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Creda is a modular Cosmos lending protocol: CosmWasm contracts on‑chain, an indexer + API off‑chain, and a React frontend.

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Architecture

  • Contracts: portfolio (lending/borrowing), oracle, token proxies, global config
  • Backend: indexer processes events → Postgres → GraphQL/REST APIs
  • Frontend: React + TypeScript using the GraphQL API and wallet adapters

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Key Ideas

  • Virtual amounts with growing indices for gas‑efficient interest accrual
  • Isolation Mode to contain riskier collateral with caps
  • Oracle smoothing and validation to reduce manipulation and noise

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Integrating

  • Query raw contract state with CosmJS where needed
  • Use the GraphQL API for enriched portfolio/market data
Next: see GraphQL API for real queries and endpoints, and the backend Architecture page for system details.