# V0 – Core Architecture \[Finished]

* Launch of dual-tranche lending model (Senior Grow Token & Junior EDUFI NFT)
* Onboarding of **whitelisted lending partners**
* Core smart contract infrastructure:
  * Loan bundling and on-chain tokenization
  * Capital deployment, repayment, and redemption flows
  * **Waterfall-based repayment logic** for tranche distribution
* Key features:
  * **10% reserve liquidity buffer** for early redemptions
  * **FIFO withdrawal queue** for capital stability
  * **Auto-triggered redemptions** at loan maturity
  * On-chain **repayment tracking dashboard** for investors


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