ATLIT
Term loans on tokenized stocks · Robinhood Chain

Held.
Never taken.

Atlit is a keep. You bring tokenized shares behind its walls and draw dollars against them at a price, a premium and a term that were fixed before you walked in. For the length of the term, nothing can reach your position. There is no mark, no margin call, no liquidator, and no oracle: the keep does not know what your shares are worth, and does not need to.

The lender who wrote the charter has already been paid for the risk. The advance is a strike, the toll is a premium, and the term is the term. If the shares are worth more than the face at maturity, you settle and take them back. If they are worth less, you walk, and the keep hands them to the lender. Either way, the worst day of the term is not the day it ends.

Anyone can post a charter. Anyone can draw against one. The keep takes a tenth of every toll, and keeps nothing else.

The proof

Where the walls stand.

Drag the price the share prints on the last day. The lines are the contract, per share, nothing added.

THE BORROWER · VALUE PER SHARE AT MATURITYTHE LENDER · RESULT PER SHARE80120160200-60-30090120150180210PRICE AT MATURITYTHE WALL · 150JUST HOLDINGBEHIND THE WALLS · FLOOR 147TOLL +3128
the charter
advance 150.00 a share · toll 2% · 30 days
you receive 147.00 now, owe 150.00 at the end
at maturity, the share prints
128.00

You walk. The share is worth less than the wall. You keep the 147.00 you were paid, the keep hands the share to the lender, and the day it fell is a day you never had to answer for.

The lender ends -19.00 a share: the toll, less a share bought at 150 and worth 128.

I

The keep reads no price.

Every lender on this chain watches an oracle and sends a liquidator when the print crosses a line. Atlit has no line. The lender priced the risk once, at the gate, in three numbers: the advance, the toll, the term. After that the keep is blind by design, and blind things cannot be talked into opening.

II

The toll is paid at the door.

The premium comes off the advance the moment you draw. Nine tenths go to the lender, one tenth to the keep. It is earned, not accrued: settle on day one or day thirty, the cost is the same, because the lender sold you the whole term and cannot be given it back.

III

Two doors at maturity.

Anyone may settle a hold by paying its face; the shares go to the borrower. The lender may forfeit an unsettled hold and take the shares. Both doors open at the same second and stay open until one is used. Dividends fall to whoever walks out holding the shares; raw units are all the keep ever holds.

The book

What stands at the gate tonight.

the keep is not yet built on this chain · prints by Chainlink
NameLast printBest advanceLowest tollOfferedHeld
AAPLApple320.51Charter
MSFTMicrosoft500.53Charter
NVDANvidia230.23Charter
TSLATesla353.98Charter
AMZNAmazon258.72Charter
GOOGLAlphabet338.27Charter
METAMeta Platforms615.64Charter
INTCIntel95.47Charter
GMEGameStop19.19Charter
SPCXSpaceX147.95Charter
SPYS&P 500 Trust769.59Charter
QQQNasdaq-100719.58Charter

The contracts are written and tested; they are not yet on Robinhood Chain. The prints are live. Nothing here can be drawn until the keep stands.