Overview
P2P Lending is a decentralized marketplace that empowers individuals to lend or borrow without permission or intermediaries. It restores a true free market for capital, where two parties freely agree on loan terms. Unlike traditional DeFi protocols, P2P Lending removes liquidation risks through fixed-term, fully-collateralized loans.
Key Principles
Fully on-chain, peer-to-peer lending
No liquidation: funds are safe until maturity
Borrower-defined terms: LTV, interest, deadlines
Fixed interest — no accrual over time
ERC721 loan representation (NFTs)
Permissionless, trustless, and transparent
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