Templar Protocol

Templar Protocol

Zero-interest lending protocol utilizing Chain Abstraction to serve markets on any chain. Built on NEAR Protocol

About Templar Protocol

Templar – The First Cypher Lending Protocol

Meet Templar, the first Cypher Lending Protocol — a decentralized lending platform. With Templar, you can borrow U.S. dollars (via stablecoins) against your Bitcoin or other assets without any Trusted Third Parties. There’s no central party holding your collateral; instead, an MPC network and smart contracts ensure your Bitcoin will never be frozen or seized.

What makes Templar different? It’s cypherpunk to the core—NOT institutional. Key features include:

  • Permissionless: No accounts, no credit checks, no invasive KYC. Anyone, anywhere can use Templar directly from their wallet. Borrowing, lending, and deployment of markets and vaults, will be permissionless.

  • Open Source & Unstoppable: The rules are enforced by open-source code—no backdoors or ā€œtrust usā€ admins as contracts are non-upgradable. Running on decentralized rails means it can’t be easily shut down.

  • Private: Templar does not require users to connect a wallet and does not collect any information from them. The ability to interact by just sending and receiving, rather than requiring an onchain wallet to connect, also improves the UX for users who aren’t onchain native. Templar will implement markets that support Differential Privacy based on the work by Tarun Chitra et. al. to prevent predatory liquidations, privacy pools which only accept specific denominations of assets and utilize ZK proofs to protect users’ onchain privacy, and more.

In summary, Templar enables finance the way it should be: get access to a medium of exchange backed by a store of value. It fuses cutting-edge MPC networks with cypherpunk ideals. Borrow against your Bitcoin without surrendering custody to a Bank or Exchange. With Templar, you leverage your assets on your terms with no one standing in the way.

Be Your Own Bank

Templar isn’t just a product, it’s a movement. Our vision: a world where you can be your own Bank. In the past, Swiss accounts were the elite’s escape; in the future, Templar will enable everyone to enjoy that level of privacy and self sovereignty in their pocket.

https://x.com/TemplarProtocol/