Interest Protocol (IPT)

Interest Protocol (IP) is the first fractional reserve banking protocol on the Ethereum blockchain that pays interest to all depositors.

Whitepaper

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What is Interest Protocol

Interest Protocol issues a stablecoin, named USDi, that is both over-collateralized and highly scalable.

USDi holders automatically earn yield without having to stake, which means Interest Protocol provides yield opportunities to gas-conscious users.

Compared to lending protocols without fractional reserves, Interest Protocol can generate more loans from a given amount of capital while incurring less liquidity risk.

Every lending protocol has four key components:

• Users depositing capital
• Users posting collateral & borrowing capital
• Maintaining the peg with an interest rate system.
• Preventing a depeg with a liquidation system.

Interest Protocol improves upon each component to create an efficent and decentralized credit market.