KETJU Research

← The Register

Dollar lending

Rujira Money Market

Not approved Runs only on a chain that failed review
Issued
2026-09-15
Last confirmed
2026-09-15
Next check due
2026-12-15
Chains
Thorchain

Rujira Money Market is native-asset lending inside the THORChain application layer. THORChain has not passed Ketju chain-level review, so the version-1 rejected-chain dossier decides regardless of the lending terms.

The research file

Mechanism applicability

Rujira is an application layer on THORChain offering an order book, automated liquidity strategies, lending, liquidations and staking over native assets. The money market lends those native assets, so balances, collateral, interest accrual, liquidation and withdrawal are all recorded and executed by THORChain itself rather than by contracts on an independently reviewed settlement layer.

Current observation and perimeter

The DefiLlama protocol API read on 2026-09-15 classified Rujira Money Market as Lending and reported approximately $1.71M on a THORChain-only perimeter, listed on 2026-08-11 with no recorded audit. The yield survey the same day observed six pools, all on THORChain.

Control and exit applicability

THORChain validator operation, finality, its native swap and settlement logic, and its emergency controls sit beneath every lending state transition here, and none of them has a versioned Ketju control assessment. Utilization constrains withdrawable supply in the ordinary way for pooled lending, and liquidation depends on the same chain continuing to price and settle.

Class rule

The rejected chain class is outside the approved structures, so every protocol in it is not approved until the rule changes. The rule is about the structure, not an adverse finding about this protocol, and it is not a client instruction. The events that would reopen it are listed with the memo.

Sources

The claims above trace to these. Where a number could not be independently verified, the thesis says so.

Inherited controls

The research above describes the protocol layer. Every position also inherits the asset it holds and the chain it settles on. The layer with the most administrative power sets the position’s effective control; that describes control, not quality or suitability.

ChainVerdictControlControl constraint
The memo is public. Monitoring connects the research to positions clients actually hold and flags evidence changes for advisor review. $49 per advisor per month, first 14 days free. Start the trial.