$ Claimed" refers to monetized interest from GRV rewards. By doing this, the current gauge % is determined, and my zone is immediately changed to one that corresponds to that ratio. However, for each additional claim, the claimed amount is first combined with the existing claimable quantity before being calculated. ## 🧾 Ecoscore quick list
**Minimum Lock up period** It is the minimum required to keep the Green and Light Green benefits, serving as the GRV lock-up period. For instance, even if you have a high DR and are a Green user, your zone will switch to Light Green if the GRV lock-up duration is shorter than 3 months (12 weeks). You need to consistently increase the lock-up duration to maintain a high zone (Lock Extension). **Claim Tax** It was used to increase the price of GRV in order to maintain the ecosystem in a positive cycle. Higher-zoned users are free of paying taxes. The tax is levied on interest claims, and the vast majority of the GRV is burned. #### PPT (Price Protection Tax) It is imposed in accordance with the user's zone if the market price of GRV decreases by a specific % or more as compared to the average standard price for the previous 7 days in order to avoid a dramatic decline in GRV. ## Green ### Benefits * Maximum boost multiplier 3.0x * A 50% tax exemption for PPTs * Up to 40% of claim tax exemption * Up to 1.0% of withdrawal fees are waived * Weekly distribution of rebates based on protocol income for veGRV stakeholders. ## 📊 Examples > * **GRV = 1USDT** > * **USDT Pool APR 10%** > * James doesn't have veGRV right now, thus Red Zone uses the default boost ratio of 1.0x. > * James is now farming in Whitehole for 1000 USDT. > * Taxes include the claimed tax and the PPT tax, which are both claim taxes used to prevent price falls. James earned 100 GRV from his farming interest one year later (Unclaimed Rewards). James' actions will determine how things turn out. ### Case 1. Pay taxes and file a claim (Penalize) James instantly claims the 100 GRV in the cumulative reward. James is subject to claim tax because his EcoScore is now in the Red Zone. You will receive 60 USDT, which is the equivalent of the 40 USDT that an individual earned, because they are -40%. James won't leave the Red Zone when farming constantly after that since he has no veGRV holding amount. ### ### Case 2. Claim without paying tax James avoids the tax and wants to claim 100 GRV in earned rewards. This is due to James being liable for tax claims while he is now in the Red Zone. As a result, James bought GRV separately to expand the Zone and locked it up using the Vault. According to the calculation formula, James' veGRV would be 336.53 veGRV if he bought 3500 GRV and locked it up for 10 weeks. (The amount rises the longer you keep it locked.) The EcoScore method predicts that James' DR will be 336.53veGRV - 100GRV / 336.53veGRV \* 100 = 70.28%. In line with this, the Light Green Zone will be able to claim the entire 100 GRV as no interest charge tax would be applied. When farming once more, James farms with a high boost APR that correlates to the Light Green Zone while also receiving weekly rebates from the protocol revenue. ### Case 3. Compound (Lock Unclaimed GRV) James doesn't want to purchase back GRV and lock it up, but he also doesn't want to pay taxes. In this situation, it is possible to claim before unclaimed accrued reward interest GRV is instantly locked away. There are two different cases for the function's application examples. > 1. Users who have already locked up > 2. Users whose existing lockup has expired or does not exist The reward GRV will be added in accordance with the veGRV calculation formula throughout the remaining lock-up duration of the current lock-up if a user with existing lock-up locks up the reward GRV right away (Example 1). combined with new veGRV A new lockup period can be created for users who have either never had a lockup before (Example 2) a new lockup period can be set. In order to promote this activity, a tax is first applied on such a "compound," but it is applied with a discount at the time of the compound. For instance, if a 20% tax should be applied initially, compounding might reduce it to 0%. #### Both instances share the following process > 1. The veGRV calculation method effectively counts the user's unclaimed GRV without tax. > 2. With a significantly increased veGRV amount, the user's Zone is advantageously acquired in this process. The EcoZone will change in ranking if the zone is rebalanced in an upward direction, allowing the current -20% tax to go to 0%. > 3. The user's overall tax is then determined (PPT Tax + Claim Tax). Additionally, the "total tax" is once more discounted in the user's favor. > 4. The user's total tax could become 0% with this discount. > 5. According to the veGRV calculation formula, the final tax is locked up in the user's Vault after it has been charged. The following formula is used to determine the final tax $$ FinalTax = Max(0\~,~~(TAX~~-~~(\frac{\rm my~~Lock~~up~~Period}{\rm 2years}\times100)) $$ Returning to our previous example, let's describe James' situation. Assuming James is now a 100veGRV holder with one year till unlocking, that his zone is Orange, and that the overall tax imposed on James is -20%, let's calculate the final tax. $$FinalTax = Max(0\~,~~(20~~-\~(\frac{\rm 1 Year}{\rm 2Year}\times100))$$ $$= Max(0,-30)$$ $$=0$$% As a result, James' current tax deduction of 20% is made, enabling him to lock up with the original amount of 100 GRV. The veGRV acquired by the compound using the veGRV calculation formula is ultimately determined as 50veGRV since James' current lock-up time is 1 year. James was an Orange Zone user, but he was able to continue farming with an increased APR and rebates by compounding without paying taxes. As a result, all courses are designed to provide the compounding user with several benefits and will be calculated and applied automatically. # Taxation ## PPT (Price Protection Tax)
The stabilization of the token market price is directly impacted by the PPT tax, which is a tax levied and imposed for price protection. When the user claims the GRV reward interest claim via farming, the amount of GRV is removed and paid by the corresponding rate. This happens automatically when the GRV market price is beyond the reference price. Therefore, until they obtain the GRV through a claim, the direct user's GRV quantity will not drop even if the price is in that range. And as a result, it has no impact on your lending pool APR. In order to avoid profit monopolization, the GRV price snapshot time (depending on the setting) is determined based on the average price of the preceding 7 days. Light green users get a 50% reduction off the upcoming tax, and green users are free from the applicable tax. **Reference Price:** The GRV quote's weighted moving average price over the last 7 days. It is a tax applied at the time of the user's interest claim if the current GRV price is by a specific percentage or less than the standard price. **When to apply:** Automatically implemented at a certain time following a daily price screening and price snapshot (Reference Price). **Price Oracle:** Whitehole DEX GRV-USDT Liquidity Pool
GRV price rangeconditionPrice Protection Tax
Phase 1Within -10%10%
Phase 2-10% ~ -20%20%
Phase 3-20% ~ -30%30%
Phase 4Above -30%50%
{% hint style="info" %} The moment of claim is when all taxes are assessed. Consequently, even if you are at that point, it won't instantly have an impact on your Unclaimed Balance. In addition to being instantly sent to the GRV Treasury and burned, the GRV collected as tax can also be airdropped to users in high tiers. {% endhint %} ### Tax benefit for Eco Score | Tiers | Price Protection Tax | | ----------- | -------------------- | | Green | 100% deduction | | Light Green | 50% deduction | | Yellow | Same | | Orange | Same | | Red | Same | ## Claim Tax | Tiers | Claim Tax | | ----------- | --------- | | Green | 0% | | Light Green | 0% | | Yellow | 0% | | Orange | 20% | | Red | 40% | With a variable tax rate for each Eco Score, interest claim tax (also known as Claim Tax) is a tax that is constantly applied. The tax on interest charges does not apply to users in higher tiers {% hint style="info" %} The moment of claim is when all taxes are assessed. Consequently, even if you are at that point, it won't instantly have an impact on your Unclaimed Balance. In addition to being instantly sent to the GRV Treasury and burned, the GRV collected as tax can also be airdropped to users in high tiers. {% endhint %} ## Withdrawal Fee | Tiers | Withdrawal Tax | | ----------- | -------------- | | Green | 0.1% | | Light Green | 0.15% | | Yellow | 0.2% | | Orange | 0.5% | | Red | 1.0% | This is the charge made when withdrawing assets that have been deposited (BTC, USDT, ETH, etc.). The fee decreases with the higher Ecoscore. {% hint style="info" %} This fee is what you pay when you withdraw assets. The tax rate is established at the moment of withdrawal by identifying the user's tier. Tax assets are instantly transferred to the rebate pool and given each week to veGRV holders {% endhint %} # Rebate ## What is **Rebate?**
Weekly distribution of assets from Whitehole Finance's Real Yield. To holders of veGRV, 50% of the protocol's earnings will be allocated. The following are some of the sources of income: Withdrawal fees associated with taking out deposited assets; Liquidation Penalties; Lending Performance Fees, and protocol operation fees. ### Items for asset configuration rebates > * Withdrawal Tax > * Liquidation penalty > * Lending performance fee The user receives a weekly payout of dividend virtual assets (such as BTC, ETH...) equal to the governance stake after locking up the governance token (VP). Assets from rebates can be claimed in the vault as a rebate and added to the user's supply balance rather than being transferred to a personal wallet. Because users may utilize this service to gain instant compounding on their increasing assets, rebate revenue is added to the supply balance. You must take out your deposited assets to Withdraw in order to receive the entire rebate proceeds. # Parameter ## EcoScore quicklist
## Boost Ratio
EcoscoreMax BoostMedium BoostBoost
Green3.0x2.0x1.5x
Light Green2.5x1.5x1.3x
Yellow2.0x1.0x1.0x
Orange1.5x0.8x0.7x
Red1.0x0.0x0.5x
## **Utilization Rate**
AssetOptimalSlope 1Slope 2
ETH65%10%100%
WBTC60%12%100%
USDT70%9%80%
USDC75%8%75%
DAI70%9%80%
ARB50%14%120%
## **LTV**
AssetCollateral FactorLiquidation ThresholdLiquidation penalty
ETH75%75%15%
WBTC70%70%15%
USDT80%80%15%
USDC80%80%15%
DAI75%75%15%
ARB30%30%15%
# Supply,Borrow In this tutorial, we will guide you through the process of using Whitehole Finance ## Supply 1. Go to the “Money Market → Market List” tab
2. Click on the pool you want to provide.
3. Supply assets as you want.
**How to view my supplied assets?** -> Go to the "Money Market → Dashboard" tab.\
## Borrow 1. Go to the “Money Market → Dashboard” tab Before taking out a loan, **you must turn on the Collateral toggle.**
2. Now you can borrow against your assets. You can borrow up to the ‘Borrowable Amount.’
## Repay 1. Go to the “Money Market → Dashboard” tab. Click on the asset that is currently on loan.
2. Enter the desired amount of assets for repay from borrow amount. If you want to close the loan, **repay all** the borrowed amount.
## Withdraw 1. Once you've paid off your borrowed amount, you can withdraw your assets.
# Supply,Borrow (NFT) NFT lending pool uses the same pool as the Whitehole's Money market ETH pool.
## Supply (NFT) 1. Go to the “NFT Market → Market List” tab
2. Click 'Deposit NFT & Borrow' on the NFT collection you wish to borrow. Of course, you have to have NFTs.
3. Now you can see your NFTs. They are separated by collection. Click on an NFT and enter the amount you want to borrow, which is determined by the Floor Price. Once you click, the NFT will be deposited and the loan will be executed.
4. If you want to check the status of NFT loans, go to NFT Market - Dashboard.
5. Clicking on "View Details" will take you to the loan status list page, and clicking on "Manage Loan" will allow you to view the loan status. You will be able to see if your beautiful NFTs has been loaned out.
5-1. With Borrow More, you can borrow more from each NFT loan.
5-2 Use Repay to pay off NFT loans. If you want to pay off a portion, use Repay. If you want to end the NFT loan and retrieve your NFT, click Repay All. Remember, if your Health Factor reaches 100% (NFT Floor Price < Liquidation Price), your NFT will be subject to liquidation and may be auctioned off by other users. So always manage your H.F carefully
5-3. When the loan ends, the NFT will be returned to your wallet. Want to check your NFT? Go to the "NFT Market → Market List" tab and click "Deposit NFT & Borrow" in each collection to view it.
# Vault
Vault is a dashboard that uses utilities related to $GRV. You can check your earnings from Whitehole Finance. You can also check your Ecoscore and increase it by obtaining veGRV through $GRV lockup. Increasing your Ecoscore will increase your Max APR% and tax benefits.\
### Harvest You can check the $GRV obtained through the liquidity supply of NFT and Crypto. * Unclaimed GRV: $GRV that has not been claimed yet. * Claimed GRV: $GRV that has been claimed, and the ratio of this amount and veGRV balance determines one's Ecoscore.
When you claim, your Ecoscore decreases. The decreased Ecoscore moves your Zone to Red, reducing benefits such as APR boost and tax benefits. **Claim Tax:** Tax deducted at the time of claim. Increasing Ecoscore reduces tax. **Price Protection Tax**: Tax incurred when the $GRV price drops below a certain level. Increasing Ecoscore reduces tax. Taxes improve the sustainability of the protocol. * Revenue from NFT farming is included in ETH farming revenue. **Compound** : You can directly lock up unclaimed $GRV through Compound. This gives you a much more favorable tax benefit than claiming it and then locking it up. You can see your APR increase through Compound. When you compound, it will automatically be added to your existing lock period. If you don't already have a lock, you can choose a period to lock up.
**Ecoscore :**
This shows your Ecosocre. The closer you are to Green, the more you will receive a boosted APR and tax benefits. **Zone:** There are 5 zones of Ecoscore: Red, Orange, Yellow, Light Green, and Green. You can increase your Ecoscore by locking up $GRV or compounding the $GRV you earn.\ \ \ **GRV Vault :**
This is the section where you can lock $GRV. You can see the locked $GRV and the duration. When you lock $GRV, it is converted to veGRV, which increases proportionally to the duration. The proportions of your veGRV determine your Ecoscore.
**veGRV :**
veGRV- Rebates is the distribution of the protocol's revenue to $GRV stakers. **$GRV → Lock → veGRV (Staking)** Your voting power is increased by the amount of your veGRV out of the total veGRV. And you will receive Rebates (Protocol Fees Sharing) based on that percentage. Note: Rebates are not accumulated in real-time. Your earnings will be updated once a week. You can claim them at that time.
# GRV-USDT LP **Liquidity** Provide liquidity to the GRV-USDT pool. The liquidity supplied to the GRV-USDT pool becomes GRV-LP. Since we use Zap, you can deposit $GRV, USDT, and GRV-USDT LP. The liquidity supplied will be used to provide liquidity for GRV-USDT trades.\ \ \ **Step 1. Go to Trade - Liquidity page**
Whitehole Finance supports Zap, so you can provide liquidity with the desired asset.\
**Step 2. Add Liquidity** Whitehole Finance supports Zap, so you can provide liquidity with the desired asset. To supply liquidity in USDT, enter USDT and click Add Liquidity.
After supplying, you can see that the GRV-USDT Lp has been minted.
**Step 3. Stake LP**\ Stake the created GRV-USDT LP. You can now see your rewards (Claimable GRV) accumulating in real-time.
**How to claim interest** Users can claim $GRV earned in a 14-day cycle. Claim → Lock Duration (7 Days) → Penalty Duration (7 Days) → Harvest
Upon claiming, there will be a 7-day lock. After that, it will be taxed at 50% for the next 7 days and can be claimed immediately (14 days total). After claiming, you can immediately lock up your vested GRV during the harvest period via Compound without penalty. **Note** Claiming again during the Harvest period will start a new 14-day cycle. # Basic strategy : supply ### Supply only safely (Low Risk)
Your virtual assets can be deposited for secure returns. Supplying the assets you wish to deposit in the market, is achievable. You instantly receive gTokens in your wallet upon a deposit. Your stake in the lending pool is represented by this token (market). GRV awards are given out over time as deposit interest in addition to the interest on the coin itself. Users that choose a supply-only strategy will thus benefit from the following while looking to make money passively. > * Benefit from growing prices for virtual assets > * Deposit interest > * The GRV Rewards (can be amplified with boosts) The above method allows users to benefit reasonably safely and conveniently without IL (impermanent loss). Additionally, by locking up the acquired GRV, you may grow your interest in your protocol and have access to a number of other benefits. The following benefits can be attained with GRV's lock-up. * Farming APR boost * Protocol revenue rebate * Various tax benefits Users who wish to make large profits must acquire a high tiers and VP (stake) through GRV lock-up since all benefits begin with GRV lock-up. Additional benefits are being prepared in several sectors in addition to the ones that are already provided. # Basic strategy : Lending ### Notice * Each figure serves as an example. To get precise percentage figures, be sure to check the Whitehole Finance Market. * The loan interest rate may rise sharply depending on how often each pool is used. Always assess the market situation and check the utilization rate to determine whether the appropriate interest rate has been set. * As interest accumulates in gTokens, loan interest rises. Therefore, before exceeding the liquidation threshold, it is important to periodically check the debt ratio and reduce it through repayment or the deposit of new collateral. ## Leverage Farming
### Looping In order to do this, a certain coin must be deposited and borrowed. In Whitehole Finance, if the GRV reward emission is 50:50 deposit & loan, the borrow margin interest can often be positive (+) as the deposit amount of provided assets is more than that of borrowed assets. The compensation interest on the deposit and the loan interest can be offset during leverage farming, and it can even be profitable, if the loan margin interest (Net APR) is negative (-). Considering the first case, with the USDT pool's LTV at 70% 100 USDT deposit → 70 USDT borrow 70 USDT deposit → 49 USDT borrow 49 USDT deposit → 34.3 USDT borrow 34.3 USDT deposit → 24.01 USDT borrow …… Total assets against the initial deposit amount will be 330 USDT, and total liabilities would be 230 USDT if you keep doing it until you are unable to borrow any more. When the loan interest is 2% APR (-5% loan interest + 7% GRV reward) with just the first 100 USDT, you will have an increased leverage farming effect that will allow you to earn a total profit of 2.76x by farming + lending interest to 330 USDT. Currently, the APR of USDT is 10% (4% Deposit Interest + 6% GRV Reward). Holders with better EcoScores can also receive additional boost interest rates with GRV lock-up for safer and more reliable income. ## Short
**Collateral deposit → borrow → swap to stable or other assets → collateral deposit** It is the same as being short on the borrowed coin to deposit one coin, borrow another, and sell it. For instance, user A wants to short ETH in the expectation that it would decline. To post a loan, User A needs collateral assets 1. User A deposits 100 USDT. 2. borrow 0.5 ETH (50$). 3. Sell (swap) 0.5 ETH. (+50$) 4. The value of ETH then decline. At this time, 0.5 ETH is $25. 5. The user pays off the debt by spending $25 to purchase 0.5 ETH. 6. The user revenue -> 25 USDT. Applying this part might result in leverage. **ex) Deposit asset A → Receive a loan for asset B that is likely to decline and sell → Re-deposit as collateral → Repeat** You can gain earnings by paying back the cheap asset B with asset A at the conclusion of leverage farming with higher collateral. Here, through GRV lock-up, all GRV reward benefits granted to both deposits and loans may be increased. The interest on the loan might be increased by a positive amount by boosting if the Net APR at the time of the loan was -2%, enhancing the position's worth. Through GRV lock-up, many application strategies are possible in Whitehole ## Long
**Collateral deposit → stable loan → token swap → collateral repeat** It is equal to being long on the borrowed coin to deposit one coin and borrow another to purchase further collateral coins. For instance, user A wants to buy a long position in WEMIX because they believe it will rise. To post a loan, User A needs collateral assets. 1. User A deposits 1 ETH. 2. Borrow 50 USDT (=0.5 ETH). 3. Swap 0.5 ETH to 50 USDT. 4. The value of ETH doubles after that. 0.5 ETH is currently 100 USDT. 5. After purchasing 50 USDT, the user sells 0.25 ETH to pay off debt. 6. The user revenue -> 0.25 ETH. By using this in combination with the leverage farming mentioned above, you may increase your profits. **ex) Depositing asset A → Stable loan → Purchase asset A and re-deposit as collateral → Repeat** You can earn profits at the end of leveraged farming with greater collateral by repaying stable loans with more valued A assets. Here, through GRV lock-up, all GRV reward benefits granted to both deposits and loans may be increased. The interest on the loan might be increased by a positive amount by boosting if the Net APR at the time of the loan was -2%, enhancing the position's worth. Through GRV lock-up, many application strategies are possible in Whitehole. # Advanced strategy: Leveraging EcoScore ### Notice * Each figure serves as an example. To get precise percentage figures, be sure to check the Whitehole Finance Market. ### Using the EcoScore System to Make Big Profits
## Examples {% hint style="info" %} **common requirements** * Farming with full deposit of USDT (TVL: $1,000,000) * GRV assumes a launch price of $0.023 (normal APR: 46.81%) * veGRV calculation: Assuming 20% of the monthly emission amount is locked up * The whole veGRV was locked up for 26 months (1 month : 4 weeks) #### I**nitial Assumptions for Reward Distribution** * Over 26 months, 324,195,397 GRV emissions (1 month : 4 weeks) * **41.6% Supplier Rewards : 162,097,698 GRV → Calculated with the applicable GRV** **Simulation Characteristics** * It is regarded as a compound if no claims are made. * Action once a month (Claim, Compound) * Fixed compound for the first month of farming {% endhint %} ## Green starting * Initial deposit USDT: 10,000 * Initial deposit GRV : 43,479 ( = $1,000), locked up for 2 years (26 months) * Compound GRV is incorporated within 2 years (26 months) and added to the current veGRV balance each month for the remaining time (26 months to 1 month) in accordance with the veGRV calculation formula. * Only the claim tax is imposed from the EcoScore taxes (withdrawal fee and PPT tax excluded)
MonthCompoundClaimProfitAPR
26260$29,085.33140.43%
26206$14,044.33 ~ $28,156.1865.22% ~ 135.78%
261313$10,238.45 ~ $23,361.4546.19% ~ 111.81%
26619$9,374.29 ~ $16,340.0341.87% ~ 76.62%
26125$8,510.1337.55%
## ## Red starting * Initial deposit USDT: 10,000 * Initial Deposit GRV: 0, starting from the Red when GRV is not deposited. * Compound GRV is incorporated within 2 years (26 months) and added to the current veGRV balance each month for the remaining time (26 months to 1 month) in accordance with the veGRV calculation formula. * Only the claim tax is imposed from the EcoScore taxes (withdrawal fee and PPT tax excluded)
MonthCompoundClaimProfitAPR
26260$27,307.22136.54%
26206$10,677.82 ~ $26,169.0553.29% ~ 130.85%
261313$8,295.62 ~ $20,763.4641.48% ~ 103.82%
26619$7,431.46 ~ $13,880.7937.16% ~ 69.40%
26125$6,567.2932.84%
### Conclusion This simulation's goal is to examine the end profit and converted APR based on the initial user's eco score, claim & compound ratio, and asset starting point. The results show a difference that under the existing circumstances, a 26-time compound green user and a 25-time claim red user will have a dollar value of $22,519 and an APR of 107.59%. In addition, although PPT Tax and weekly Rebate have not been considered, this difference in degree shows that Compound only(the former one) is 10 times more efficient Also, during the 26-month farming period of the user, even if we consider the first month as the beginning and the 26th month as the end, users who claim quickly and reduce the claim ratio (DR) rapidly in a state where veGRV quantity has not been accumulated enough compared to the beginning are 2.3 times ahead of users who do not, compared to the same claim ratio. From this perspective, we can see that users who started within the red could also surpass green users through compounding. Therefore, it is possible to fast get to the desired point in Whitehole if the elements like green, red, compound, and claim are put up appropriately and the separation between you and other users is increased. Additionally, a different simulator is offered so that the procedure may be previewed beforehand for the user's comfort and that future earnings can be simply forecasted using the data from the present. However, you can feel uneasy about the comparatively long lock-up period, the point of purchasing and initiating GRV, and the slightly late timing of monetization. In order for users with high royalties to continue farming with full confidence, Whitehole Finance has established procedures to stop GRV price drops using a variety of safety devices. From the perspective of the entire ecosystem, it is highly likely that the GRV to be released will remain in the ecosystem rather than being sold right away because everything said above indicates that users with high eco-scores receive more rewards for greater rewards. The long-term goal of Whitehole Finance is to develop into a DeFi that keeps expanding for a very long time by developing a virtuous cycle structure where the GRV value keeps increasing in the ecosystem and maintains a high APR so that funds keep coming in. The tokenomics will be continuously updated, developed, and reorganized to ensure that GRV stakeholder interests, which are crucial to the ecosystem, are always given top priority. # GRV Tokenomics ### **GRV** The Whitehole Finance governance token is GRV. By securing GRV tokens, you may obtain veGRV and make use of the ecosystem's many planned benefits (boosts, tax rates, deductions). Through veGRV, it may also take part in protocol decision-making.(Governance) ![](https://1758827692-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FsIJTurXS2Otyo0xctmQf%2Fuploads%2FnKQy95hhPnm7CkeQmpI7%2FGRV%20Token.png?alt=media\&token=9bc6f81b-1cff-4424-af98-64e6735ec0c4) Name: Gravity\ Ticker: GRV\ Chain: Arbitrum\ Max supply: **1,000,000,000 GRV**\ Contract: 0x10031e7CFf689de64f1A5a8ECF4fBBc7Aa068927 ### ### GRV Tokenomics
### **Total GRV supply** There will be 1,000,000,000 (one billion) GRV issued in total. > * Community incentive : 40% to Community Incentive Rewards over the next 10 years > * Presale ($GRV IDO) : 10% > * Eco system (Marketing) : 10% (Reserved for marketing rewards, pre-minted in a multisig) > * Team : 20% to the Core Contributors vested linearly over 3 years > * Reserves : 10% (pre-minted in a multisig) > * Protocol Owned Liquidity : 10% (pre-minted in a multisig , 5% used for initial liquidity) ### Sustainable Emissions
In the first week after the protocol launch, 1,350,000 GRV (0.45%) will be supplied as a reward. The weekly issuance will then increase and reach a maximum of 4,003,902 GRV in the 7th month after the regular launch, and then gradually decrease over the next 10 years.
This is a more advanced form of tokenomics, in which the emission is regulated until the protocol has grown enough to stabilize the token value. Sustainable Emissions prevent a rapid decline in governance token value in the early days of high APR, preserving the sustainability of the protocol and enabling sustainable growth.
YearsCumulative Tokens IssuedCumulative %
0 year1,350,0000.45%
1 year145,949,26248.65%
2 year238,145,38579.38%
3 year275,252,16891.75%
4 year290,186,78096.73%
5 year298,616,83199.54%
6 year299,590,51099.86%
7 year299,982,39399.99%
8 year300,140,117100%
9 year300,203,597100%
10 year300,229,146100%
#### # GRV rewards ### GRV Rewards for money markets GRV will be given out as rewards for deposits and loans. * A total of 300,000,000 GRV (30% of the total) will be allocated. | Asset | for Supply | for Borrow | | ----- | ---------- | ---------- | | ETH | 10% | 20% | | WBTC | 3.333% | 6.666% | | USDC | 10% | 20% | | USDT | 3.333% | 6.666% | | DAI | 1.666% | 3.333% | | ARB | 5% | 10% | ### GRV reward configuration for LPs (Liquidity Providers) In order for users to purchase and sell GRV, LPs that supply liquidity to the DEX within the protocol are rewarded with GRV. * A total of 100,000,000 GRV (10% of the total) will be allocated. * Rewards for staking are only paid in GRV. * It takes 7 days to activate the option to claim compensation, after which you can do so right away for the next 7 days with a 50% tax. (14 days in total) # GRV governance (TBA) # Roadmap
\ Whitehole Finance will eventually develop into a multi-asset lending protocol for all on-chain assets, including NFTs and Tokens. This will enable you to make tangible progress before that vision. **2023 Q1** * Security Audit * Testnet Launch * IDO * Mainnet Launch **2023 Q2** * DAO Governance * DAO Governance Voting Gauges (GRV Emission) * Looping (Leverage Farming) feature update * NFT Rental feature update **2023 Q3** * Integrating Ecosystem Projects * More NFTs partnership **2023 Q4** * Multi chain Launch # Definitions ## Unique features #### **Performance Fee** It is 10% of the deposit-to-deposit margin income obtained from the borrower as a standard operating expense. A weekly reimbursement of 50% of this sum will be given to veGRV holders. #### Rebates It is a weekly distributed asset whose entries are made up of the protocol's actual revenue. The user's veGRV stake determines the compensation amount. See the [link](#rebates) for more information. #### EcoScore It refers to the general mechanism for assessing user contributions to the protocol. See the [link](#ecoscore) for more information. #### veGRV (voted-escrow) It is a voted-escrow version of the ecosystem governance token GRV that can be acquired by staking (locking up) GRV. In the ecosystem, different rewards and penalties are created according to the token's supply. See the [link](/token-economy/vegrv#what-is-vegrv) for more information. #### Boosted GRV Rewards If the user's APR comprises basic interest and reward interest, the boost concept will increase the reward interest (reward GRV). The coefficient is multiplied by my deposited assets and farmed. See the [link](/token-economy/vegrv/vp-boost#what-is-boost-apr) for more information. #### Max Boost Ratio The combined individual boost factor for Eco Score and VP cannot be greater than 3.0x, although each can contribute up to 3.0x boost. See the link for more information. **Minimum Lock up period** It is the minimum required to keep the Green and Light Green benefits, serving as the GRV lock-up period. For instance, even if you have a high EcoGauge and are a Green user, your Ecoscore will convert to Light Green if the GRV lock-up duration is decreased to less than 3 months (12 weeks). You need to consistently increase the lock-up duration to maintain a high zone (Lock Extension). #### EcoGauge ( = Deposit Ratio) The user's veGRV amount to the claimed GRV amount is divided by the user's DR value, which establishes the user's Ecoscore. The DR number increases as the quantity of GRV claimed decreases or as GRV is locked up increases. ## Lending Protocol #### Supply (deposit) It refers to the process of depositing virtual assets. Assets that have been deposited or delivered are utilized to create liquidity for lending in the money market. You get loan-to-deposit margin interest from borrowers and GRV compensation interest from the protocol in exchange for supplying liquidity. #### Borrow (Loan) It describes the process of lending each virtual asset lending pool's assets (money market). You need to offer virtual assets as security to start a loan. You may borrow up to the LTV (Loan to Value) of the collateral asset's dollar-converted value. #### Utilization Rate It refers to how much money market deposits are used as collateral for loans. More loans increase pool utilization, which results in less liquidity and higher interest rates. In this case, depositors seeking high interest rates quickly supply liquidity, which lowers the utilization rate. In contrast, low interest rates on loans lead to a rise in borrower demand and higher utilization rates. **Collateral Factor (LTV)** The percentage of the protocol's specified collateral that can be borrowed up to a certain amount in dollars is represented by this value. **Liquidation Threshold** The percentage at which a borrower's position can be considered inadequately collateralized and liquidated is indicated by this statistic. The loan will be repaid when the debt equals 80% of the value of the collateral, for instance, if the liquidation threshold for that asset is 80%. **Liquidation Penalty** When the collateral is liquidated, the borrower must pay a charge to the protocol known as the liquidation penalty. The liquidation penalty for Whitehole Finance is 10%. ## Taxation See the [link](/token-economy/taxation) for more information. **Claim Tax** It was used to increase the price of GRV in order to keep the ecosystem in a positive cycle. High Ecoscore users are exempt from paying taxes. The tax is collected when an interest claim is made, ataxesnd the majority of the GRV that is collected is burnt and given to owners of veGRV. #### PPT (Price Protection Tax) It is imposed in accordance with the user's tier if the market price of GRV decreases by a specific percentage or more as compared to the average standard price for the previous 7 days in order to avoid a dramatic decline in GRV. Higher-zoned users are exempt from paying taxes. **Withdrawal Tax** This is the charge made when withdrawing assets that have been deposited (KLAY, BTC, USDT, ETH, etc.). High Ecoscore users are exempt from paying taxes. Tax assets are instantly transferred to the rebate pool and given each week to veGRV holders. # FAQs #### What is Whitehole Finance? Whitehole Finance offers a DeFi lending service with a range of rewards and penalties to raise the value of governance tokens. #### Where does the interest actually come from? The interest rate on the asset that the borrower is lending is where interest is earned from. To incentivize the usage of the protocol, additional governance token incentives are also given to lenders and borrowers. #### Where are my GRV Rewards? Vault provides access to all income produced by Whitehole Finance. The Dashboard also allows users to view interest rates and asset values for each item. #### What is EcoScore? It is a concept put out to determine how much each protocol participant contributes to the ecosystem. The quantity of veGRV locked via GRV lockup affects the user's EcoScore and VP. Users that make significant contributions can obtain up to 3x boost multiples and benefit from a variety of tax and fee benefits. #### Is the GRV token a deflationary asset with a continually declining amount of circulation and emission? Yes, it is accurate. The GRV Community Incentive Pool will hold all GRV taxes paid by protocol users, which will then be regularly burned. The GRV token itself also cuts back on its weekly reward output by 1%. Strong taxation and a weekly drop-in issuance inevitably result in a rise in GRV value. #### What is the Withdrawal Fee? This is the protocol fee charged for taking out deposited assets. The withdrawal Fee is transferred to the rebate pool and given to GRV participants each week. Users with a lot of veGRV holds who are closer to the greens are charged less according to a distinct pricing structure for each category of user. #### What is the liquidation fee? It is the amount subtracted from the borrower's collateral as a result of liquidation and is particularly significant to Whitehole Finance's financial stability. The amount will be transferred to the rebate pool and given each week to GRV stakers. #### What is the Lending performance fee? As a protocol operation fee, 10% of the loan-to-deposit margin (borrower interest rate) is allocated and collected. The rebate pool receives 50% of this, which is then allocated each week to each GRV staker. #### Does GRV single staking not exist? Other than locking up GRV to stop the inflation of the governance token, Whitehole does not run a separate governance staking pool. Nevertheless, GRV tokens are available as incentives for utilizing the lending pool (deposit & loan). With GRV lock-up, the reward can increase its interest rate up to 3.0x and get extra distributions from Whitehole Finance profits. # Terms of Use {% tabs %} {% tab title="Agreement" %} Hello and welcome to Whitehole Finance. The Site provides access to an on-chain decentralised protocol that enables suppliers and borrowers of certain digital assets to participate in an autonomous interest rate market ("Whitehole Finance"). **Overview of your legal rights on Whitehole** Explanation of the rules everyone must follow when using the Site Includes disclaimers, waivers of jury trials and class actions, and agreement to resolve any disputes that may arise. These Terms of Use apply to you ("you"), the user of the Site and the Whitehole front end, including all products, services, tools, and information available on the Site. Therefore, you should read this Agreement carefully, including the Privacy Policy and any other terms referenced in this Agreement, before using the Site. **Introduction** This Agreement applies to everyone who accesses the Site and you agree to be bound by them by using the Site. If you do not wish to be bound by them, you should not access the Site. By using the Site in any way, you agree that you have read and understood this Agreement. To access or use the Site, you must be able to enter into a legally binding contract with us on behalf of an individual or entity. You represent that if you are agreeing to this Agreement on behalf of an entity, you have the legal authority to bind that entity to this Agreement, and if you are agreeing to this Agreement in your individual capacity, you are at least 18 years of age. 1 or the age of majority in your jurisdiction, whichever is older, to form legally binding contracts online and have the full right, power and authority to enter into and be bound by the obligations under this Agreement. You also represent that your access to and use of the Site is in full compliance with all applicable laws and regulations and that you will not access or use the Site to conduct, promote or facilitate any illegal activity. We encourage you to check this Agreement periodically to familiarise yourself with any changes to the terms. Whitehole reserves the right to change the Terms of Service in its sole and absolute discretion. Changes will be binding on users of the Site and will be effective immediately upon posting. As a user of the Site, you agree to be bound by any changes, modifications, alterations or amendments to the Terms of Service, and your continued use of the Site constitutes acceptance of such changes, modifications, alterations or amendments. We will provide notice of any such changes, modifications, alterations or amendments to this Agreement by displaying the changes, modifications, alterations or amendments on the Site. Our Privacy Policy and Cookie Policy also apply to your use of the Site. #### #### Site As part of the Website, Whitehole provides access to Arbitrum one chain's decentralised finance application (the "Application"), which enables lenders or borrowers of various cryptocurrency assets ("Cryptocurrency Assets") to transact using smart contracts ("Smart Contracts"). To use Whitehole Finance, you may be required to pay fees, such as gas fees to the Arbitrum one chain, to conduct transactions. You acknowledge and agree that Whitehole has no control over any transactions on Whitehole Finance, any transactions made to, through, or using Whitehole Finance or the Site, the method of payment for any transaction, or the actual payment of any transaction. 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If the value of your collateral decreases and is no longer sufficient to secure the amount borrowed, other people may interact with Whitehole Finance and seize your collateral in liquidation. 3. the Site and/or Application may be suspended or terminated for any reason, which may restrict or disallow access to your crypto assets. By accessing and using the Site, you understand and acknowledge the following You have a working knowledge of the inherent risks associated with the use of cryptography and blockchain-based systems and the use and complexity of digital assets such as Arbitrum, GRV and other digital tokens. 1. the market for these digital assets is highly volatile due to factors including, but not limited to, adoption, speculation, technology, security, and regulation. 2. the risk that your digital assets may lose some or all of their value while being offered on the Protocol. 3. we are not responsible for these variables or risks, do not own or control the Protocol, and will not be liable for any resulting losses you experience while accessing or using the Site. Accordingly, you acknowledge and agree that you assume full responsibility for all risks of accessing and using the Site. 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You can find more information in our Cookie Policy. #### #### Intellectual Property Rights We(Whitehole) are the owner of all intellectual property and other rights in the Site and Content, including, but not limited to, software, text, images, trademarks, service marks, copyrights, patents, and designs. All right, title and interest in and to the Site and Third Party Materials, including all Intellectual Property Rights, are and will remain with the respective holders of such rights in and to Whitehole and the Third Party Materials. You have no right or license to use any of the materials contained on the Site or in the Third Party Materials except as expressly authorized under this Agreement, or under any applicable third party license, in each case subject to the requirements and restrictions set forth herein. All other rights in and to the materials on the Site and other Third Party Materials are expressly reserved by Whitehole and its applicable third party licensors. If you qualify, you are granted a limited, single personal license to access and use the Site. This license is non-exclusive, non-transferable, and freely revocable by us at any time without prior notice or cause. Any use of the Site or Content for any purpose not expressly authorized by this Agreement is strictly prohibited. Whitehole Finance is a Uniform Resource Locator ("URL") for Whitehole. You will not use this URL (or any other URL owned by us) on any other website or digital platform without our prior written consent. You agree not to monitor, use or copy our web pages without our prior consent. Unauthorized use or copying may be punishable. You retain ownership of all copyright in the data you upload or submit to the Site. You grant us a worldwide, royalty-free, irrevocable license to use, copy, distribute or publish and transmit this data to the fullest extent permitted by applicable law. #### #### Disclaimers We do not guarantee that the Site is secure or free of bugs or viruses. You are responsible for configuring your information technology, computer programs and platforms to access the Site. You should use your own virus protection software. We cannot promise that your use of the Site or content obtained from the Site will not infringe the rights of third parties. The Site is provided on an "as is" and "as available" basis. to the fullest extent permissible by law, we disclaim all representations and warranties of any kind, express, implied or statutory, including, but not limited to, warranties of merchantability and fitness for a particular purpose. you acknowledge, accept and agree that your access to and use of the site is at your own risk. We do not represent or warrant that access to the Site will be continuous, uninterrupted, timely or secure; that the information contained on the Site will be accurate, reliable, complete or current; or that the Site is free of errors, defects, viruses or other harmful components. No advice, information or representation we make should be treated as creating any warranty regarding the Site. We do not endorse, warrant or take responsibility for any advertising, offers or statements made by third parties in connection with the Site. #### #### Limitation of Liability in no event will we or our officers, directors, employees, contractors, agents, affiliates or subsidiaries be liable to you under or in connection with this agreement, the subject matter of this agreement or the terms of access, for any consequential, incidental, indirect, exemplary, special, enhanced or punitive damages, whether arising in breach of contract, tort (including negligence), strict liability or any other theory of equity, even if such loss or damage was otherwise foreseeable, and notwithstanding the failure of any settlement or other remedy. we will not be liable for any damage, loss or injury resulting from any hacking, tampering or other unauthorised access to or use of the site or any information contained on the site. we will not be liable for any of the following (A) any errors, mistakes or inaccuracies in the Content (B) any personal injury or property damage or acts of God arising out of your access to or use of the Site (C) any unauthorised access to or use of any secure server or database under our control, or any information or data stored therein (D) any interruption or dysfunction with respect to the Site (E) any bugs, viruses, Trojan horses or similar that may be transmitted to or through the Site (F) any errors or omissions in the content available through the Site, or any loss or damage that results from its use (G) defamatory, offensive or unlawful conduct by any third party. in no event will we or our officers, directors, employees, contractors, agents, affiliates or subsidiaries be liable to you for any claim, suit, liability, indemnity, indemnification or compensation obligation or the greater of one hundred us dollars ($100.00) for access to and use of the site. these limitations of liability apply whether the alleged liability is based in contract, tort, negligence, strict liability or any other basis and even if we have been advised of the possibility of such liability. these limitations of liability apply to the maximum extent permitted by law. #### No Professional Advice All information provided on the Site is for informational purposes only and should not be construed or interpreted as professional advice. You should seek independent professional advice from an individual who is licensed and qualified in the field in which such advice is appropriate before taking or refraining from taking any action based on any information contained on the Site, whether financial, legal or otherwise. Nothing contained on the Site constitutes an offer or solicitation to sell or distribute investment and related services to any person in any jurisdiction. From time to time, we may refer to data we have collected. These references may be selective or partial. As markets are constantly changing, all previously published information and data may not be current and should not be relied upon. #### #### Third-Party Links The Site may contain hyperlinks or references to third party websites. Such hyperlinks or references are provided solely for your information and convenience. We have no control over third party websites and are not responsible for the content, materials, or information contained on or available from them. The display of hyperlinks and references to third party websites does not imply our endorsement of such third party websites, products, or services. Your use of third party sites may be subject to the terms and conditions of such third party sites. #### #### Third-Party Product Disclaimer With respect to certain products where we offer the services of third-party partners, we will clearly identify them as "Third-Party Products". These Third Party Products or any links available on the Site are provided "as is" without warranty of any kind, either express or implied, and your use of these Third Party Products is at your own risk. Your use of any Third Party Products or links to Third Party Products on the Site is at your own discretion and risk, and you agree that you will be solely responsible for any damage to your computer system or loss of data that results from such activity. You are solely responsible for adequate protection and backup of data and equipment used in connection with such third-party products, and you agree that we will not be liable for any damages incurred by you. You may experience difficulties in connection with downloading, installing, using, modifying or distributing such third-party products. no oral or written advice or information obtained by you from us or on the site creates any warranty as to such third party products. we are not responsible for any errors or omissions in any third party products, software or documentation available on the website. in no event will we be liable to you or any third party for any special, punitive, incidental, indirect or consequential damages or any damages of any kind, including, without limitation, damages for loss of use, loss of data or loss of profits. **General** We may use third parties to perform our obligations and exercise our rights under this Agreement. We may assign some or all of our rights and obligations under this Agreement to a third party. If any provision or portion of this Agreement is found by a court of competent jurisdiction to be illegal, invalid, unenforceable or void, it will be severed from this Agreement and the remaining provisions will remain in full force and effect. However, the severance does not change the basic nature of this Agreement. No single or partial exercise, or failure or delay by us in exercising any right, power or remedy, shall constitute a waiver by us of this Agreement and of any such right, power or remedy arising hereunder, or prevent or preclude any further exercise of such right, power or remedy; condition or otherwise. All disclaimers, limitations, indemnities and exclusions in this Agreement will survive any termination of the Terms and, to the fullest extent permitted by law, will continue to apply during any interruption or period of your inability to use the Site. For Any Reason. This Agreement and the documents referenced herein set forth the entire agreement between you and us with respect to your access to and use of the Site, Whitehole and the services offered through the Site and supersede all prior or contemporaneous representations, communications or agreements (whether written or oral) between you or us. Any dispute, controversy or claim arising out of or relating to this Agreement (including its validity, invalidity, breach or termination) may be referred by either party, after good faith negotiations, for final and binding resolution by arbitration in accordance with the Arbitration Rules. Singapore International Arbitration Centre ("SIAC"), which shall be deemed to be incorporated by reference. The arbitral tribunal will consist of a sole arbitrator appointed in accordance with the then effective rules of the SIAC. The language of the arbitration hearing will be English and the place or legal venue of the arbitration will be Singapore. The governing law will be the laws of Singapore. As to all persons and entities, any dispute, controversy or claim, whether or not arising out of the acquisition or use of the Site for personal, commercial or other purposes, must be brought in the individual capacity of the party and not as a plaintiff or class member in a class action, collective action or other representative proceeding. This waiver applies to class arbitrations, and unless we agree otherwise, the arbitrator may not consolidate any one person's claims. By entering into this Agreement, you agree that you and Whitehole each waive the right to a trial by jury or to participate in a class action, collective action or other representative proceeding of any kind. {% endtab %} {% tab title="Privacy Policy and Cookie Policy" %} We appreciate your trust in how information about you is used and shared. This Privacy Policy, together with our Terms of Use, describes and governs how we and our affiliates (collectively, "Whitehole") collect and process your personal information. By using the Whitehole Finance website, you consent to the practices described in this Privacy Policy. We may update this Privacy Policy from time to time. We will notify you of any changes by posting the most current Privacy Policy on the Site. Please visit the Site periodically to check for changes. Changes to this Privacy Policy are effective when they are posted on the Site. #### #### Types of Personal Information Collected The types of personal information you may provide to us include, but are not limited to, the following Contact information: name, address, phone number, email address Personal Information: Your location information, date of birth, and government-issued identification. Automatic Information: We automatically collect and store certain types of information about your use of the Site, including information about your interactions with the content and services available through the Site. Information from other sources: We may receive information about you from other sources, such as Google Analytics for the purpose of monitoring web traffic, and such information collected through third-party sources is controlled by the third party that collected it. #### #### Use of Your Personal Information We use the personal information you provide to us for one or more of the following purposes Provide you with services efficiently and effectively through the Site. Inform you about our lending and finance features. **Process billing and collection** Keep you informed about any developments, including changes and improvements to the Site. Develop, enhance, market and provide the Services to you. Understand your needs and eligibility for the services we provide. Communicate with you through the Site; and fulfil our legal and regulatory requirements. **Consent, Use of Cookies and Disclosure of Your Personal Information** Consent is required for the collection and subsequent public use of personal information. The form of consent may vary depending on the circumstances and the type of personal information we obtain. By agreeing to our Terms of Use, you consent to our collection and use of your personal information as described in this Privacy Policy. We reserve the right to use and disclose your personal information without your knowledge or consent to the extent permitted by applicable law. If you wish to withdraw your consent, you must give us reasonable advance notice. We will inform you of the consequences of withdrawing your consent (for example, you may not be able to use many of the services available on the Site without your personal contact information). We use "cookies" to collect information about your online activities on the Site. A cookie is a small text file created by a site that is stored on your computer to provide a way for the site to recognise you and track your preferences. Cookies make it convenient for you to not have to re-enter the same information when you return to a site or fill out an electronic form. Most of the cookies we use are "session cookies" that are automatically deleted from your computer's hard disk at the end of your session. You can choose not to accept cookies by turning this feature off in your web browser. If you do, you may not be able to use some features of the Site. We will only use personal information for the purposes set out at the time you provide it to us and/or for the purposes set out in this Privacy Policy and/or as otherwise permitted by law. We may provide personal information you provide to us to our affiliates, agents, representatives, service providers and contractors for these purposes. We also do so to enforce our Terms of Use, take precautions against liability or harm, investigate and respond to claims or allegations by third parties, comply with court orders or official requests, protect our security or integrity, and protect the rights, property, or safety of Whitehole, our use, or others. We may share your personal information with financial dispute resolution organisations, other law enforcement agencies, regulators, courts, arbitration bodies and dispute resolution schemes as may be required by law. If you request in writing, we may share your personal information with your nominated advisors. Except where disclosure of your personal information is required by law or requested by you, we will generally require third parties who receive or have access to personal information to protect such personal information and to use it only to perform the services they perform for you or us, unless otherwise required or permitted by law. We will take reasonable steps to ensure that such third parties are aware of our obligations under this Privacy Policy and that any agreements we enter into with such third parties bind them to terms no less protective of personal information disclosed to them than our obligations. We will comply with any obligations imposed on us under this Privacy Policy or under applicable data protection laws. If we are involved in a merger, acquisition, sale, bankruptcy, insolvency, reorganisation, administration, transfer or change of control or application of law, your information may be disclosed to another entity in connection with such event. . We reserve the right to retain and share certain personal information to meet regulatory and legal requirements. We also reserve the right to retain and share certain personal information with our corporate partners and third parties acting on our behalf. Personal information and other related data may be exported outside the jurisdiction in which you reside. Your personal information may be processed and stored in foreign countries. In such circumstances, the government, courts, law enforcement or regulatory authorities of that country or countries may have access to your personal information through applicable law. You should be aware that the privacy standards in those countries may be lower than the privacy standards in the jurisdiction in which you reside. You should be aware that you are not obligated to provide us with your personal information, but if you choose not to do so, we may not be able to provide you with the Services or your access to our Services may be restricted. Arbitrum one chain and other public blockchains provide transparency for transactions and we are not responsible for preventing or managing information broadcast on the blockchain. We are committed to protecting your privacy. Our systems and data are protected by market-leading security features and are constantly under review to ensure you receive the best possible service. We have implemented appropriate information security and technical measures (such as data encryption, firewalls and secure network protocols) to protect the personal information we hold about you from loss. misuse; destruction; unauthorised alteration/modification, access, disclosure; or similar risks. Security and technical measures are reviewed from time to time in light of legal and technological developments; however, we do not guarantee that such misuse, loss, unauthorised access, modification or disclosure will not occur. You should take protective measures, including, but not limited to, regularly changing your passwords and not sharing your personal information with others unless you clearly understand the purpose of the request and know who you are dealing with. We have also taken reasonable and appropriate organisational measures to maintain the confidentiality and integrity of your personal data and will only share data with authorised persons on a 'need to know' basis. When we engage third party data processors to process personal data on our behalf, we will provide sufficient assurance that they have implemented the necessary organisational and technical security measures and have taken reasonable steps to comply with these measures. We will not retain your personal information when it is no longer required for business or legal purposes as described in this Privacy Policy and our legal and regulatory requirements. Personal information collected for other purposes will be disposed of from time to time in accordance with our retention policy. If we have reached our retention limits, we will dispose of or destroy the relevant documents containing your personal information in an appropriate and secure manner. If you find that the personal information we hold about you is inaccurate, incomplete, misleading or out of date, you can request that we correct the data. We may need to verify your identity before agreeing to your request. We will respond to your request as soon as possible and, where possible, we will let you know how long we need to do so and provide you with an estimate of how long it will take. You can also request the deletion or destruction of your personal information, account details or transaction details by emailing us. We will only take action if your request is not inconsistent with our legal and regulatory obligations and compliance procedures. Upon your written request, we will inform you about our use and general disclosure of your personal information. Depending on the nature of your request, you may be charged a minimal fee to access your personal information. Users under the age of 13 must seek and obtain parental consent to use this Site. We do not knowingly collect or store personal information about children under 13 without verifiable prior parental consent. If we believe that such information has been collected in error or inadvertently, we will take the necessary steps to remove such information from our database. There may be links on the Site to other sites and resources provided by third parties. This Privacy Policy applies only to the Site. You must leave the Site to access any such third party sites or sources. We do not control such third party sites or the content on them, and you agree that we shall not be responsible or liable for any such third party sites, including, without limitation, any content, policies, failures, promotions, products, services or actions available on or through such sites, and/or any damage, loss, failure or issue caused or alleged to be caused by or in connection with such sites. We encourage you to review all policies, rules, terms, conditions, and regulations, including the privacy policy, of each site you visit. {% endtab %} {% tab title="Risks" %} Whitehole Finance is an on-chain, decentralised landing platform. The use of the Whitehole Finance Lending Protocol is subject to the following risks If the value of your borrowed assets exceeds your borrowing capacity, your position will be liquidated if the value of the assets deposited as collateral declines or the borrowed assets may rise. For more information, refer back to the Liquidation section. Borrowers can closely monitor their position and liquidate before it reaches the liquidation level. The liquidation threshold (LTV) and maximum loan-to-value ratio are the same, but the "Safe Maximum (LTV)" option provides borrowers with a percentage indication of the threshold and safe level. Whitehole Finance also gives borrowers the opportunity to take action during the interim period when the value of the borrower's asset rises above the maximum loan-to-value ratio and remains below the liquidation threshold. By providing liquidity to Whitehole Finance, you acknowledge that you are subject to various risks of loss, including losses due to token price fluctuations while your digital assets are supplied to the Whitehall landing pool (money market) and the fact that you may be exposed to the risk of temporary illiquidity due to increased utilisation. Before using Whitehole Finance, you should review the relevant documentation to ensure that you understand how Whitehole Finance works and that it is functioning properly. Users can access Whitehole Finance via multiple web or other protocols. Participants are responsible for reviewing for themselves the fees charged by these interfaces and the risks they may incur by using third-party services. The development and updating of Whitehole Finance seeks to be governed by decentralised voting or consensus methods, and the developers and governance participants of Whitehole Finance disclaim any direct or indirect commitments, warranties or guarantees with respect to any related protocols, code, services, etc. to the fullest extent permitted by law. No developer or entity involved in creating Whitehole Finance will be liable for any damages or claims for money, tokens, or anything else of value, nor will they be liable for any direct, indirect, incidental, special, or punitive damages arising out of your interactions with other users within Whitehall Finance. {% endtab %} {% endtabs %} # Contract ![](https://1758827692-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FsIJTurXS2Otyo0xctmQf%2Fuploads%2FUYPCO5W1OHgH9NxEkBy1%2FGRV%20Token.png?alt=media\&token=08f9a07d-0a6a-46c9-bd9e-daa5f227adc4) Name: Gravity\ Ticker: GRV\ Chain: Arbitrum\ Max supply: **1,000,000,000 GRV**\ Contract: 0x10031e7CFf689de64f1A5a8ECF4fBBc7Aa068927 # Whitehole Finance Contract Address nftOracle : 0x02A2a1396D595F89AeD81a06AFdc514AECD88097\ nftCore : 0xCaaa8DB56b5520BBfDB6D29d4D2fC5d0Edc57300\ lendPoolLoan : 0xC7CCD8276D18b9FF477B193bbc2521bd0EE19689\ nftValidator : 0x59dFeBAF68821F496Cd7D56C83508d2ca45BfAaE\ \ gSMOLBRAIN : 0x565c9ebd5083cA4C631Ecf632bDAb005BA4bDE08\ gLILPUDGYS : 0x4d484f6C24B59b21aeEF853C3b719168B53A2992\ \ core : 0x1D019f2d14bdB81bAb7BA4eC7e20868e669C32b1 \ grvToken : 0x10031e7CFf689de64f1A5a8ECF4fBBc7Aa068927\ locker : 0xa4717568172358CFDbBAA8C0E38A44185c090F52\ validator : 0x595F1Aa373f2281bbA1e9F0A9acC7eD7FC52A7f1\ grvDistributor : 0xe60FE5f87E8dd0D0C4101ADC32073c3E3D756712\ \ priceCalculator : 0xF96D53E57B8D23638Bf75f29367806cDe0937651\ rebateDistributor : 0xF699B37b96cd6d900E750306b93F9CED29B07046\ ecoScore : 0xbdbb0E776C20898F5292730a5D02c014e53210A5\ \ dashboard : 0x69bD5F8CDD179cF27259088a8E4E068F3d88a14b\ voteController : 0xdf5e4c17ed0f8933F5c1378c2f4b85d2277F3489 priceProtectionTaxCalculator : 0xdEbA4Bba368D138FE4Cda96B68540CC145685A2e\ WETH : 0x82aF49447D8a07e3bd95BD0d56f35241523fBab1\ \ whiteholeFactory : 0xf7304B14036118dE12DbAb3c36b201A587990e75\ whiteholeRouter : 0x6E90aca697d7eB6Ed3C81fd56dDB7eE17299BB10\ GRV\_USDC\_PAIR : 0x7C3BbCbA5867b8C6c5E0E636081902A99C44d00a\ lpVault : 0xD2E6CE5bf0fbb97E5732d6e9Bfd9A582b30D2889\ zap : 0x98D99C9Eb294448C2698D08B2b73736ee2cB395f\ \ gETH : 0x0aC8003FD855f8b5bC3738CBedFdA5211629aB7D\ gWBTC : 0x0C262f137a5B80b042e8AAA763404b8A40Da71E8\ gDAI : 0xC6Db34086f4a657Df7D0c9D6910CD51F13E82d31\ gUSDT : 0xAaC9cB4b34B002279955Df9CF2e637Bc66128d61\ gUSDC : 0xD8fD0886Ef16fE8FBD1771b6AE6B9A5B4Be228E1 \ gARB: 0x4E3cf9F44af72eB6726921fFbF3488074e24835a\ \ RateModelSlope\_0\_10\_100\_65 : 0x0b8F05B779281482840330979475a3DFc5ae48e7\ RateModelSlope\_0\_12\_100\_60 : 0x3a6761B029977631cf5173573B82c499457347f3\ RateModelSlope\_0\_14\_120\_50: 0x50abda25C3ce11e9659547eBf93f359090cEF80e\ RateModelSlope\_0\_8\_75\_75 : 0x1A7ea143F4AdB355Ba31f6e6b1077fd140E15164\ RateModelSlope\_0\_9\_80\_70 : 0x9fFFF592334060FDE1a2cF56aF72EAC07A0E8417 # Audit
Audit Report : \