FusionFi Core is a modular, open-source toolkit that enables the next wave of DeFi on Cardano. Developed by EMURGO Labs, in collaboration with Anzens and Encryptus. FusionFi Core includes:

Lending Contracts (Aiken)

Reusable modules for pooled lending, liquidation, interest accrual

USDA Integration Wrapper

Developer SDK (CLI + REST) for managing stablecoin flows in apps

Multisig Controller Module

Aiken-based governance contracts for cooperatives, DAOs, shared custody

ADA On and Off Ramps Giving users the access to USDA in the frontier markets

These modules will power both developers and real-world applications, with pilots focused on Africa and MENA, where Encryptus already supports fiat flows in 130+ countries.

FusionFi Core helps Cardano achieve its mission of programmable, inclusive finance through composable, production-grade infrastructure.

Cardano currently lacks standardized, modular infrastructure for building real-world DeFi applications, such as lending protocols, stablecoin integrations, and fiat gateways. Developers are forced to build from scratch, with no reusable smart contracts, SDKs, or governance modules available within the ecosystem. There is a clear need for a unified toolkit that provides the foundational backend for DeFi and real-world asset (RWA) use cases, and that aligns with the priorities of Cardano’s commercial roadmap: including stablecoin adoption, institutional-grade DeFi, and bridges between Web3 and traditional finance. This gap is especially urgent in regions primarily Africa and Middle East and some other frontier markets, where Cardano has committed to driving economic inclusion. Builders and users in these markets need access to infrastructure for fiat-backed lending, shared asset management (via multisig), and stablecoin-based wealth preservation: all of which remain difficult to implement without open, reusable modules.

FusionFi Core provides open-source infrastructure that helps the entire Cardano community:

Lending contracts (Aiken) to accelerate protocol development

USDA integration wrapper to support stablecoin adoption across dApps

Multisig controller module to power community savings, cooperatives, and DAOs

Real-world deployment in Africa and MENA to validate global use

This empowers builders, strengthens Cardano’s DeFi ecosystem, and fulfills the network’s mission of programmable, inclusive financial access, in line with the Cardano Commercial Roadmap.

-Lending contracts written in Aiken or Plutus -USDA SDK (REST + CLI) with integration documentation -Multisig controller with governance configs -Sample frontend interfaces (for DAO/borrow flows -Smart contract audits and compliance checklists -Deployment-ready testnet suite -Pilot-ready in Africa & MENA -Community developer guide, tutorials, and GitHub repo Fiat on and offramps especially in the frontier markets

Lending Contracts (Aiken) $220,000

Multisig Controller Module $155,000

USDA Integration Wrapper (CLI + SDK) $140,000

Smart Contract Audit (All Modules) $105,000

Developer Documentation + Integration Guides $70,000

Testnet Deployment & Sample Frontends $84,000

Dev Tooling: CLI / Config Interface $56,000

Community Dev Support & Feedback Loop $42,000

Africa/MENA Deployment & Integration Support (Pilot program) $84,000

UI/UX Design for Reference Interfaces $42,000

Project Oversight & Compliance Readiness $56,139

Go-To-Market Awareness & Tutorials $56,000

Maintenance & Public Releases $70,000

Total $1,160,139

7-person team (3 engineers, 1 product, 1 designer, 1 risk/compliance analyst, 1 support/ops) Duration: 6–8 months to mainnet launch

Team members have previously worked on Cardano (Anzen’s USDA, various RWA Catalyst-backed projects), and DeFi protocols. Experience includes cross-chain smart contract development, wallet integrations, secure multisig frameworks and community-governed tooling.

-Maintained by the EMURGO Labs engineering team -Modular repos with continuous integrations and documentation -Supported by a public roadmap, community feedback, and long-term use in production deployments

Incoming Liquidity Developer / User Experience Programmable Assets L2 Expansion (via future integrations)

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