01
Identity-Native Markets
Attach reusable credentials and KYC proofs to market participation without repeating onboarding.
A layered credit stack for Bitcoin
Buildingon-chaincredit marketsfor Bitcoin.
Aurora is the identity, credit, and bond layer for Bitcoin-backed lending markets built with Sundial on Cardano, secured with 2K.
Trusted Ecosystem
Fairway
Sundial
Cardano
Midnight
Veridian
CIP-113Bitcoin Collateral
Verified Participants
Credit Inputs
Tokenized Loans
2K-Ready Compliance
Market Intelligence
Bitcoin credit is becoming market infrastructure.
Collateral demand is visible. Institutional scale depends on identity, credit visibility, discovery, and compliant instruments.
The Opportunity
$846T
Global credit markets represent one of the largest opportunities to move real financial activity on-chain.
Growing Rapidly
$720M+
Bitcoin-backed on-chain lending markets continue expanding as institutions seek productive BTC capital.
02
Privacy-Powered Credit
Use ZK-enabled financial inputs to improve underwriting while protecting sensitive borrower data.
03
Tokenized Debt Rails
Turn loans into programmable credit instruments designed for compliant ownership.
Institutional BTC. Verified counterparties. Programmable credit.
Aurora turns Bitcoin collateral into identity-aware, discoverable, tokenized credit markets.
Layered On-Chain Credit
Credit Without
Legacy Friction
Collateral alone is not enough for institutional credit markets.
Lenders need to know who they are lending to, evaluate borrower quality, filter opportunities, and satisfy internal policy requirements.
Aurora provides the missing infrastructure: identity, credit inputs, loan discovery, and programmable issuance for Bitcoin-backed lending.
Polaris Wallet
Portable identity credentials for KYC, accreditation, and reusable onboarding.
Aamu Aurora
Zero-knowledge powered qualification signals from public and private financial data.
Sundown
Fairway and Sundial market layer for discoverable and filterable on-chain loans.
Aurora Capital Markets Framework
Granular participation.
Compliant by design.
Aurora separates access, risk inputs, market discovery, and issuance so institutions can map policy requirements into on-chain credit workflows.
Identity
Credit
Markets
Issuance
Polaris Wallet
Identity
Verified access
Aamu Aurora
Credit
Risk inputs
Sundown
Markets
Loan discovery
Solstice Aurora
Issuance
Tokenized bonds
Eligible Counterparty Framework
Granular eligibility. Policy-aligned by design.
Jurisdiction
Configurable
KYC Level
KYC / KYB Verified
Entity Type
Custodian / Fund / Institution / DAO
Risk Profile
Low / Medium / High
Instrument Access
Loans / Bonds / OTC
Verifiable
Identity-first participation
Compliant
Policy-aware access
Discoverable
Market-ready opportunities
Programmable
Institution-grade issuance
Why Cardano
Structured credit needs deterministic financial infrastructure.
Aurora is built on Cardano because institutional credit markets require predictable execution, programmable assets, and transaction-level structure.
Extended UTXO Model
Cardano's extended UTXO architecture enables structured, predictable financial transactions with clear validation rules.
Metadata-Rich Transactions
Identity proofs, credit signals, and loan metadata can be attached to transaction flows without turning the chain into a centralized database.
Native Assets
Credit instruments and tokenized bonds can use Cardano native assets, reducing unnecessary smart contract complexity.
Deterministic Execution
Predictable settlement and validation align with institutional expectations for financial infrastructure.
Aurora is built on Cardano because institutional credit markets require structure, determinism, and programmable assets.
Four Layers for Programmable Bitcoin Credit
Identity, credit, discovery, and issuance.
Aurora is not a Bitcoin L2, base layer, or standalone lender. It is layered credit market infrastructure built on Cardano and integrated with Sundial.
Layer 01
KYCKYBSSI
Polaris Wallet
Identity Layer
SSI-based identity infrastructure for KYC / KYB, verifiable credentials, and zero-knowledge proofs. Polaris Wallet enables participants to prove eligibility without exposing unnecessary raw data.
SSI credentialsKYC / KYBReusable onboarding
Layer 02
Signal setSignal 1
Signal 2
Signal 3
Signal 4
Signal 5
ZK
Aamu Aurora
Credit Inputs
Aamu Aurora turns off-chain financial and borrower data into privacy-preserving credit signals using ZK-TLS and proof-based verification.
ZK-TLSCredit signalsPrivate inputs
Layer 03Most Important
Sundown
Credit Market Discovery Layer
Sundown is the Bitcoin-backed credit market layer built in collaboration with Sundial. Sundial provides Bitcoin liquidity and base infrastructure. Aurora extends that foundation with identity, credit inputs, loan discovery, and compliance-aware market participation.
- UTXO-based loan requests with borrower metadata
- Filtering by jurisdiction, credentials, borrower type, and risk profile
- Verified counterparty discovery before lending participation
- Built on Cardano extended UTXO, metadata support, and deterministic execution
UTXO loan requestsPolicy filtersOrderbook-style matching
Layer 04
CIP-113
Holder ruleTransfer gate
Solstice Aurora
Issuance Layer
Solstice Aurora enables tokenized bonds and structured credit instruments using Cardano programmable token standards, including CIP-113.
- Identity-gated ownership
- Compliance-aware enforcement
- Aurora provides infrastructure, not the license
CIP-113Tokenized bondsTransfer restrictions
Built in Collaboration
Powered by Sundial.
Realized through Sundown.
Aurora is not competing with Sundial. It extends Sundial's Bitcoin liquidity infrastructure with the credit market layers institutions need.
Liquidity from Sundial. Markets through Sundown. Infrastructure by Aurora.
Sundial
BTC liquidity
Sundown
Market layer
Aurora Credit Layers
Identity, credit, issuance
Sundial
- Bitcoin liquidity
- Base infrastructure
- Bitcoin-backed lending foundation
- Liquidity coordination
Aurora
- Identity and KYC / KYB credentials
- Credit signals and borrower inputs
- Loan discovery and filtering
- Tokenized credit issuance
Together, Sundial and Aurora enable Bitcoin-backed lending to move from collateral-only borrowing into verified, discoverable, policy-aware institutional credit markets.
Built for Trust
Trustless where possible.
Compliant where required.
Aurora combines Cardano-native settlement, verifiable credentials, privacy-preserving credit signals, and programmable issuance to support institutional Bitcoin-backed lending.
The goal is not to remove institutional requirements. The goal is to make them programmable, verifiable, and compatible with on-chain credit markets.
100%
Self-custody aligned
0
Repeated KYC loops
4
Composable layers
<30s
Instant market discovery
Build the infrastructure for Bitcoin credit.
Join institutions and developers building verified, discoverable, and compliant Bitcoin-backed lending markets on Cardano.
Request AccessFAQ
Frequently Asked Questions
Aurora is infrastructure for verified, discoverable, tokenized Bitcoin-backed credit markets. It is not an L2, lender, broker, or replacement for Sundial.
What is Aurora?
Aurora is layered credit market infrastructure for Bitcoin-backed lending. It provides identity, credit inputs, loan discovery, and tokenized issuance layers built on Cardano.
Is Aurora a Bitcoin L2?
No. Aurora is not a Bitcoin L2 or base layer. It sits above existing infrastructure and enables institutional credit workflows around Bitcoin-backed lending.
Does Aurora compete with Sundial?
No. Sundial provides Bitcoin liquidity and base infrastructure. Aurora extends that stack with identity, credit signals, loan discovery, and programmable credit issuance.
How does Aurora work with Sundial?
Sundial provides Bitcoin liquidity infrastructure. Aurora adds identity, credit inputs, discovery, and tokenized issuance. Sundown is the market layer where those capabilities become usable.
What chains does Aurora support?
Aurora is built on Cardano first because Cardano's extended UTXO model, metadata support, native assets, and deterministic execution are well suited for structured financial transactions. The architecture may support future multi-chain expansion where appropriate.
Why is Aurora built on Cardano?
Cardano's extended UTXO model, metadata support, native assets, and deterministic execution make it well suited for structured financial transactions and programmable credit instruments.
What is Polaris Wallet?
Polaris Wallet provides reusable SSI-based credentials for KYC, KYB, accreditation, and verified market participation.
What is Aamu Aurora?
Aamu Aurora converts off-chain financial and borrower data into privacy-preserving credit inputs using ZK-TLS and proof-based verification.
What is Sundown?
Sundown is Aurora's credit market discovery layer built in collaboration with Sundial. It enables UTXO-based loan requests, borrower metadata, credential-aware filtering, and orderbook-style matching.
Does Aurora issue loans or act as a lender?
No. Aurora provides infrastructure. Institutions, issuers, and regulated entities use Aurora's tools within their own legal, licensing, and compliance frameworks.
What is Solstice Aurora?
Solstice Aurora is Aurora's issuance layer for tokenized bonds and structured credit instruments using Cardano programmable token standards such as CIP-113.