The questions an institutional desk asks first.
Below are the questions that recur in early conversations with allocators, treasurers, credit committees and audit partners. We try to answer them in the same form we would answer them in person — short, citable, and without selling.
What is ımyo?
An institutional, AI-first decentralised lending protocol on Sui and Ethereum. Continuously AI-audited, siloed liquidity between chains, RWA-native collateral, edge-hardened by Cloudflare. Mainnet Q3 2026.
How do you pronounce it?
i-myō, roughly "ee-myoh". From the Japanese 異名, meaning "another name" or "alias".
What does the name mean?
異 (i) means "different" or "other". 名 (myō) means "name". Together: another name — the name a thing earns when its public name no longer fits. See the manifesto.
What makes ımyo different from Aave, Morpho or Compound?
Three structural differences:
- Siloed liquidity. Sui and Ethereum share no collateral, no receipt tokens, no bridge dependencies. A failure on one chain cannot contaminate the other.
- Continuous AI audit. Auditor swarms before deployment; Sentinel swarms 24/7 after. Cryptographic attestations from inside TEEs.
- RWA-native collateral. T-Bills, commercial paper, private credit. AI-adjusted LTVs per asset, per duration, in real time.
See imyo vs Aave and the architecture page for full detail.
How does ımyo prevent the Kelp-style contagion that hit DeFi in April 2026?
By refusing to share. The KelpDAO restaking exploit drained $13B from interconnected protocols inside 48 hours because the same receipt tokens were posted as collateral across multiple lending venues. On ımyo, collateral never crosses silos and restaking-receipt tokens are not Tier-1 collateral. The Sentinel Swarm additionally watches oracle dispersion across 10+ feeds; anomalous pricing pauses the affected asset rather than propagating. Full deep dive: Kelp post-mortem.
What collateral does ımyo accept?
Tier 1: tokenised US Treasury Bills, tokenised money-market funds (BUIDL, BENJI, USDY) and GENIUS-compliant payment stablecoins. LTV 90–95%. Tier 2: tokenised commercial paper and short-dated IG corporate bonds. LTV 70–85%. Tier 3: tokenised private credit, structured assets and trade-finance pools. LTV 40–65%, ZK-attestation gated. See the RWA framework for tier definitions and risk policy.
Will under-collateralised lending be available?
Yes, in capacity-limited credit silos for top-tier whitelisted institutions. Gated by ZK-attested off-chain balance sheets and historical performance. This is not retail credit; it is the on-chain equivalent of an unsecured short-term institutional facility.
Why "continuous AI audit" rather than periodic audits?
The threat surface in DeFi mutates every block. A six-week retainer audit produced once or twice a year cannot keep pace. ımyo runs an Auditor Swarm against every code change before deployment and a Sentinel Swarm 24/7 after. The result is a continuous-attestation discipline, not a periodic-confirmation one.
Why should an institution trust AI security signals?
They do not have to trust them; they can verify them. Every AI agent runs inside a Trusted Execution Environment that emits a cryptographic attestation binding output to a specific code revision running on specific hardware. The Guardian multisig checks the attestation before any AI signal triggers a protocol action. "An AI said so" is not a trust assumption — it is a verifiable claim.
Has ımyo been audited by third parties?
The continuous AI audit is layered in addition to, not instead of, conventional third-party audits. We will publish audit reports on launch and any subsequent contract change. The list of audit partners will be announced prior to mainnet.
Under what regulatory regime does ımyo operate?
MiCA-compliant deployment in the EEA, GENIUS-compliant stablecoin integration in the US, with parallel work for Singapore, UAE and the UK. ZK-Identity lets institutions prove regulated status (e.g., "MiCA-Compliant CASP") on-chain without disclosing entity-level detail.
What about KYC / AML?
Borrowers and institutional users complete KYC/AML through accredited providers; the resulting attestation is published on-chain as a ZK-proof. The protocol verifies the proof, not the identity. Compliance teams see exactly what they need; everyone else sees nothing.
How large is the institutional opportunity?
Five published projections converge on the direction. McKinsey: $2T base / $4T bull by 2030. Citi: $4–5T by 2030. Ark Invest: $11T by 2030. BCG: $16T by 2030 (10% of global GDP). Standard Chartered: $30.1T by 2034. The disagreement is on slope, not direction. See the 2030 outlook for the full forecast table.
Verified institutional contact.
Use the form below or write directly to info@imyo.com. We respond from a verifiable imyo address within five business days.