Inside the Oxyile smart-contract handshake flow

Lenders and borrowers negotiate in real-time chat, then send a handshake card with amount, rate, duration, EMI, and total return.

Dual approval triggers borrower bank linking, Polygon mint, and subscription creation for recurring EMIs.

The card surfaces live status: Bank Linked, Smart Contract Minted, and Auto-EMI Active when all rails are green.