💸 PR 16: Over-Collateralized Lending & Liquidations (231, 232)

docs/PiRC-231-Over-Collateralized-Lending-Protocol.md

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+# PiRC-231: Over-Collateralized Lending Protocol
+
+## 1. Executive Summary
+This standard defines the official over-collateralized lending protocol for the Pi Network, ensuring that all borrowed assets are backed by a minimum 10M:1 collateral ratio in accordance with PiRC-101 and PiRC-207.
+
+**Dependencies**: PiRC-207, PiRC-101
+**Status**: Complete reference implementation
+
+## 2. Architecture
+- Over-collateralized debt positions (CDPs)
+- Integration with PiRC-207 Registry Layer for Parity Invariant checks
+- Dynamic interest rate models based on pool utilization
+
+## 3. Reference Smart Contracts
+**Solidity**: `contracts/PiRC231Lending.sol`
+**Soroban**: `contracts/soroban/src/lending.rs`
+
+## 4. Implementation Roadmap
+- Phase 1: Core lending and borrowing logic
+- Phase 2: Dynamic interest rate curves
+- Phase 3: Mainnet integration with Justice Engine

docs/PiRC-232-Justice-Driven-Liquidation-Engine.md

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+# PiRC-232: Justice-Driven Liquidation Engine
+
+## 1. Executive Summary
+This standard establishes the liquidation engine for undercollateralized positions, directly tied to the PiRC-228 Justice Engine to ensure fair, transparent, and parity-safe liquidations.
+
+**Dependencies**: PiRC-231, PiRC-228
+**Status**: Complete reference implementation
+
+## 2. Architecture
+- Health factor monitoring
+- Justice Engine validation for liquidation triggers
+- Penalty distribution to ecosystem treasury
+
+## 3. Reference Smart Contracts
+**Solidity**: `contracts/PiRC232Liquidation.sol`
+**Soroban**: `contracts/soroban/src/liquidation.rs`
+
+## 4. Implementation Roadmap
+- Phase 1: Health factor calculations
+- Phase 2: Justice Engine integration
+- Phase 3: Automated keeper incentives