With EQIFI, the entire digital asset, blockchain and cryptocurrency ecosystem of traders, investors, developers, exchanges and app users may borrow against multi-type assets without selling.

Apps may borrow assets for use in the Ethereum ecosystem without waiting for an order to close or requiring off-chain activity. Similarly, speculators may deploy a variety of trading techniques, including shorting, to maximise their opportunity, while miners may borrow against an extensive selection of collateral.

Fixed Rate Products

EQIFI Fixed Rate Products will consist of pooled loans at a fixed interest rate that settle on a specified future date. The user will provide collateral in the form of ETH, wBTC, Stablecoins, and select fiat currencies (which are converted into Stablecoins) into pools, which will have fixed rates attached to them. The interest rates will be algorithmically set through a smart contract.

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Variable Rate Products

EQIFI Variable Rate Products will feature algorithmic borrow rates, making the marketplace more vibrant and automatically responsive to changes across the network based on user activity and demand thus increasing levels of borrowing from the token pool. With more demand for borrowing, the interest rates will automatically rise, which will drive more lenders to participate.

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Interest Rate Swaps

Interest Rate Swaps are forward contracts in which one stream of future interest payments is exchanged for another based on a specified principal amount. Interest rate swaps usually involve the exchange of a fixed interest rate for a variable rate, or vice versa, to reduce or increase exposure to fluctuations in interest rates. The EQIFI Interest Rate Swap product will once appropriately regulated, reduce the volatility of variable rate lending and certain money market products.

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Yield Aggregator

EQIFI Yield Aggregator will be an automated aggregator of leading external yield farming products, making yield farming simple and automatic. It will be designed to be accessible to those familiar with DeFi and yield farming and also those entirely new to the sector. The platform will, once EQIFI is appropriately licensed, seek to be the world’s leading self-investment platform and will automatically assign capital between different liquidity pools in order to pursue the best available profit and margin at all times.

See Schematic >