Contracts & transparency

Everything this product does happens on Monad Testnet. Here is exactly what is deployed and where to verify it.

Network

ISAFactory
Deploys and indexes every agreement. Batched snapshot reads for the explore page.
0xdaA1Dca29D758cEc7B3bA659c2921ccCcd494c01
ISAAgreement
One contract per agreement, deployed by the factory. Holds the terms, funder positions, income history and settlement accounting.
Deployed per agreement — open any agreement page for its address.
TestUSD (tUSD)
Demo settlement asset, 6 decimals, open faucet. No real-world value.
0x9aE4053b0aa7a042eA3355fe743E0C21F2Cb6e95
DemoIncomeVerifier
Records the recipient’s self-reported income on-chain. Implements IIncomeVerifier so a payroll or oracle provider can replace it without changing agreement logic.
0x1811389195AC43285f8c9489aDD72a83F2a0A34c

Income share percentage applied to every attested income figure.
Minimum income floor below which a period settles at zero.
Hard repayment cap; the final settlement is clipped so it can never be exceeded.
Term deadline after which no new income can be reported.
Pro-rata distribution across funders, claimed rather than pushed.
Overfunding rejected outright; refunds available on a cancelled raise.
Only the recipient can report income, settle, withdraw capital or cancel.

Income is self-reported. The demo verifier records the figure on-chain but does not check it against real earnings.
Nothing compels a recipient to report. A production system needs payroll or open-banking attestation plus legal recourse.
Integer division leaves dust in the agreement contract when a settlement does not divide evenly across funders.
The contracts are unaudited and deployed to testnet only.