Question 1

What is Buy Now, Pay Never?

Accepted Answer

Buy Now, Pay Never (BNPL) allows users to purchase items on credit by locking USDC collateral. The collateral is automatically routed to yield-generating protocols (such as lending pools or liquidity pools on Sui), and the earned yield pays off the outstanding credit over time.

Question 2

How does the TEE credit score work?

Accepted Answer

XORR Finance computes your credit score inside an AWS Nitro TEE (Trusted Execution Environment). It processes off-chain financial data confidentially, issuing an on-chain cryptographic attestation. Your raw financial data never leaves the enclave.

Question 3

Is my financial data private?

Accepted Answer

Yes. Because all computations occur inside a confidential enclave (TEE), no one—not even the XORR protocol developers—can inspect your private financial data. Only the final score is attested on-chain.

Question 4

What is XORR Finance built on?

Accepted Answer

XORR Finance is built natively on the high-performance Sui blockchain, leveraging its low latency, high throughput, and secure smart contracts to handle collateral management, lending pools, and BNPL checkouts.

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