Arkadiko is a decentralized and non-custodial platform built on top of the Stacks blockchain where users can lock assets in exchange for its native USD stablecoin, USDA. Arkadiko aims to build the kinds of complex financial services found in DeFi, with the security of Bitcoin. Utilising yield from PoX (Proof of Transfer), a STX-collateralized Vault that mints USDA creates a self-paying loan. Similar to MakerDAO, Arkadiko increases the capital efficiency of the STX asset by enabling it to be used in a collateralized debt position.