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Lending Model

The RWA NFT contract is the main contract of the Taker protocol. Also known as lendingV2 contract in Taker Protocol. It exposes all the user-oriented actions that can be invoked using either Solidity or web3 libraries
The lendingV2 contract includes the following types of methods: 
1.Borrow, Repay, Liquidate. Users can use these methods to complete basic lending operations.
2.CancelOffer, CancelOffers, CancelAllOffers. Users can use these methods to invalidate a signed offer.
3.RefinanceByLender, RefinanceByBorrow. The lender and borrower can use these methods to initiate a debt transfer.
4.StartDebtTransfer. The lender can use this method to seek debt transfer from other individuals.
5.RefinanceDebtTransferByNewLender, RefinanceDebtTransferByOther. After the lender executes the "StartDebtTransfer" method, the new lender and a third party can use these two interfaces for debt transfer. The lender and borrower would need to passively accept the debt transfer.
Method
Borrow
function borrow(
    LoanOffer calldata offer,
    bytes calldata signature,
    uint256 loanAmount,
    uint256 tokenId
) external;
The borrower initiates a loan request based on the loan offer. According to the offer's details, the borrower will either withdraw ETH from the ETH pool pre-deposited by the lender or extract ERC20 tokens from the lender's pre-authorized ERC20 token balance.
call params
Name
Type
Description
offer
​LoanOffer​
A custom structure that encompasses all the loan offer information.
signature
bytes
The lender signs the loan offer to verify its authenticity and validity.
loanAmount
uint256
The amount of funds the borrower wishes to borrow.
tokenId
uint256
The token ID of the collateral. 
repay
function repay(
    LoanOrder calldata order, 
    uint256 orderId
) external payable;
The borrower repays the loan. If the repayment is in ETH but hasn't been explicitly provided through this method, it can be deducted from the pre-deposited funds in the ETH pool. However, if the repayment is in a standard ERC20 token, the borrower needs to grant authorization in advance for the repayment.
call params
Name
Type
Description
order
​LoanOrder​
A custom structure that encompasses all the loan order information.
orderId
uint256
The id of loan order.
liquidate
function liquidate(
    LoanOrder calldata order,
    uint256 orderId
) external;
When a loan defaults, the lender has the option to liquidate the collateral.
call params
Name
Type
Description
order
​LoanOrder​
A custom structure that encompasses all the loan order information.
orderId
uint256
The id of loan order.
cancelOffer
function cancelOffer(
    uint256 salt
) external;
The lender's created offer information is stored off-chain. Canceling the offer would require an on-chain action to delete the information since the offer has already been signed.
call params
Name
Type
Description
salt
uint256
The unique identifier for a loan offer.
cancelOffers
function cancelOffers(
    uint256[] calldata salts[]
) external;
Allowing the lender to bulk invalidate loan offers created by self.
call params
Name
Type
Description
salts
uint256[]
Array of the unique identifier for a loan offer.
cancelAllOffers
function cancelAllOffers() external;
Allowing the lender to invalidate all loan offers created by self.
call params
no
refinanceByLender
function refinanceByLender(
    LoanOrder calldata order,
    uint256 orderId,
    LoanOffer calldata offer,
    bytes calldata signature
) external;
When the lender wishes to extract funds in advance from a loan, they can select a suitable offer and directly initiate a debt transfer.
call params
Name
Type
Description
order
​LoanOrder​
A custom structure that encompasses all the loan order information.
orderId
uint256
The id of loan order.
offer
​LoanOffer​
New offer. A custom structure that encompasses all the loan offer information.
signature
byte
The lender signs the loan offer to verify its authenticity and validity.
refinanceByBorrower
function refinanceByBorrower(
    LoanOrder calldata order,
    uint256 orderId,
    uint256 loanAmount,
    LoanOffer calldata offer,
    bytes calldata signature
) external;
When the borrower wants to consolidate their debt, they can select a suitable offer to initiate a debt transfer.
call params
Name
Type
Description
order
​LoanOrder​
A custom structure that encompasses all the loan order information.
orderId
uint256
The id of loan order.
loanAmount
uint256
The amount of funds the borrower wishes to borrow.
offer
​LoanOffer​
New offer. A custom structure that encompasses all the loan offer information.
signature
byte
The lender signs the loan offer to verify its authenticity and validity.
startDebtTransfer
function startDebtTransfer(
    LoanOrder calldata order, 
    uint256 orderId
) external;
If the lender wants to extract funds from a loan but cannot find a suitable offer, they can use this method to seek debt transfer from other individuals.
If the loan has a fixed duration, then this interface will not be available and the options for debt transfer through "refinanceDebtTransferByNewLender" and "refinanceDebtTransferByOther" may not be available.
call params
Name
Type
Description
order
​LoanOrder​
A custom structure that encompasses all the loan order information.
orderId
uint256
The id of loan order.
refinanceDebtTransferByNewLender
function refinanceDebtTransferByNewLender(
    LoanOrder calldata order,
    uint256 orderId,
    uint256 rate
) external payable;
After the lender seeks debt transfer for a loan, the new lender can perform the debt transfer operation without the need to pre-generate an offer specifically for that loan.
call params
Name
Type
Description
order
​LoanOrder​
A custom structure that encompasses all the loan order information.
orderId
uint256
The id of loan order.
rate
uint256
New rate after dent transfer.
refinanceDebtTransferByOther
function refinanceDebtTransferByOther(
    LoanOrder calldata order,
    uint256 orderId,
    LoanOffer calldata offer,
    bytes calldata signature
) external;
After the lender seeks debt transfer for a loan, a third party can assist in finding suitable offers to facilitate the debt transfer for that specific loan.
call params
Name
Type
Description
order
​LoanOrder​
A custom structure that encompasses all the loan order information.
orderId
uint256
The id of loan order.
offer
​LoanOffer​
New offer. A custom structure that encompasses all the loan offer information.
signature
byte
The lender signs the loan offer to verify its authenticity and validity.
Struct
LoanOffer
struct LoanOffer {
    address lender;
    IERC721 collection;
    uint256 tokenId;
    IERC20 loanToken;
    uint256 totalAmount;
    uint256 maxAmount;
    uint256 loanRate;
    uint256 loanDuration;
    uint256 expirationTime;
    uint256 salt;
}
Name
type
description
lender
address
The lender, creator of the loan offer.
collection
IERC721
The address of collection as collateral
tokenId
uint256
The token id of collateral. If it is zero, the loan offer accept any token id as collateral.
loanToken
IERC721
The token address used for lending.
totalAmount
uint256
The total loan amount of the token provided by the loan offer.
maxAmount
uint256
The max loan amount of the token provided for once loan.
loanRate
uint256
Rate of loan.
loanDuration
uint256
Duration of loan.
expirationTime
uint256
The Expiration time of the loan offer
salt
uint256
The unique identifier for the loan offer.
 LoanOrder
struct LoanOrder {
    address lender;
    address borrower;
    IERC721 collection;
    uint256 tokenId;
    IERC20 loanToken;
    uint256 amount;
    uint256 startTime;
    uint256 rate;
    uint256 loanDuration;
    uint256 debtTransferStartTime;
    uint256 debtTransferDuration;
}
Name
type
description
lender
address
The lender of the order.
borrower
address
The borrower of the order.
collection
IERC721
The address of collection as collateral.
tokenID
uint256
The token id of nft as collateral.
loanToken
IERC20
The address of token in the loan.
amount
uint256
The amount of token in the loan.
startTime
uint256
The start time of the loan.
rate
uint256
Rate of the loan.
loanDuration
uint256
Duration of the loan.
debtTransferStartTime
uint256
The time when the lender starts seeking debt transfer for this loan.
debtTransferDuration
uint256
The duration for which the lender seeks debt transfer for this loan. If this duration is exceeded, the loan will default.
​

Name	Type	Description
offer	LoanOffer	A custom structure that encompasses all the loan offer information.
signature	bytes	The lender signs the loan offer to verify its authenticity and validity.
loanAmount	uint256	The amount of funds the borrower wishes to borrow.
tokenId	uint256	The token ID of the collateral.

Name	Type	Description
order	LoanOrder	A custom structure that encompasses all the loan order information.
orderId	uint256	The id of loan order.

Name	Type	Description
order	LoanOrder	A custom structure that encompasses all the loan order information.
orderId	uint256	The id of loan order.

Name	Type	Description
salt	uint256	The unique identifier for a loan offer.

Name	Type	Description
salts	uint256[]	Array of the unique identifier for a loan offer.

Name	Type	Description
order	LoanOrder	A custom structure that encompasses all the loan order information.
orderId	uint256	The id of loan order.
offer	LoanOffer	New offer. A custom structure that encompasses all the loan offer information.
signature	byte	The lender signs the loan offer to verify its authenticity and validity.

Name	Type	Description
order	LoanOrder	A custom structure that encompasses all the loan order information.
orderId	uint256	The id of loan order.
loanAmount	uint256	The amount of funds the borrower wishes to borrow.
offer	LoanOffer	New offer. A custom structure that encompasses all the loan offer information.
signature	byte	The lender signs the loan offer to verify its authenticity and validity.

Name	Type	Description
order	LoanOrder	A custom structure that encompasses all the loan order information.
orderId	uint256	The id of loan order.

Name	Type	Description
order	LoanOrder	A custom structure that encompasses all the loan order information.
orderId	uint256	The id of loan order.
rate	uint256	New rate after dent transfer.

Name	Type	Description
order	LoanOrder	A custom structure that encompasses all the loan order information.
orderId	uint256	The id of loan order.
offer	LoanOffer	New offer. A custom structure that encompasses all the loan offer information.
signature	byte	The lender signs the loan offer to verify its authenticity and validity.

Name	type	description
lender	address	The lender, creator of the loan offer.
collection	IERC721	The address of collection as collateral
tokenId	uint256	The token id of collateral. If it is zero, the loan offer accept any token id as collateral.
loanToken	IERC721	The token address used for lending.
totalAmount	uint256	The total loan amount of the token provided by the loan offer.
maxAmount	uint256	The max loan amount of the token provided for once loan.
loanRate	uint256	Rate of loan.
loanDuration	uint256	Duration of loan.
expirationTime	uint256	The Expiration time of the loan offer
salt	uint256	The unique identifier for the loan offer.

Name	type	description
lender	address	The lender of the order.
borrower	address	The borrower of the order.
collection	IERC721	The address of collection as collateral.
tokenID	uint256	The token id of nft as collateral.
loanToken	IERC20	The address of token in the loan.
amount	uint256	The amount of token in the loan.
startTime	uint256	The start time of the loan.
rate	uint256	Rate of the loan.
loanDuration	uint256	Duration of the loan.
debtTransferStartTime	uint256	The time when the lender starts seeking debt transfer for this loan.
debtTransferDuration	uint256	The duration for which the lender seeks debt transfer for this loan. If this duration is exceeded, the loan will default.

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