Manual Refinancing

The system acknowledges that:

• Large borrowers (e.g., public whales) may be targeted for forced liquidation by adversarial actors

• DOS’ing refinancing could theoretically be profitable for attackers

Thus V2 explicitly preserves off-chain emergency tools:

• Manually constructed PSBT transactions

• Reserve capacity kept unused for contingencies

• ODAO Treasury can lend directly on same terms

These tools are framed as “exception only,” but are real and part of risk management.