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update feature list for tradfi
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docs/index.md

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## Simplicity for Bitcoiners
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<div class="grid cards" markdown>
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- ### :material-code-braces: Expressive Smart Contracts
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## Simplicity for Finance
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<div class="grid cards" markdown>
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- ### :material-handshake: Reduced Counterparty and Settlement Risk
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By encoding complex settlement logic directly on-chain, contracts become self-enforcing and physically settled without intermediaries, drastically reducing counterparty risk.
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- ### :material-receipt-text-check-outline: No More Surprise "Gas" Fees
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Every Simplicity contract has a statically bounded computational cost that can be determined before execution. This provides predictable, reliable operational fees, eliminating the unpredictable fee dynamics seen on other platforms.
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- ### :material-bank-plus: Build Complex TradFi Products On-Chain
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Simplicity is expressive enough to create sophisticated, non-custodial financial instruments directly on-chain. Build trustless versions of traditional products like options, bonds, and collateralized loans without relying on intermediaries or oracles.
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- ### :material-treasure-chest: Programmable Treasury and Asset Control
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Create powerful on-chain rules (covenants) for self-custodied, institutional-grade vaults. Enforce spending limits, require multi-party approval for large transactions, or programmatically enforce time-locked withdrawals and spending velocity limits—all without a trusted third party.
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</div>
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## Simplicity Examples
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<div class="grid cards" markdown>
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- ### :material-lock-clock: Hash Time-Locked Contracts (HTLCs)
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The building block for payment channels and atomic swaps. Lock funds until a secret is revealed or a timeout is reached, enabling trustless, cross-chain exchanges and Layer 2 protocols like the Lightning Network.
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- ### :material-swap-horizontal-bold: Trustless Atomic Swaps
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Execute peer-to-peer trades of different assets across blockchains without settlement risk. Simplicity ensures that either both parties receive their assets or the trade is atomically reverted.
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- ### :material-chart-line: Covered Call Options
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Write and settle derivatives contracts directly on-chain. A seller can lock collateral to issue a call option, which a buyer can exercise at a predetermined strike price before an expiry date, all enforced by the Simplicity program.
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- ### :material-cash-lock: Collateralized Loans
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Lock collateral in a Simplicity contract to borrow assets. The program guarantees that the lender can claim the collateral if the borrower defaults, or that the borrower can reclaim it upon repayment—all without a trusted intermediary.
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# Write in a Language You Already Know
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You can use SimplicityHL, a high-level language with a clean, Rust-like syntax. This abstracts away low-level complexity, making it straightforward to write clear and reliable financial contracts with minimal code.
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``` rust title="Hash Time-Locked Contract"
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/*
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* The recipient can spend the coins by providing the secret preimage of a hash.

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