Pledge Finance is an overcollateralized lending protocol on Robinhood Chain, an Arbitrum Orbit Layer 2 used for tokenized real-world assets. Users deposit approved tokenized equities and ETFs into isolated vaults and borrow USDG, a U.S. dollar stablecoin issued by Paxos on that chain, without selling the pledged shares. Each vault tracks one collateral asset and one USDG debt balance. Borrowing is capped by an asset-specific loan-to-value (LTV) ratio; a health factor below 1.0 makes the position eligible for liquidation. Core modules include a vault manager for deposit, borrow, repay, and withdraw; a Stability Pool that covers liquidated debt and receives collateral at a discount; a Surplus Buffer that collects origination and stability fees; oracle pricing; staking; and an application for liquidations and protocol analytics. On Robinhood Chain Testnet (chain ID 46630), these flows run against mock equity tokens and mock USDG so that vault, pool, and staking behavior can be tested before a mainnet deployment.