Aurora Stack / Sundown

Sundown bringsverified discoveryto P2P credit markets.

Built with Sundial, Sundown adds identity proofs, compliance indexing, and lender-side filtering to Cardano P2P lending infrastructure.

View Architecture Explore Pilot

Built with Sundial

Identity proof metadata

Lender filtering

Ecosystem

Built alongside Cardano-native partners.

Partnership

Built with Sundial.

Sundown is Aurora's Fairway x Sundial layer for discoverable, filterable on-chain loans.

Fairway

Identity

Sundial

Lending

Sundown

Verified discovery layer.

Identity proofs · indexer · lender filtering.

Aurora credit stack

Bitcoin-backed, on-chain credit.

Identity · scoring · discovery · issuance.

Sundown is the partnership surface where Fairway's identity layer meets Sundial's lending infrastructure. Both feed Aurora's broader credit stack.

View Architecture Explore Aurora Stack

What Sundown Is

A verification & discovery layer for P2P credit.

Sundown does not rebuild lending rails. It adds verification and filtering around them.

Discovery layer

Surfaces compatible loan opportunities for verified participation.

Indexes loan requests across the base market and exposes filtered views for lenders.

Compliance-aware indexer

Parses loan metadata, verifies proofs, checks issuer status.

Off-chain service that validates proof envelopes, expirations, and issuer authority before exposing data.

Lender filtering

Define accepted proofs, issuers, jurisdictions, and risk bands.

Per-lender policies stored alongside the indexer; the verified market view respects each lender's rules.

Metadata standard

Identity proofs attach to loan requests as structured metadata.

An open envelope schema for proofs, issuers, expirations, and verification anchors. No base contract changes.

Reference frontend

Open components for borrowers, lenders, proofs, and dashboards.

Next.js / React components covering the full verified discovery flow, ready to be embedded by partners.

Fairway × Sundial layer

Connects Fairway identity with Sundial lending infrastructure.

Sundown is the partnership surface where verified identity meets Cardano-native P2P credit rails.

Core Flow

From request to verified market view.

Identity proofs travel as structured metadata. Lenders see a filtered, eligibility-aware view.

Step 01

Borrower

Holds verifiable credentials

Step 02

Loan Request

Published to base market

Step 03

Identity Proof Metadata

Attached as structured tx metadata

Step 04

Compliance Indexer

Parses, validates, exposes API

Step 05

Lender Filter

Issuer · proof · jurisdiction

Step 06

Verified Market View

Eligible loans surface to lenders

Step 01
Borrower
Holds verifiable credentials
Step 02
Loan Request
Published to base market
Step 03
Identity Proof Metadata
Attached as structured tx metadata
Step 04
Compliance Indexer
Parses, validates, exposes API
Step 05
Lender Filter
Issuer · proof · jurisdiction
Step 06
Verified Market View
Eligible loans surface to lenders

Proofs ride beside the transaction · Base contracts unchanged

Architecture

Three layers. Clear boundaries.

Sundown is the middle layer. It does not own the base market and does not own credential issuance.

Interface

Sundown

Fairway × Sundial extension

Identity, discovery, indexing, filtering.

View example payload

{
  "loan_request_id": "lr_8a32f1",
  "borrower": {
    "wallet": "addr1q…",
    "proofs": [
      { "type": "kyc",        "issuer": "veridian:eu",   "exp": "2027-03-12" },
      { "type": "jurisdiction","issuer": "veridian:eu",   "value": "EU" },
      { "type": "entity",     "issuer": "fairway:legal", "kind": "fund" }
    ]
  },
  "compliance": {
    "scheme": "sundown.v1",
    "verifier": "indexer.fairway.global",
    "verified_at": "2026-05-04T12:08:00Z"
  }
}

Handles

Identity proof metadata standard
Compliance indexer
Lender filtering interface
Reference frontend components

Lender Filtering

Compliance rules, defined by the lender.

Each lender filters by proof type, issuer, jurisdiction, and risk band. The verified market view updates instantly.

Lender filters

2 matched · 5 indexed

Proof type

Issuer

Jurisdiction

Risk band

Verified only

Verified market view

₳ 24,500 · 90d
lr_8a32f1 · KYC · Veridian · EU · risk A
Eligible
₳ 80,000 · 180d
lr_4f12da · KYC · Veridian · EU · risk A
Eligible

Backed by

Backed by ecosystem programs and grants.

Backed by · ecosystem support

Logos represent ecosystem programs, accelerators, and grant support.

FAQ

Quick answers about scope.

The questions partners and reviewers ask first.

What is Sundown?

Sundown is the Fairway × Sundial discovery, compliance indexer, lender filtering, and identity-proof layer for P2P credit markets on Cardano.

Is Sundown the same as Aurora?

No. Aurora is the full Bitcoin-backed credit-market stack. Sundown is one layer inside Aurora.

Does Sundown replace Sundial?

No. Sundown is built with Sundial and works with Sundial's lending infrastructure. It does not replace the base lending stack.

Does Sundown change Cardano lending contracts?

No. Sundown attaches identity proofs as metadata and verifies them off-chain through an indexer. Base contracts remain unchanged.

Does Sundown store personal data?

No. Sundown is designed around proof verification, selective disclosure, and indexer-based validation. Sensitive personal data remains with issuers or credential holders.

Can lenders define their own compliance rules?

Yes. Lenders filter opportunities by proof types, issuers, jurisdiction, and other eligibility criteria.

Permissionless or permissioned?

The base market remains permissionless. Sundown adds verified views and filtering for participants who require compliance.

What about identity issuer or integration risk?

Sundown supports multi-issuer credentials with transparent issuer criteria. Identity extensions are tested before full base-layer rollout, and participants choose which proofs and policies they accept.

Get involved

Build verified credit markets without fragmenting liquidity.

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