unilink

What it is
UniLink is a cross-ecosystem capital bridge that turns a user’s traditional holdings (stocks and ETFs) plus crypto balances into onchain, verifiable Proof of Reserve. It enables DeFi protocols to treat real-world brokerage assets as provable capital, not just wallet-native crypto.
How it works
A Chainlink CRE Proof-of-Reserve workflow makes confidential HTTPS requests to fetch a user’s broker stocks/ETF data, combines it with onchain wallet balances, and periodically updates a Proof-of-Reserve smart contract. Other DeFi apps and contracts can import this contract interface and directly query a user’s total provable reserves, including stocks, ETFs, and crypto, in a trust-minimized and auditable way.
What problem it solves
Today, users cannot effectively use stocks, ETFs, and other traditional finance assets as proof of capital in DeFi. This forces them to either sell long-term holdings to move into crypto or leave that capital unused for onchain opportunities. UniLink unlocks this trapped value and can onboard billions in new capital into the DeFi ecosystem by making offchain assets programmatically usable in onchain credit and liquidity systems.

UniLink is built as a full-stack system with a Next.js app-router backend/frontend, Solidity smart contracts, and Chainlink CRE workflow. The web app handles authentication with Groww (API key + secret), stores session and wallet bindings and fetches portfolio data from two sources: Groww (/v1/user/detail, holdings, positions) and Moralis multichain wallet APIs. A backend normalization layer converts heterogeneous payloads into a unified portfolio model and creates deterministic hashes (growwItemsHash, onchainItemsHash, snapshotHash) so each reserve state is cryptographically reproducible. For onchain attestation, a CRE workflow (cre/por) runs on schedule (or manual trigger), performs confidential Http login using VaultDON-managed secrets, fetches /api/por/snapshot, ABI-encodes the payload, and writes a report to Sepolia. The OneFiPoRReceiver contract stores per-user snapshot history. Lending is implemented in OneFiLendingMarketplace, where lenders create/fund offers and define rule flags (min reserve, snapshot freshness, max loan-to-reserve, Groww mix constraints, etc.). Borrow calls enforce those PoR rules onchain, then execute ERC-20 transfers, repayment, collateral return, and default flows.