Lending platforms

Lenders often provide promises and use the loaned assets to provide liquidity. Lending has a high risk of default due to rug pulls, flash loans and inside trading.

Code risk (1)
Do you understand the term impermanent loss?
1.75 Impermanent loss is where the fair value of digital assets locked up in a liquidity pool changes after being deposited and creates an unrealized loss (in fiat or stable coin terms) versus if the liquidity provider had simply held the digital assets.
Market risk (2)
Does the platform or smart contract show use cases?
Governance risk (3)
Does the provider state how they mitigate against flash loan losses?
3.82 Manipulation of the liquidity pool by bad actors through gaining leverage without collateral will impact the promised returns.
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No financial advice

These global standards, best practice guidance and risk due diligence questions are an attempt to make DeFi a level playing field. They are not intended to provide any investment advice. Claims made in this website do not constitute investment advice and should not be taken as such. In the meantime, it would be very useful if the jurisdictional regulators would start working together and treating these new financial related projects as a different form of instrument. The Howey Test (1946) was designed in an era of deeds of title and paper bearer certificates. DeFi can be humanless and profit is not always the motive for using protocols. TradFi Derivatives for example are based on underlyings of real assets like the fair value of incorporated companies whose value is derived from fiat currencies which are themselves derivatives on an underlying like gold or a printing machine. Fiat is seen to be a real asset which it clearly is not. The new DeFi world matches actors with agendas. Most of the time the agenda is to do things better and faster. Defi enables everyone including the bankless and unserved members of the community to transact without having to understand how to use Excel or have an MBA from an elite university or be able to able to decipher the millions of pages of legal text opinions as to whether a bitcoin is a currency, a security, a commodity, a derivative, an underlying, a valueless number, type of gambling or something that will just go away. While we wait for a consensus by the old guard, the new guard will create their own computer based standards. Our aim is to turn these standards into bots or smart contracts that do all of this behind the scenes. Image a world where the community agree on how to transact and just do it without a parental overseer who is always a bit behind the curve...


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