Peko Protocol is a decentralized, transparent and non-custodial lending protocol built for layer2 chains where users can participate as lenders or borrowers in isolated lending pools. Peko Protocol aims to build high-velocity markets for more traditional crypto-asset lending services, with one unified margin account, users can earn interest on deposits, borrow from shared liquidity pools against collateral. 

Peko Protocol will also Introduce Dynamic Collateral Factor (DCF), a groundbreaking mechanism for calculating collateral factor. Unlike traditional methods that rely solely on the liquidity of assets, DCF takes into account an additional crucial factor—the user's credit score. As a result, the collateral factor becomes a dynamic metric that adapts to the borrower's financial history, allowing for a more accurate assessment of risk.

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