The Self-Reinforcing DeFi Lending Ecosystem’s vision is to create a self-reinforcing DeFi lending platform. The first version of our non-custodial crypto lending platform available in the Ethereum main-net:

CryptoFin Conference - Martin Ploom

How to Disintermediate the Banks?

How to disintermediate the banks – here is our talk from the CryptoFin Conference from October 2019 in Tallinn and additional explanations: Here is the

Crypto Credit Money

Crypto Credit-Money – Why do we need it?

We presented at the Blockercon Conference in Bristol ( in June 2019 our favorite topic – Crypto Credit-Money – Why do we need it? Presentation Pitch from Paris Blockchain Week

Here is pitch — 3 minutes and 40 seconds — from the Paris Blockchain Week. Enjoy! Pitch Transcript So, we are in the lending business, in the

Lecture – HWZ Zürich, Deep Dive

We were honored to give a Deep Dive lecture at the HWZ Zürich Blockchain seminar ( Here are our presentation slides. In the following,

Why do we have inequality?

Meet the Big Blue Elephant in the room Today, the world is to a big extent influenced by the wealth pyramid so that 1% of

Crypto Credit Money  –  Will this time be different?

In the previous article, we looked at the two dimensions of money — base money and credit money. We also looked at the different kind of monetary systems that existed in the last 5’000 years and possible scenarios for the future. Crypto Lending Idea

Here is the Youtube video explaining the idea of Here is the transcript Hi guys, this is Tarmo speaking. Hi guys, I’m Martin, I’m  Newsletter No. 2 newsletter has a simple mission:  “The Bitcoin whitepaper defined the base money for the Internet. defines the credit-money for the Internet.” In the