BNPL Pay intends to disrupt the global credit markets by creating an uncollateralized lending protocol. The protocol is designed to allow users to borrow funds through its system of distributed P2P lenders run natively on the Ethereum blockchain.

Once the BNPL Protocol is live, there will be multiple Banking Nodes running with multiple pools. A borrower can apply for a loan from any of these nodes. Lenders and stakers will be able to lend stablecoins, stake BNPL tokens or do both, with any of these nodes.

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