4.3. Decentralized Loan Protocol

Over-Collateralized Loans

• Borrower Protection: Loans are over-collateralized, reducing risks of defaults by ensuring borrowers provide collateral greater than the loan amount. Ideal for crypto holders seeking liquidity.

Under-Collateralized Loans

• For Reputable Dealerships: Trusted dealerships with good credit histories and active subscriptions to DeepSeek Token can access under-collateralized loans to accelerate vehicle financing.

Community Lending Pool

Presale Allocations: Community lending pools are funded by presale allocations and future inflows, enabling stakers to earn yields from borrower interest payments.