Accountable: Mechanics & Tokenomics

Accountable Lending Chain via the Modular Ecosystem: Establish a rollup (currently exploring tech stack) with the Celestia data availability layer, using $ACC as the gas token .
- Establish the engine of Accountable on its own rollup to handle governance, staking, RFQ, and other platform features - effectively creating the central hub for lending solutions in crypto.
- Incentivize loan origination and settlement on the Accountable chain to drive adoption and expand the user base.
Multichain Origination and Settlement Approach: Leverage liquidity mining rewards and other incentives from various foundations.
- Accountable will provide flexibility for its clients to originate and settle their loans on multiple blockchains. Additionally, partnerships with foundations will incentivize usage of their blockchains in exchange for rewards, which can be directed by platform participants through voting.
  - E.g. A lender wants to direct $ARB rewards to its pool to increase the yield for its LPs.

Stake and Lock Periods: Utilize lock-up periods and stake amounts to establish a multiplier affecting platform feature access (such as the data platform) and voting power—similar to the Ve-model. Example: Wintermute: Wants to raise capital for a cash & carry trade generating high returns. They add the following deal to Accountable RFQ:
- Live monitoring of the strategy available to all lenders, $100k USDC minimum, 15% fixed rate, 30-day tenor with monthly rollover.
- Wintermute provides their own MLA and KYC requirements for pool participants.
- They choose to settle the loan on Arbitrum using Accountable’s dedicated dApp. With $ARB rewards available for parties settling on Arbitrum, Wintermute increases their stake and lock-up period of $ACC tokens to partially redirect these rewards to their pool, enhancing the yield for LPs given the relatively low initial interest in the deal.
Revenue Sharing: Apply multipliers to revenue sharing for stakers → switched on when predetermined revenue target is reached (sequencer and/or application fees)
Staking Variants:
- One-Sided $ACC Staking: Simple staking model with a lock-up period multiplier.
- LP Position Staking (e.g., ACC:USDC): Liquidity provider positions with fixed, but dynamically adjusted multipliers to maintain liquidity.

Token-Based Governance: $ACC token holders use their staked tokens to vote on platform directions and integrations.
Ecosystem Participation: Stake tokens to enable third-party platforms like Zest Protocol/Wildcat or credit underwriters/credit agencies to join and utilize Accountable services as well as to become an integral part of our ecosystem.

Ecosystem-Wide Utility: Stake $ACC to access various platform features, including data platform use, RFQ systems, and maintaining connections between different parties such as lenders, borrowers, credit underwriters, and rating agencies.
Capital Formation: Utilize staked tokens to initiate and manage credit structures within Accountable, serving as a capital formation layer.

Strategic Integration Rewards: Offer $ACC tokens as incentives to platforms integrating Accountable, with diminishing rewards over time to foster long-term adoption.
Infrastructure Integration Rewards: Provide incentives for allowing Accountable to operate within partner infrastructures to facilitate private data sharing (e.g. exchanges, prime brokers)
- This way we will get data guarantees directly from the source allowing for ZK-proofs and solving hidden account issue. Most importantly, we will also “inherit” all of the platform users that will be able to generate proves on their risk/performance metrics and other suitable data points that could be used in the areas of credit, audit and tax administration.
SaaS and Auditors Incentives: Encourage SaaS portfolio systems and auditors to join the Accountable ecosystem with $ACC rewards.

Permissionless Pools: Allow retail participation in liquidity pools with/without KYC processes in place (determined by the pool operator).
- Depositors that do not want to allocate capital to specific lending opportunity, will be able to invest in an index based on their risk appetite (e.g. very low risk distribution towards various treasury pools vs. high risk distribution towards uncollateralized financing).