Supplying
01.01Where does supplier yield come from?+
Borrowers pay interest according to the market’s utilization curve. Accrued interest increases total supplied assets. A market fee may mint part of that interest as shares to the fee recipient; the hard fee cap is 25%.
01.02Can I withdraw at any time?+
The core has no pause switch or lock period. A withdrawal still requires enough unborrowed loan assets in that market. High utilization can make immediate liquidity unavailable.
01.03Can one bad market affect my other deposits?+
Bad debt is written against supplier assets only inside the affected market ID. It does not debit another market, although multiple markets can still share external dependencies such as an issuer, bridge, oracle provider, or chain.
Borrowing
02.01What determines how much I can borrow?+
Maximum debt equals the oracle value of posted collateral multiplied by the market LLTV. The interface should be treated as an estimate; the core performs the final health check.
02.02When can a position be liquidated?+
When maximum recognized borrow capacity divided by current debt falls below one. Price declines and accrued interest can both move a position across that boundary.
02.03What happens during liquidation?+
A liquidator repays part of the debt and receives collateral at the published incentive. If collateral reaches zero while debt remains, the residual is realized as bad debt against that market’s suppliers.
MARK & rewards
03.01What is MARK used for today?+
MARK has a fixed 100 million supply. Its implemented utility in this repository is ownerless staking for notified USDG rewards and Season reward distribution. No onchain governance system is implemented.
03.02Do protocol fees automatically reach stakers?+
No. The core mints fee shares to its fee recipient. An external operator must redeem or route USDG and call notifyReward on the staking contract.
03.03How is Season different from staking?+
Staking holds MARK and distributes notified USDG. SeasonVault holds a market’s supply shares, so depositors retain normal lending yield while receiving a separately escrowed linear MARK stream.
System
04.01Is Wholemark audited and live on mainnet?+
Not yet according to the checked-in repository. Thirty-five Foundry tests pass, but no independent audit is published and Robinhood Chain mainnet and testnet deployment addresses remain zero.
04.02Is the protocol upgradeable?+
CrossbowCore has no proxy or upgrade entry point. It does have an owner who can set fees and caps, set the fee recipient, enable new IRM and LLTV options, and transfer ownership.
04.03What can agents do through the MCP endpoint?+
Agents can request a protocol overview, list configured market state, and prepare unsigned calldata for supply, collateral supply, borrow, or asset-based repay. The endpoint does not sign, submit, simulate, or prepare approvals.