Hashstack Finance

Lending/Borrowing
DEXs
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Description

Hashstack Finance introduces an innovative open finance protocol aimed at revolutionizing the DeFi lending and borrowing landscape by enabling under-collateralized loans. Unlike traditional DeFi platforms that rely on over-collateralization, Hashstack’s Open protocol allows borrowers to secure loans with lower collateral requirements, with a striking feature of up to a 1:3 collateral-to-loan ratio. This means a borrower can obtain up to $300 in loans for every $100 of collateral, of which $70 can be immediately withdrawn and $230 used as in-platform trading capital. This model significantly enhances capital efficiency and accessibility, promoting liquidity within the DeFi ecosystem. Hashstack Finance leverages smart contracts for transaction automation and asset security, ensuring transparent and decentralized operations. The platform supports saving, lending, and borrowing activities with reduced financial barriers, addressing systemic design flaws in current DeFi lending with its unique approach to under-collateralization, asset utilization, and liquidity management through minimum commitment periods (MCP). Furthermore, the integration of blockchain technology and collaborati...

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FAQ

What is Hashstack Finance?

Hashstack Finance is an open finance protocol offering non-custodial, secure, and flexible financial services with a focus on improving the DeFi lending and borrowing landscape. It offers under-collateralized loans, allowing users to borrow with significantly lower collateral requirements, thus enhancing capital efficiency and accessibility in the DeFi ecosystem.

How does Hashstack Finance's Open Protocol benefit users?

Hashstack Finance's Open Protocol benefits users by providing autonomous under-collateralized loans with a 1:3 collateral-to-loan ratio. Users can borrow up to $300 by providing only $100 as collateral, withdrawing up to 70% as cash and using the remainder for in-platform trading. This approach addresses inefficiencies in traditional DeFi lending, enhancing liquidity and asset utilization.

How does Hashstack Finance compare to traditional DeFi platforms?

Unlike traditional DeFi platforms that require over-collateralization, Hashstack Finance offers under-collateralized loans, requiring less collateral while still maintaining security and flexibility. This novel approach increases capital efficiency and extends financial service access, addressing over-collateralization's systemic design flaws prevalent in other DeFi lending models.

What role do smart contracts play in Hashstack Finance?

Smart contracts in Hashstack Finance automate transactions and ensure asset security on the platform. By utilizing blockchain technology, these contracts facilitate transparent, decentralized financial operations, streamlining processes and reducing the need for intermediaries, contributing to the platform's reliability and security.

How do Minimum Commitment Periods (MCP) enhance Hashstack's protocol?

Minimum Commitment Periods (MCP) in Hashstack's protocol enhance liquidity predictability by structuring deposits and loans with set time frames. MCPs improve the systemic predictability of liquidity inflows and outflows, facilitating more effective asset management and improving the overall efficiency of the lending operations.

What integrations does Hashstack Finance support to enhance loan utilization?

To enhance loan utilization, Hashstack Finance integrates with various decentralized applications (dApps). An example is its integration with Paraswap, which facilitates in-app market swaps, allowing users to maximize the utility of their loans and engage in a broader range of DeFi activities directly from the platform.

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