1）Big Data-Driven Platform

Mortonn is an AI and big data-driven platform that accurately assesses and unlocks the potential of collateral for loans, allowing users to combine DeFi with Mortonn to obtain the returns of selected Mortonn-supported loans. The platform aims to address major issues in the Mortonn ecosystem, such as low liquidity, investment risk, asset monetization, and most importantly, assessing non-financial funds.

Once a specific Mor symbolic contract exists, anyone can deposit collateral to create an insurance vault. These vaults are similar to the vaults in the Maker system (and named after them)[9]. Vault owners can mint false tokens, increasing the vault's debt. They can also burn flame tokens to reduce debt. The debt of a specific vault must not exceed the value of its collateral plus some necessary margin, or it will be liquidated as described in the first section.

A Mor is like a secured zero-coupon bond that can be redeemed at par value from a fixed contract at maturity. In the same token contract, fixed tokens from different vaults are interchangeable.

You can build an instrument that includes coupon payments by creating different fund token sets with different face values and maturities. Essentially, this process is the opposite of "coupon stripping" in the traditional financial sector.