About P2P Lending P2P Lending is a decentralized, non-custodial money lending protocol on NEAR. As the primitive money market on NEAR, P2P Lending serves to complement both existing and emerging DeFi protocols to bootstrap the ecosystem’s growth. Money markets serve as the core foundation of all financial economies and with P2P Lending, assets on NEAR can be utilized more strategically and efficiently. Idle assets can be turned into interest-bearing auTokens, leverage can be achieved through collateralized borrowing, borrowed funds can be deployed elsewhere for additional yield. The beauty of DeFi lies in its composability, and P2P Lending unlocks further liquidity and flexibility of funds. Just like the art of paper folding, we bring together various points within the NEAR ecosystem and together, the end product becomes way more than the sum of its parts.