# Introduction

Darsh's mission is to create a socialized way of lending and borrowing while maintaining DeFi's autonomy and permissionlessness by offering a decentralized peer to peer way for any individual to engage as a lender or borrower.

Our main goal is to provide an efficient and sustainable way for lenders to maximize their rewards on supplied asset by enabling them the ability to structure their loan terms while also removing the risk of an unexpected liquidation of a borrower's collateralized loan all being settled on-chain in a fully decentralized manner.

### Features

**For Lenders:**

**Terms Structuring:** Lenders are enabled to create offers with sets of predetermined loan terms, specifying the principal amount and asset type (ERC20), Collateral types, Loan duration, interest rate demanded to be met by a potential borrower.

**Asset Vaulting:** the principal supplied by a Lender is locked into a principal vault accessible to the lender anytime. The vault serves as a decentralized escrow between a lender and borrowers.

**On-Chain matching:** loan offers funded by lenders are matched and settled with a borrower once countersigned, all happening seamlessly with all transactions recorded and fully verifiable on-chain.

**Loan Managing:** on approving and creating a loan offer, lenders are assigned the full authority to a created loan offer of actions like settling borrow requests, repayments claiming, asset vault management all achievable on-chain

**For Borrowers:**

**Terms Structuring:** Borrowers willing to collateralize an asset type for a loan are enabled to create an offer with sets of predetermined terms, specifying the principal amount needed, loan duration, interest rate as a bid to a potential lender.

**Offer Bidding:** on a lend loan offer, borrowers are allowed to directly request for a borrow loan offer with loan terms relative to the lend loan initially offered by a lender. 

**Permissionless Borrowing:** principals can be borrowed by borrowers permissionlessly from a lend loan offer created by a lender, once the loan terms demanded are met.

**Customed Repayment:** loan repayments are ease for borrowers to reassess their collateralized asset anytime once repaid. Repayments can be paid in proportions or once within the loan duration specified.


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