KETJU Research

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stable-lending

K613

Rejected
Max sleeve
Reviewed
2026-08-16 · v1
Next review
2026-11-16
Chains
Monad · crypto-backed

Rejected venues wait the longest for re-review; a rejection has to earn another look before the scheduled date.

K613 is an Aave-v3-compatible overcollateralized lending market on Monad with eleven documented reserves, configurable caps, liquidation parameters and emissions. The 2026-08-16 survey measured about $0.037M supplied, only 0.037% of the $100M materiality floor; separately reported borrowing is not exit capacity. The version-1 below-materiality dossier decides before reserve, oracle, governance or liquidation diligence.

The research file

Mechanism applicability

K613 publishes an Aave-v3-compatible pooled money market on Monad. Its market configuration lists eleven reserves with supply and borrow caps, utilization-based interest curves, collateral LTVs and liquidation thresholds. Suppliers receive interest-bearing claims; withdrawals depend on underlying cash remaining after borrower utilization, while collateralized borrowers face health-factor liquidation.

Control, loss and exit applicability

Published configuration uses the Aave ACLManager and ConfigEngine to list assets, change caps, collateral and rate parameters, configure eMode and freeze or pause reserves. The runbook calls for rotating deployer roles to multisigs, but that transition requires live verification at a full review. Exit depends on available reserve liquidity, oracle integrity, Monad settlement, asset quality and the configured administrative controls.

Current observation and perimeter

The DefiLlama API read on 2026-08-16 classified K613 as Lending and reported approximately $0.037M supplied entirely on Monad. A separately reported approximately $0.065M borrowed suffix is not added to supplied TVL. Current GitHub activity and Monad-mainnet configuration establish an active lifecycle, but the survey lists no audit record.

Why the materiality dossier decides

Supplied TVL is approximately 0.037% of the $100M floor, leaving an advised allocation large relative to measured cash capacity despite the familiar upstream code. Reopen after supplied TVL remains above $100M for 30 days; then verify deployed addresses and roles, every reserve and oracle, cap and eMode changes, audit and incident history, bad debt and proposed-size withdrawals.

Sources

The claims above trace to these. Where a number could not be independently verified, the thesis says so.

Inherited controls

The verdict above grades the protocol layer. Every position also inherits the asset it holds and the chain it settles on. The least safe layer sets the position’s grade, and the position table names which one that is.

ChainVerdictGradeControl constraint
MonadApproved · limits crypto-backed the L1 has a public validator path, but its short production record, single initial client lineage, and Foundation-directed delegation keep stake and operations concentrated.
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