Lumenvale RWA

Tokenised short-term credit with permissioned transfers.

Tokenised notes representing short-term credit facilities. Transfers are restricted to verified holders through an allow-list; NAV updates are posted by an administrator and redemptions settle on fixed windows.

Ecosystem: Polygon
Category: Real-World Assets
Languages: Solidity
Launched: Jun 2025

80.5AModerate risk

Grade A · Moderate risk

Sound posture; some improvements recommended.

+0.4 since Nov 2025 · ±0.0 since Jul 2026

Quantix Protocol Research · as of 24 Oct 2026 · About this data

Risk Index

How the score is built

Six weighted components, each scored 0–100 where higher means less risk. Points are the component value multiplied by its weight; the gap is what the component costs against a perfect score.

Component	Weight	Value	Points	Gap
Code Security	30%	84	25.2	−4.8
Operational Security	20%	80	16.0	−4.0
Governance Risk	15%	74	11.1	−3.9
Economic Security	15%	80	12.0	−3.0
Infrastructure Resilience	10%	80	8.0	−2.0
Transparency	10%	82	8.2	−1.8
Quantix Risk Index	100%		80.5	−19.5

Risk Index components: Lumenvale RWA Code 84, Operational 80, Governance 74, Economic 80, Infrastructure 80, Transparency 82
Component	Lumenvale RWA
Code	84
Operational	80
Governance	74
Economic	80
Infrastructure	80
Transparency	82

Grade scale

AAA90–100
AA85–89.9
A80–84.9
BBB75–79.9
BB70–74.9
B65–69.9
CCC60–64.9
CC55–59.9
C50–54.9
D0–49.9

Score history

12 monthly snapshots

Each point is the Risk Index computed from that month’s component values. Markers below the chart show the events that moved a component.

Lumenvale RWA Quantix Risk Index by month
Period	Quantix Risk Index
Nov ’25	80.1
Dec ’25	80.1
Jan ’26	80.1
Feb ’26	80.5
Mar ’26	80.5
Apr ’26	80.5
May ’26	80.5
Jun ’26	80.5
Jul ’26	80.5
Aug ’26	80.5
Sep ’26	80.5
Oct ’26	80.5

10 Feb 2026
Disclosure
Monthly reconciliation reports
Custodian holdings reconciled against supply each month.
- Transparency+4

Risk factors

What keeps the score from being higher, most severe first.

MediumGovernance RiskProfile analysis
Administrator-posted NAV
Holders rely on the issuer’s reported NAV; an error or misstatement changes redemption values.
LowTransparencyProfile analysis
Freeze authority
The issuer can freeze holders, as expected for a permissioned asset, but without published criteria.

Recommendations

Each recommendation raises one component to a target value. The score effect is recomputed with the Risk Index model, holding every other component fixed.

Governance Risk: 74 → 82
Dual-control NAV with attestation
Require a second signer and an independent attestation for each NAV update.
+1.2
→ 81.7
Transparency: 82 → 88
Publish freeze criteria
Document when and how holders can be frozen.
+0.6
→ 81.1

Analysis

Contract, governance and operations

Contract analysis

Source: Verified
Upgradeability: UUPS proxy
Administrative control: Issuer 3-of-5 multisig with a 24-hour delay
Enforced delay: 24 hours
External dependencies: Administrator-posted NAV; Off-chain custodian of credit assets

PassSource verified. Token, allow-list and queue verified.
PassPermissioned transfers. Transfers restricted to verified holders by design.
CautionNAV source. NAV posted by an administrator without on-chain attestation.

Governance exposure

Moderate

Issuer multisig controls minting, freezing and upgrades with a 24-hour delay.

Operational resilience

Strong

Redemptions settle on fixed windows; reconciliation reports published monthly.

Monitoring

Monitoring history

2 recorded security events for Lumenvale RWA, most recent first.

Open in Security Monitoring

22 Oct 2026LowNAV update within the expected bandSecurity Alert · NavOracleResolved
14 Apr 2026LowRedemption request for 0.8% of note supplyWhale Activity · RedemptionQueueResolved

Research assessment

No Quantix assessment of Lumenvale RWA has been published. Its security findings are represented by the contract-analysis signals above: 0 failed and 1 cautionary.