A gap exists between traditional fiat lending and digital asset-backed lending. The divide is marked by safe, long-standing, regulated lending practices on the one side, and highly specialized engineers with big ideas on the other. Our open-source, lending management protocols and vast traditional fiat lending experience bridges this gap. Our protocols expand traditional lenders’ existing product lines, optimizes its origination processes and automates servicing capabilities. Built on the blockchain, our system is mostly trustless with the exception of certain assessment protocols, information privacy modules and fund transfer activity.