The RWA Collateral Enforcement Layer

The Programmable
Collateral & Liquidation
Infrastructure for
Real World Asset Credit

Collatera unifies collateral registration, continuous monitoring, covenant enforcement, and liquidity coordination across connected lending networks.

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Trusted by builders & institutions

◆ Meridian⬢ NorthVault◉ Ledgerline▲ Atlas Credit✦ Fenwick & Co
How Collateral Works

A Complete Cycle for RWA Collateral

1

Register

Tokenized assets are registered with legal, custody, and schema information.

Legal wrapperCustody proofAsset schemaCREGISTERED
2

Finance

Lender lock and pledge collateral. State transitions to LOCKED & PLEDGED.

🔒 LOCKED✦ PLEDGEDCREDIT DRAWN · 62% LTV
3

Monitor

Continuous health proofs ensure collateral meets predefined covenants.

COLLATERAL HEALTH98.2%LIVECOVENANT THRESHOLDProof #4821 ✓Proof #4822 ✓Proof #4823 ✓
4

Enforce

On breach, the asset moves through a programmable enforcement lifecycle.

!COVENANT BREACH DETECTEDLTV exceeded 80% · asset #0x94F2NOTICEt + 0hCURE WINDOWt + 48hSEIZEt + 72h
5

Recover

Liquidation engine coordinates auction, recovery, and settlement to the lending venue.

DUTCH AUCTIONBid 0x71aC$1.24MBid 0x3eB9$1.21MBid 0xD04f$1.18M✓ SETTLED · $1.24MRecovery rate 96.8%Senior lenderJunior trancheBorrowerWaterfall complete
Built for Real World Finance

Use Cases That Unlock Real Value

🌾⛏️WAREHOUSE RECEIPTQuantity · 240t ✓Quality · Grade A ✓Storage · Bonded ✓Insurance · Active ✓

Commodities Finance

Warehouse receipts for coffee, grains, metals & more. Continuous monitoring of quantity, quality, storage & insurance.

ZK ATTESTATION VERIFIED

Private Credit

Loan portfolios with privacy-preserving performance attestation for refinancing & collateral monitoring.

TITLE ✓ · LIEN ✓ · VALUATION ✓

Real Estate

Title, liens, valuation, insurance & payments covenants coordinated.

INVOICE #8841✓ CURRENTLETTER OFCREDIT ✓PAYMENT STATUSON SCHEDULE

Trade Finance & Receivables

Invoice, receivables, letter of credit & more. Monitored against payment status, maturity & obligor performance.

Built for Real World Finance

Your Questions, Answered

What is Collatera?

Collatera is a programmable collateral and liquidation infrastructure for real-world asset credit. It unifies collateral registration, continuous monitoring, covenant enforcement, and liquidity coordination across connected lending networks.

What problem does Collatera solve?

RWA lending today relies on fragmented, manual processes for tracking collateral health and enforcing covenants. Collatera replaces this with a single programmable layer — so breaches are detected instantly and enforcement follows a transparent, predefined lifecycle.

How do Collatera Health Proofs work?

Health Proofs are continuous attestations that collateral still meets its predefined covenants — value, quality, insurance, custody, and payment status. Oracles and verified data providers submit proofs on a fixed cadence; a missed or failed proof automatically triggers the enforcement lifecycle.

How does liquidation work?

On an uncured breach, the liquidation engine takes over: the asset is seized per its legal wrapper, auctioned through the configured venue, and proceeds are settled down the repayment waterfall — senior lenders first, then junior tranches, with any surplus returned to the borrower.

Can assets be financed across different blockchains?

Yes. Collatera coordinates collateral state across connected lending networks, so an asset registered on one chain can back credit lines on another while a single canonical record prevents double-pledging.

Can any asset be used as collateral?

Any tokenized real-world asset with a verifiable legal wrapper, custody arrangement, and data schema can be registered — commodities, private credit portfolios, real estate, trade receivables, and more. Each asset class ships with a covenant template you can customize.

Built for Real World Finance

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