• P2P Matching: Directly connects borrowers and lenders to optimize rates.
  • Fallback to Liquidity Pools: Uses platforms like Kamino for unmatched requests to maintain liquidity and rewards for the lenders.
  • Stream-Based Repayments: Borrowers repay loans over time through customizable payment streams, allowing collateral to earn yield
  • User will put collateral in stablecoin only that will go to the underlying protocol and will generate a supply rate based yield
  • User will pay the interest fee either in advance or along the repayment periods Note - if any time the user misses the repayment collateral will be reduced to ensure the protocol doesn’t go into bad debt