SigmaFi

SigmaFi is a suite of peer-to-peer financial contracts that enable direct lending and borrowing between Ergo users without intermediary pools. The flagship product, SigmaBonds, allows users to create custom debt obligations with flexible terms negotiated directly between lender and borrower.

Unlike pooled lending protocols, SigmaFi's P2P model gives participants full control over loan terms including interest rates, duration, and collateral requirements. Lenders can specify exactly what returns they require, while borrowers can find terms that match their needs. Smart contracts enforce repayment schedules and handle collateral liquidation if necessary.

The protocol demonstrates advanced ErgoScript capabilities for implementing complex financial logic. Each bond is represented as a UTXO with embedded contract terms, creating transparent and verifiable debt instruments. SigmaFi explores how traditional finance concepts like bonds and notes can be reimagined in a trustless, decentralized context.