Loan Agreement

Diamonde decentralized lending protocol provides users with non-custodial liquidity financial services, allowing users to manage their assets independently without relying on third parties, achieving a perfect combination of deposit income and lending needs. The core goal of the protocol is to meet users' diverse asset appreciation needs through a safe, efficient and transparent lending mechanism, while promoting the further prosperity of the DeFi ecosystem.

Non-custodial asset management:

  • When users deposit assets in the protocol, the funds are completely managed by smart contracts without relying on centralized institutions, greatly reducing the risk of asset abuse or misappropriation.

  • Users always retain full control over their assets, which is in line with the core principle of DeFi decentralization.

Two-way income model:

  • Depositors: Earn stable deposit interest by depositing assets into the liquidity pool, and the income comes from the interest paid by the borrower and the protocol reward mechanism.

  • Borrowers: Can quickly obtain liquidity without intermediaries, while enjoying the lower interest rates and transparent lending conditions brought by decentralized protocols.

Dynamic interest rate mechanism:

  • The interest rate is dynamically adjusted based on market supply and demand: when the demand for lending is high, the deposit interest rate will increase accordingly, incentivizing more users to deposit assets and increase liquidity; when the demand decreases, the interest rate will also decrease accordingly to maintain market balance

  • This mechanism can effectively optimize the utilization of funds while ensuring the stability of the system

Security and transparency:

  • The lending agreement is run through smart contracts, and all transaction records can be publicly queried on the blockchain, and users can monitor the operation status of the agreement at any time.

  • Smart contracts are strictly audited to minimize the possibility of security vulnerabilities and malicious attacks.

Multi-asset support:

The protocol supports mainstream digital assets (such as ETH, USDT, USDC, etc.) and emerging tokens, providing users with a rich asset selection to meet different investment and lending needs.

  • Despositors: can deposit tokens into the Diamonde asset pool and earn interest income.

  • Borrowers: can borrow DIA cryptocurrency from the fund pool through over-collateralized assets or uncollateralized methods, and pay a certain interest fee for it.

  • Price Oracle: provides loan interest rate information.

  • Collateral Liquidators: liquidate assets when the value of collateral assets falls to the liquidation line.

  • Integrated Applications

What are the advantages of Diamonde compared to other lending protocols?

The Diamonde protocol supports a variety of cryptocurrency assets and a variety of collateral forms, providing users with greater asset flexibility and diversified investment options. Whether it is a single collateral (such as mainstream assets such as ETH, USDC) or a mixed collateral (combining multiple assets to diversify risks), the protocol can efficiently support and manage it.

Lower interest rates

Diamonde's interest rates are generally lower than other lending protocols, which means users can get cheaper borrowing. In addition, Diamonde provides users with more flexible interest rate options. Users can choose fixed or floating interest rates to adapt to market fluctuations.

More secure

Diamonde lending protocol adopts a variety of security measures, including smart contract audits, funding pool models, and insurance funds.

Higher liquidity

Diamonde's financial lending business completes borrowing or mortgaging within seconds, and users can quickly trade and move assets without waiting for miner confirmation

Community Governance

The Diamonde lending protocol adopts a decentralized governance model, allowing users holding DIA to vote on the development direction of the platform, including upgrading the lending protocol and voting on new features.

Innovative hybrid collateral and dynamic weighting mechanism: achieve asset risk diversification and market dynamic adaptation.

User experience first: provide intuitive interface, real-time interest rate display and reminder function to help users easily manage assets.

Risk buffer and protection mechanism: improve the security and stability of the system through margin reminders and risk buffer funds.

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