- P2P Matching Engine: Borrowers are directly matched with lenders in real-time, ensuring optimal interest rates for both parties without relying solely on pooled liquidity.
- Routing idle liquidity: When a direct match isn’t available, the system routes idle liquidty to LLP pools or the fallback pools , ensuring highest yield on the idle liquidty and zero idle capital.
- Collateralised Borrowing: Borrowers deposit collateral to borrow funds. This collateral is deployed into the underlying protocol so that it earns while backing the loan, maximising capital efficiency.
- liquidation: If a borrower fails to make repayments, a proportional portion of their collateral is automatically liquidated. This ensures the protocol stays solvent and protects lenders from bad debt.
- Instantaneous withdrawals: Lenders can withdraw their capital instantly at any time. Paystream enables this by combining unmatched funds, borrower collateral, and other liquidity sources to fulfil withdrawals.
- Leveraged Liquidity Provisioning: Users can invest in liquidity pools like CLM (concentrated liquidity markets), DLMM or DAMM with leverage ranging from 1x to 4x by borrowing additional capital through Paystream and paying interest on the borrowed funds. This LLP layer will serve as both an incentive for borrowers and a fallback mechanism for unmatched P2P funds.