Enforcement infrastructure for physical collateral. Any asset. Any chain. Any lender.
Vehicles, solar, agricultural, industrial, mining, marine, vending — monitored, governed, and physically actionable in seconds, not days.
Where asset-backed lending meets the physical world — and where, until now, it has consistently failed.
Recovering physical collateral takes months and costs more than the collateral itself.
A subprime auto lender in Texas spends $1,200 and 47 days recovering a $15,000 vehicle. An agricultural lender chases a defaulted tractor across two counties. A solar financier watches a panel array generate revenue they’ll never collect.
The contract is signed digitally. The default is detected instantly. But enforcement still depends on phone calls, repo agents, court orders, and luck. The gap between “the contract is broken” and “the asset is secured” is where lenders bleed money — and where 15% of subprime portfolios go to die.
SLY closes the gap. Software-defined enforcement, forensic-grade audit trail, civil-liability transfer.
When a contract breaks — financial or physical — SLY’s infrastructure detects it, validates it across three independent telemetry sources, runs it through a constitutional safety guard, and acts: locks the vehicle, disables the inverter, suspends the equipment.
Every decision is signed cryptographically, pinned to IPFS, anchored on-chain. The audit trail is admissible in court. The lender no longer needs to prove they acted reasonably — the chain proves it for them.
Two tiers. Conservative lenders get audit-grade monitoring without operational liability. Aggressive lenders get the full enforcement layer. Both run on the same infrastructure.
No human intervention needed to secure the asset.
45+ telemetry providers integrated — Smartcar, Geotab, John Deere, Enphase, Antminer, and more. Any IoT device, any payment rail, any chain. One enforcement engine.
Immutable forensic record of every state change. IPFS-pinned, anchored on-chain (Stellar or EVM). Designed for admissibility in legal disputes — transfer of civil liability built in.
Every monitored asset reports telemetry to the Grid — and every loan reports its on-chain payment schedule to the same Grid. A breach in either dimension triggers physical enforcement automatically — no human in the loop, no recovery agents, no jurisdictional wait.
Default condition detected → multi-source telemetry consensus → AI triple-guard review → physical lockout completed → audit trail pinned to IPFS and anchored on-chain. End-to-end, in real time. Shown here on a vehicle; the same flow runs on solar inverters, agricultural fleets, mining rigs, and industrial machinery.
Physical enforcement transforms the unit economics of secured lending. The math is simple.
SLY Dynamics is currently operating in closed pilot. Access is restricted to qualified institutional capital allocators. All requests are reviewed manually.