BNPL Pay intends to disrupt the global credit markets by creating a unique uncollateralized lending protocol. The protocol will allow users to borrow funds through its system of distributed P2P lenders run natively on the Ethereum blockchain. The BNPL Protocol allows for anyone to create a banking node, and these nodes compete for capital from lenders and for the loan fulfillment of borrowers. Such a system is conducive to reaching maximum utility for both borrowers and lenders. We have designed our protocol to allow banking nodes full autonomy in their individual operations. At the same time, we provide lenders full transparency of each banking node’s track record and other relevant metrics.

Key features of BNPL Pay:

• No Collateral Needed. Anyone can apply for an uncollateralized loan from our decentralized network of banking nodes
• Participate in the Protocol. Anyone can stake BNPL tokens to help secure the protocol, participate in governance and earn rewards
• Be your own Bank. Anyone can register a Banking Node by bonding BNPL tokens and operating their node with full autonomy
• Full Transparency. All participants can see a fully transparent and immutable history of all Banking Node activity powered by the Ethereum network.