DeFi system-based loan method

Abstract

The invention provides a debit and credit method based on a DeFi system, and the method comprises the steps: A, obtaining a loan amount submitted by a loan party passing identity verification based on a loan intelligent contract, and determining a loan interest rate according to the current fund utilization rate of a token fund pool; b, if the loan party accepts the loan interest rate, a loan request submitted by the loan party is received based on the loan intelligent contract and compliance verification is carried out, and the loan request comprises the loan amount; and C, if the compliance verification is passed, the loan amount is paid to the loan party through the loan intelligent contract. In a DeFi system, a floating loan interest rate is provided by linking a loan interest rate with a fund utilization rate of a token fund pool, so that the fund utilization rate is improved, the fund acquisition capability of a loan party and the income of a lender are increased, the balance of supply and demand of a loan market is maintained, and effective balance of mobility and the interest rate is realized.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a lending technology based on a DeFi system. Background Art

[0002] The DeFi (Decentralized Finance) system is a new type of financial system built using blockchain technology, which aims to achieve decentralized, non-intermediary token financial services. In the DeFi ecosystem, lending is one of its core functions, which is usually implemented through smart contracts. There is currently a lending process based on the DeFi system, such as Figure 1 As shown in the figure, lenders can deposit tokens into the token fund pool of the DeFi system through smart contracts through their wallets, which can increase the liquidity of the token fund pool, earn interest, and redeem tokens. Lenders can provide token assets as collateral through smart contracts, borrow tokens from the token fund pool through their wallets, pay interest, and redeem collateralized token assets.

[0003] According to the matching method of lending and borrowing, the existing lending models based on the DFi system can be divided into peer-to-peer and peer-to-pool. In the peer-to-peer lending model, lenders and lenders match directly to conduct transactions, and interest rates and other conditions are determined by negotiation between the two parties. In the peer-to-pool lending model, lenders and lenders borrow and lend through a shared token pool and in accordance with the established token pool rules. The interest paid by the lender enters the token pool and is distributed proportionally to the providers of token pool liquidity (i.e., the lenders who lend tokens and deposit them into the token pool).

[0004] Currently, the peer-to-pool lending model is the mainstream in the DeFi ecosystem. However, the peer-to-pool lending model has the following problems: there are often a large amount of idle token funds in the token fund pool, and the interest income needs to be evenly distributed with the unused token funds, resulting in low capital utilization efficiency; due to the high volatility of the financial market, if a fixed interest rate is adopted, it is difficult to effectively implement the fixed interest rate pricing. Usually, a floating interest rate is adopted to adapt to market fluctuations, but interest rate fluctuations may have an adverse impact on the long-term financial planning and risk management of both borrowers and lenders.

[0005] Therefore, the existing lending model based on the DeFi system has the defect of being difficult to balance liquidity and stability (i.e. long-term financial planning and risk management). Summary of the invention

[0006] The purpose of the present invention is to provide a lending method based on the DeFi system, so as to at least partially solve the defect that it is difficult to balance liquidity and stability in the existing lending model based on the DeFi system.

[0007] According to one aspect of the present invention, a lending method based on a DeFi system is provided, wherein the method comprises:

[0008] Based on the loan smart contract, obtain the loan amount submitted by the authenticated lender and determine the loan interest rate based on the current capital utilization rate of the token capital pool;

[0009] If the lender agrees with the loan interest rate, based on the loan smart contract, the loan request submitted by the lender is received and compliance verification is performed, wherein the loan request includes the loan amount;

[0010] If the compliance verification is passed, the loan amount is paid to the lender through the loan smart contract.

[0011] Optionally, before obtaining the loan amount submitted by the authenticated lender based on the loan smart contract, the method further includes:

[0012] Based on the deposit smart contract, receiving a deposit request provided by a lender that has passed identity verification and performing compliance verification, wherein the deposit request includes a deposit amount;

[0013] If the compliance verification is passed, the deposit amount will be deposited into the token fund pool.

[0014] Optionally, the loan interest rate is determined according to the current capital utilization rate of the token capital pool, including:

[0015] According to the current capital utilization rate of the token capital pool, a floating loan interest rate is determined, and the floating loan interest rate is used as the loan interest rate, wherein,

[0016] If the current capital utilization rate does not exceed the first preset threshold, the floating loan interest rate is determined according to the following formula (1):

[0017]

[0018] Among them, r is the floating loan interest rate, u t is the first preset threshold, r t is the preset loan interest rate corresponding to when the capital utilization rate is the first preset threshold, and u is the current capital utilization rate;

[0019] If the current capital utilization rate does not exceed the second preset threshold, the floating loan interest rate is determined according to the following formula (2):

[0020]

[0021] Among them, r is the floating loan interest rate, u t is the first preset threshold, u mPreset threshold for borrowing, r t is the preset loan interest rate when the capital utilization rate is the first preset threshold, u is the current capital utilization rate, and n is the preset value.

[0022] Optionally, if the deposit request also includes a deposit term, step B further includes:

[0023] Part or all of the deposits corresponding to the deposit term are added to a to-be-matched queue corresponding to the deposit term.

[0024] Optionally, the loan request further includes a loan term, and before paying the loan amount to the lender through the loan smart contract, the method further includes:

[0025] According to the loan term, determine the queue to be matched corresponding to the deposit term that is the same as the loan term, and match the loan amount with the queue to be matched in order. If it is successfully matched with one or more time deposits, redetermine the loan interest rate.

[0026] Optionally, the lending method based on the DeFi system further includes:

[0027] The time deposit is removed from the to-be-matched queue.

[0028] Optionally, the re-determining the loan interest rate includes:

[0029] Determine the floating loan interest rate according to formula (1) or formula (2);

[0030] The loan interest rate is determined according to the following formula (3):

[0031] r x = rx (1-d ft ) x (1-d t ) (3)

[0032] Among them, r x is the loan interest rate, r is the floating loan interest rate, d t is the preset fixed-term discount rate, d ft is the fixed interest rate discount rate, determined according to the following formula (4):

[0033] d ft =d n + (d m -d n ) x (1-u) (4)

[0034] Among them, d n is the preset minimum discount rate of the fixed interest rate, d mis the preset maximum discount rate of the fixed interest rate, and u is the current capital utilization rate.

[0035] Optionally, if the lender and / or borrower that has successfully matched defaults on the contract, the method further comprises:

[0036] Based on the loan smart contract, a penalty paid by the lender is received, and / or based on the deposit smart contract, a penalty paid by the lender is received, wherein the penalty is determined according to the following formula (5):

[0037] m=(r f xp f +r u x (1-p f )) x M xr (5)

[0038] Among them, m is the fine, r f is the preset penalty rate for the completed deadline, r u is the preset penalty rate for unfinished deadlines, p f is the percentage of completed term, M is the amount of tokens successfully matched, and r is the loan interest rate.

[0039] The fine is distributed according to preset rules.

[0040] Optionally, the lending method based on the DeFi system further includes:

[0041] Based on the deposit smart contract, the current interest income is paid to the lender, wherein the current interest income is determined according to the current income of the token fund pool.

[0042] Optionally, the lending method based on the DeFi system includes:

[0043] The current capital utilization rate is determined based on the loan amount, the total amount of deposits in the token fund pool and the total amount of loans.

[0044] Compared with the prior art, the present invention provides a lending method based on the DeFi system, including: based on the loan smart contract, obtaining the loan amount submitted by the authenticated lender, and determining the loan interest rate according to the current capital utilization rate of the token fund pool; if the lender agrees with the loan interest rate, based on the loan smart contract, receiving the loan request submitted by the lender and performing compliance verification, wherein the loan request includes the loan amount; if the compliance verification passes, paying the loan amount to the lender through the loan smart contract. In the DeFi system, by linking the loan interest rate with the capital utilization rate of the token fund pool, a floating loan interest rate is provided to improve capital utilization, increase the lender's ability to obtain funds and the lender's income, maintain the balance of supply and demand in the lending market, and achieve an effective balance between liquidity and interest rates. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] Other features, objects and advantages of the present invention will become more apparent from the detailed description of non-limiting embodiments made with reference to the following drawings:

[0046] Figure 1 A schematic diagram of an existing lending process based on the DeFi system is shown;

[0047] Figure 2 A schematic diagram of a lending method based on a DeFi system according to one aspect of the present invention is shown;

[0048] Figure 3 A curve showing the relationship between an exemplary loan interest rate and current capital utilization rate according to an optional embodiment of the present invention;

[0049] The same or similar reference numerals in the drawings represent the same or similar components. DETAILED DESCRIPTION

[0050] The present invention is further described in detail below in conjunction with the accompanying drawings.

[0051] In a typical configuration of each embodiment of the present invention, the execution subject of the method, each trusted party of the system and / or each module of the device includes one or more processors (CPU), input / output interface, network interface and memory.

[0052] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0053] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include non-transitory media such as modulated data signals and carrier waves.

[0054] At present, the peer-to-pool lending model is the mainstream in the DeFi ecosystem. However, the peer-to-pool lending model has the following problems: there are often a large amount of idle token funds in the token fund pool, and the interest income needs to be evenly distributed with the unused token funds, resulting in low capital utilization efficiency; due to the high volatility of the financial market, if a fixed interest rate is adopted, it is difficult to effectively implement the fixed interest rate pricing. Usually, a floating interest rate is adopted to adapt to market fluctuations, but interest rate fluctuations may have an adverse impact on the long-term financial planning and risk management of both borrowers and lenders. Therefore, the existing lending model based on the DeFi system has the defect of being difficult to balance liquidity and stability.

[0055] The present invention provides a lending method based on the DeFi system, which provides a floating loan interest rate by linking the loan interest rate to the capital utilization rate of the token fund pool, so as to improve the capital utilization rate, increase the fund acquisition ability of the lender and the income of the lender, maintain the balance of supply and demand in the lending market, and achieve an effective balance between liquidity and interest rates. On this basis, a fixed interest rate discount option is also provided to meet the stability needs of both borrowers and lenders, maximize the capital utilization rate, reduce the liquidation risk and / or income risk caused by interest rate fluctuations, and enhance the anti-volatility of the token fund pool. A reasonable breach of contract penalty mechanism is also introduced to punish breach of contract and reasonably allocate fines to further improve the security and liquidity of the token fund pool, while also improving the lending experience.

[0056] In order to further illustrate the technical means adopted by the present invention and the effects achieved, the technical scheme of the present invention is clearly and completely described below in conjunction with the accompanying drawings and various embodiments.

[0057] Figure 2A schematic diagram of a lending method based on a DeFi system according to one aspect of the present invention is shown, wherein the method of an embodiment includes:

[0058] S201 obtains the loan amount submitted by the authenticated lender based on the loan smart contract, and determines the loan interest rate based on the current capital utilization rate of the token capital pool;

[0059] S202: If the lender agrees with the loan interest rate, based on the loan smart contract, receiving the loan request submitted by the lender and performing compliance verification, wherein the loan request includes the loan amount;

[0060] S203: If the compliance verification is passed, the loan amount is paid to the lender through the loan smart contract.

[0061] The method of this embodiment is implemented in the DeFi system. The DeFi system is a new type of financial system built using blockchain technology, which aims to achieve decentralized, non-intermediary token financial services. The lending process based on the DeFi system of this application can be as follows: Figure 1 shown.

[0062] In this embodiment, in step S201, the DeFi system may obtain the loan amount submitted by the authenticated lender based on the loan smart contract, and determine the loan interest rate based on the current capital utilization rate of the token capital pool.

[0063] After the user of the DeFi system successfully registers, his / her identity information will be recorded on the blockchain, and the relevant information of each subsequent identity authentication and transaction will be recorded on the blockchain. Among them, the DeFi system can first authenticate the lender who has provided token assets as collateral. If the identity is passed, in step S201, the DeFi system obtains the loan amount submitted by the lender through its wallet according to the loan smart contract, and determines the loan interest rate corresponding to the loan amount according to the current capital utilization rate of the token fund pool.

[0064] Among them, the token fund pool of the DeFi system includes current or time deposits deposited by lenders, as well as current or time loans lent by lenders.

[0065] Continuing with this embodiment, in step S202, if the lender agrees with the loan interest rate, the DeFi system may receive the loan request submitted by the lender and perform compliance verification based on the loan smart contract, wherein the loan request includes the loan amount.

[0066] Among them, the DeFi system sends the loan interest preliminarily determined in step S201 to the lender's wallet. If the lender agrees and accepts the loan interest rate, in step S202, the DeFi system can receive the loan request submitted by the lender through its wallet according to the loan smart contract, and conduct compliance verification on it, wherein the loan request includes the aforementioned loan amount.

[0067] Continuing with this embodiment, in step S203, if the compliance verification passes, the loan amount is paid to the lender through the loan smart contract.

[0068] If the compliance verification in step S202 is passed, the DeFi system can pay the loan amount to the lender's wallet through the loan smart contract. The lender will pay the loan interest to the DeFi system through its wallet according to the loan interest rate.

[0069] Through steps S201 to S203 of the above embodiment, the lender who has passed the identity authentication can borrow tokens through the DeFi system based on the collateral of its token assets. The loan interest rate is linked to the current capital utilization rate of the token fund pool of the DeFi system. It is a floating rather than fixed interest rate, which can improve the capital utilization rate, increase the lender's ability to obtain funds and the lender's income, maintain the balance of supply and demand in the lending market, and achieve an effective balance between liquidity and interest rates.

[0070] In order to ensure the liquidity of the token fund pool of the DeFi system, optionally, before step S201, the lending method based on the DeFi system further includes:

[0071] Based on the deposit smart contract, receiving a deposit request provided by a lender that has passed identity verification and performing compliance verification, wherein the deposit request includes a deposit amount;

[0072] If the compliance verification is passed, the deposit amount will be deposited into the token fund pool.

[0073] First, it is necessary to ensure that the token fund pool of the DeFi system has tokens that can be used for loans. In this optional embodiment, the DeFi system can receive a deposit request from a lender that has passed identity verification based on a deposit smart contract, and perform compliance verification on the deposit request. If the compliance verification passes, the DeFi system can deposit the deposit amount into its token fund pool to provide liquidity. The deposit request at least includes the deposit amount.

[0074] Optionally, in step S201, the loan interest rate is determined according to the current capital utilization rate of the token capital pool, including:

[0075] According to the current capital utilization rate of the token capital pool, a floating loan interest rate is determined, and the floating loan interest rate is used as the loan interest rate, wherein,

[0076] If the current capital utilization rate does not exceed the first preset threshold, the floating loan interest rate is determined according to the following formula (1):

[0077]

[0078] Among them, r is the floating loan interest rate, u t is the first preset threshold, r t is the preset loan interest rate corresponding to when the capital utilization rate is the first preset threshold, and u is the current capital utilization rate;

[0079] If the current capital utilization rate does not exceed the second preset threshold, the floating loan interest rate is determined according to the following formula (2):

[0080]

[0081] Among them, r is the floating loan interest rate, u t is the first preset threshold, u m is the second preset threshold, r t is the preset loan interest rate when the capital utilization rate is the first preset threshold, u is the current capital utilization rate, and n is the preset value.

[0082] Among them, in order to take into account the interest rate adjustment and the security of the token fund pool, when the current fund utilization rate u of the token fund pool of the DeFi system does not exceed the first preset threshold u t , that is, when the current capital utilization rate is low, the loan interest rate r can be determined by formula (1), which can be adjusted linearly with the change of the current capital utilization rate u. The reasonable use of the liquidity of the token fund pool can ensure that the loan interest rate r gradually increases with the increase of lending demand, and it is also convenient for both borrowers and lenders to predict the change of the loan interest rate. When the current capital utilization rate u of the token fund pool of the DeFi system exceeds the first preset threshold u t , but has not exceeded the second preset threshold u m , the loan interest rate r can be determined by formula (2), where the first preset threshold u t , the second preset threshold u m , loan interest rate t The value n can be determined separately through the project governance voting mechanism. That is, when the current fund utilization rate is high, the loan interest rate can change exponentially with the change of the current fund utilization rate to protect the token fund pool from arbitrage attacks and prevent the liquidity of the token fund pool from being exhausted. Figure 3 As shown, an exemplary relationship curve between loan interest rate and current capital utilization rate is shown.

[0083] In order to obtain more deposit income, the tokens deposited by the lender can be selected as fixed deposits and the deposit period can be agreed upon, while the lender also needs to balance the loan period and loan interest rate. In order to balance the interests of both borrowers and lenders, the aforementioned determined loan interest rate can be adaptively adjusted in combination with the supply and demand of both borrowers and lenders.

[0084] Optionally, if the deposit request further includes a deposit term, the method further includes:

[0085] Part or all of the deposits corresponding to the deposit term are added to a to-be-matched queue corresponding to the deposit term.

[0086] Among them, if the deposit request provided by the lender includes not only the deposit amount but also the deposit term, the DeFi system can add the deposit corresponding to the deposit term to the to-be-matched queue corresponding to the deposit term after depositing the deposit amount into the token fund pool.

[0087] Among them, the lender can directly agree on the deposit term in the initial deposit request (for example, the deposit term is agreed to be 3 months, 6 months, 1 year, etc.). If the deposit term is not included in the initial deposit request, the lender can also update the deposit request after the token is deposited into the token fund pool and before redemption, and choose to extend the deposit term of part or all of the deposit. Among them, the time deposits in the token fund pool of the DeFi system will be added to the queue to be matched corresponding to the deposit term in the order of deposit time according to the deposit term, and each deposit term corresponds to a queue to be matched. Among them, before the time deposit in the queue to be matched is successfully matched with a lender, it enjoys the interest of the current deposit.

[0088] Generally speaking, the interest rate of a loan with a fixed term should be lower and more favorable than the interest rate determined in the aforementioned embodiment and / or optional embodiment.

[0089] Optionally, the loan request further includes a loan term. In step S203, before paying the loan amount to the lender through the loan smart contract, the method further includes:

[0090] According to the loan term, determine the queue to be matched corresponding to the deposit term that is the same as the loan term, and match the loan amount with the queue to be matched in order. If it is successfully matched with one or more time deposits, redetermine the loan interest rate.

[0091] Among them, if the loan request submitted by the lender who has passed the identity verification includes not only the loan amount but also the loan term, the DeFi system can determine the queue to be matched in the token fund pool corresponding to the deposit term with the same loan term according to the loan term in the loan request after the compliance verification of the loan request is passed, and match the loan amount in the loan request with the order of the queue to be matched. If it is successfully matched with one or more time deposits, the loan interest rate corresponding to the loan request will be adjusted preferentially, and the loan interest rate corresponding to the loan request will be re-determined.

[0092] Among them, if the loan amount in a loan request is successfully matched with multiple time deposits in the corresponding matching queue, and the amount of the last time deposit is greater than the difference between the total amount of the previous time deposits and the loan amount, then the last time deposit can be divided into two, one of which has an amount equal to the difference, and the other has an amount equal to the difference between the amount of the last time deposit and the difference.

[0093] Among them, the lender can directly agree on the loan term in the initial loan request (for example, the loan term is agreed to be 3 months, 6 months, 1 year, etc.). If the loan term is not included in the initial loan request, or although the loan term is included in the initial loan request, there is no matching time deposit in the token fund pool of the DeFi system, the lender can first request a current loan. When the conditions are right (for example, there are matching time deposits, the loan interest rate is suitable, etc.), part or all of the current loan can be converted into a time loan to enjoy a more favorable loan interest rate.

[0094] Optionally, the lending method based on the DeFi system further includes:

[0095] The time deposit is removed from the queue to be matched.

[0096] Among them, after a loan with a loan term is successfully matched with one or more time deposits in the corresponding queue to be matched, the successfully matched one or more time deposits can be removed from the queue to be matched to ensure that subsequent new loans with the same loan term can be matched normally.

[0097] Optionally, the re-determining the loan interest rate includes:

[0098] Determine the floating loan interest rate according to formula (1) or formula (2);

[0099] The loan interest rate is determined according to the following formula (3):

[0100] r x = rx (1-d ft ) x (1-d t) (3)

[0101] Among them, r x is the loan interest rate, r is the floating loan interest rate, d t is the preset fixed-term discount rate, d ft is the fixed interest rate discount rate, determined according to the following formula (4):

[0102] d ft =d n + (d m -d n ) x (1-u) (4)

[0103] Among them, d n is the preset minimum discount rate of the fixed interest rate, d m is the preset maximum discount rate of the fixed interest rate, and u is the current capital utilization rate.

[0104] Among them, for loans with a fixed loan term, a certain fixed interest rate discount can be added to the loan interest rate (actually a floating loan interest rate) determined in the aforementioned embodiment and / or optional embodiment to obtain a more favorable loan interest rate. Among them, the fixed interest rate discount can be set with an upper and lower limit, and the discount rate can be adjusted linearly according to the change in the proportion of funds for loans with a fixed loan term to the total funds in the token fund pool. For loans with a fixed loan term, the loan interest rate can be re-determined according to formulas (3) and (4) based on the floating loan interest rate determined by the aforementioned formulas (1) and (2), wherein the preset value of each constant can be determined by the project governance voting mechanism of the blockchain. An exemplary fixed term discount rate d t , fixed interest rate minimum discount rate d n and the fixed interest rate maximum discount rate d m It can be determined through the project governance voting mechanism. Assume that they are 5% (loan term is 1 year), 10%, and 30% respectively. If the current capital utilization rate u is 50%, the floating loan interest rate r determined by the above formulas (1) and (2) is 2.5%, then the fixed interest rate discount rate d can be determined by the above formulas (3) and (4) ft The loan interest rate after the discount is 20%. x It is 1.9%, which is 0.6% lower than the original floating loan rate of 2.5%.

[0105] Among them, when the proportion of funds of loans with fixed loan terms is higher, the fixed interest rate discount rate gradually decreases, and the preferential margin of loans with fixed loan terms is reduced accordingly. Therefore, the high proportion of loans with fixed loan terms reflects the improvement of the capital utilization rate of the token fund pool, and will also lead to a corresponding increase in the loan interest rate linked to it. In this case, the lender may choose to reduce the loan amount or switch to the current loan model, and then add loans after the loan interest rate drops, and convert the current loan into a fixed loan according to demand, so as to achieve dynamic adaptive adjustment of the fixed loan interest rate. It can effectively balance the liquidity and loan interest rate level of the token fund pool, and optimize the distribution of interests between borrowers and lenders. In addition, the longer the loan term, the greater the fixed interest rate discount, which can encourage borrowers and lenders to choose long-term loans, which is more convenient for long-term account planning and risk management, and more conducive to maintaining the stability of the token fund pool.

[0106] In order to avoid affecting the income, lending experience and fund security of other users, the DeFi system can also handle the breach of contract by the borrower and the lender (for example, early redemption or liquidation) to ensure the security and liquidity of the token fund pool, while ensuring the fund security and lending experience of other users.

[0107] Optionally, if the lender and / or borrower that has successfully matched defaults on the contract, the method further comprises:

[0108] Based on the loan smart contract, a penalty paid by the lender is received, and / or based on the deposit smart contract, a penalty paid by the lender is received, wherein the penalty is determined according to the following formula (5):

[0109] m=(r f xp f +r u x (1-p f )) x M xr (5)

[0110] Among them, m is the fine, r f is the preset penalty rate for the completed deadline, r u is the preset penalty rate for unfinished deadlines, p f is the percentage of completed term, M is the amount of tokens successfully matched, and r is the loan interest rate.

[0111] The fine is distributed according to preset rules.

[0112] Among them, if the lender and / or borrower based on the successful matching breaks the contract, such as the lender redeems early or is liquidated, the lender redeems early, etc., the DeFi system will charge a penalty. If it is the lender's breach of contract, the DeFi system can receive the penalty paid by the lender through its wallet according to the loan smart contract; if it is the lender's breach of contract, the DeFi system can receive the penalty paid by the lender through its wallet according to the deposit smart contract. Among them, the penalty can be determined according to the above formula (5), and the preset value of each constant can be determined by the project governance voting mechanism of the blockchain. An exemplary, completed term penalty rate r f and the penalty rate for failure to complete the deadline r u They can be determined through the project governance voting mechanism. Assuming they are 5% and 1% respectively, if the loan term of the loan is 1 year, the loan amount M is 1000 tokens, and the loan interest rate r determined by the above formulas (1) to (4) is 2.5%, and the defaulting party defaults after 6 months, then the completed term percentage p f is 0.5, and according to the above formula (5), the penalty m can be determined to be 0.75 tokens.

[0113] Among them, the penalty distribution rules can also be preset to distribute the penalty in combination with the interests of all parties. For example, the DeFi system can distribute 50% of the current penalty to the breached party and deposit 50% into the proxy fund pool. The fixed deposit of the breached party will be re-added to the corresponding queue to be distributed.

[0114] For the lender, optionally, the lending method based on the DeFi system further includes:

[0115] Based on the deposit smart contract, the current interest income is paid to the lender, wherein the current interest income is determined according to the current income of the token fund pool.

[0116] Among them, the DeFi system also distributes current interest income to lenders based on the deposit smart contract, where the current interest income is determined based on the current income of the token fund pool.

[0117] In the above embodiment and / or optional embodiment, the current capital utilization rate of the token fund pool of the DeFi system can be determined based on the total amount of deposits and the total amount of loans in the token fund pool. In order to avoid the risk of malicious application for large loan arbitrage, optionally, the current capital utilization rate of the token fund pool can be determined based on the loan amount, the total amount of deposits and the total amount of loans in the token fund pool. As an example, the current capital utilization rate of the token fund pool can be determined using the following formula (8):

[0118] Current capital utilization rate = (total amount of loans + loan amount) / total amount of deposits (8)

[0119] In order to avoid the risk of malicious application for large loan arbitrage, the current loan amount can be included in the current capital utilization rate and determined using the above formula (8).

[0120] Through the above-mentioned embodiments and / or optional embodiments, a lending method based on the DeFi system is implemented through smart contracts to realize automated lending matching, link the loan interest rate to the current capital utilization rate of the token fund pool of the DeFi system, and provide a floating loan interest rate to improve the capital utilization rate, increase the lender's ability to obtain funds and the lender's income, maintain the balance of supply and demand in the lending market, and achieve an effective balance between liquidity and interest rates. A regular deposit and loan matching mechanism is also provided to provide further loan interest rate discounts on the basis of floating interest rates, which can better adapt to market demand, meet users' demand for interest rate stability, maximize capital utilization, reduce liquidation risks and income declines caused by interest rate fluctuations, attract users to choose long-term lending models, and enhance the stability and anti-volatility of the fund pool. A reasonable penalty mechanism is also introduced to punish breaches of contract, and the penalty is proportionally distributed to the breached party and the fund pool to ensure the security and liquidity of the fund pool, while ensuring the capital security and lending experience of other users.

[0121] According to yet another aspect of the present invention, a computer-readable medium is provided, wherein the computer-readable medium stores computer-readable instructions, and the computer-readable instructions can be executed by a processor to implement the aforementioned method.

[0122] It should be noted that the various method embodiments of the present invention can be implemented in software and / or a combination of software and hardware. The software program involved in the present invention can be executed by a processor to implement the steps or functions of the above-mentioned various embodiments. Similarly, the software program of the present invention (including related data structures) can be stored in a computer-readable recording medium.

[0123] In addition, a part of the present invention may be applied as a computer program product, such as a computer program instruction, which, when executed by a computer, can call or provide the method and / or technical solution according to the present invention through the operation of the computer. The program instruction for calling the method of the present invention may be stored in a fixed or removable recording medium, and / or transmitted through a data stream in a broadcast or other signal-bearing medium, and / or stored in a working memory of a computer device that operates according to the program instruction.

[0124] According to another aspect of the present invention, a lending device based on a DeFi system is also provided, the device comprising: a memory for storing computer program instructions and a processor for executing the program instructions, wherein when the computer program instructions are executed by the processor, the device is triggered to execute methods and / or technical solutions such as the aforementioned embodiments and / or optional embodiments.

[0125] It is obvious to those skilled in the art that the present invention is not limited to the details of the exemplary embodiments described above, and that the present invention can be implemented in other specific forms without departing from the spirit or essential features of the present invention. Therefore, from any point of view, the embodiments should be regarded as exemplary and non-restrictive, and the scope of the present invention is defined by the appended claims rather than the above description, and it is intended that all changes falling within the meaning and scope of the equivalent elements of the claims are included in the present invention. Any figure mark in the claims should not be regarded as limiting the claims involved. In addition, it is obvious that the word "comprising" does not exclude other units or steps, and the singular does not exclude the plural. Multiple units or devices stated in the device claim can also be implemented by one unit or device through software and / or hardware. The words first, second, etc. are used to indicate names, and do not indicate any particular order.

Claims

1. A lending method based on the DeFi system, characterized in that: The method comprises: Based on the loan smart contract, obtain the loan amount submitted by the authenticated lender and determine the loan interest rate based on the current capital utilization rate of the token capital pool; If the lender agrees with the loan interest rate, based on the loan smart contract, the loan request submitted by the lender is received and compliance verification is performed, wherein the loan request includes the loan amount; If the compliance verification is passed, the loan amount is paid to the lender through the loan smart contract.

2. The method according to claim 1, characterized in that Before obtaining the loan amount submitted by the authenticated lender based on the loan smart contract, the method further includes: Based on the deposit smart contract, receiving a deposit request provided by a lender that has passed identity verification and performing compliance verification, wherein the deposit request includes a deposit amount; If the compliance verification is passed, the deposit amount will be deposited into the token fund pool.

3. The method according to claim 2, characterized in that The loan interest rate is determined based on the current capital utilization rate of the token capital pool, including: According to the current capital utilization rate of the token capital pool, a floating loan interest rate is determined, and the floating loan interest rate is used as the loan interest rate, wherein, If the current capital utilization rate does not exceed the first preset threshold, the floating loan interest rate is determined according to the following formula (1): Among them, r is the floating loan interest rate, u t is the first preset threshold, r t is the preset loan interest rate corresponding to when the capital utilization rate is the first preset threshold, and u is the current capital utilization rate; If the current capital utilization rate does not exceed the second preset threshold, the floating loan interest rate is determined according to the following formula (2): Among them, r is the floating loan interest rate, u t is the first preset threshold, u m Preset threshold for borrowing, r t is the preset loan interest rate when the capital utilization rate is the first preset threshold, u is the current capital utilization rate, and n is the preset value.

4. The method according to claim 3, characterized in that If the deposit request also includes a deposit period, the method further includes: Part or all of the deposits corresponding to the deposit term are added to a to-be-matched queue corresponding to the deposit term.

5. The method according to claim 4, characterized in that The loan request also includes a loan term, and before paying the loan amount to the lender through the loan smart contract, the method further includes: According to the loan term, determine the queue to be matched corresponding to the deposit term that is the same as the loan term, and match the loan amount with the queue to be matched in order. If it is successfully matched with one or more time deposits, redetermine the loan interest rate.

6. The method according to claim 5, characterized in that The method further comprises: The time deposit is removed from the to-be-matched queue.

7. The method according to claim 5, characterized in that The re-determination of the loan interest rate includes: Determine the floating loan interest rate according to formula (1) or formula (2); The loan interest rate is determined according to the following formula (3): r x =r x(1-d ft )x(1-d t ) (3) Among them, r x is the loan interest rate, r is the floating loan interest rate, d t is the preset fixed-term discount rate, d ft is the fixed interest rate discount rate, determined according to the following formula (4): d ft =d n +(d m -d n )x(1-u) (4) Among them, d n is the preset minimum discount rate of the fixed interest rate, d m is the preset maximum discount rate of the fixed interest rate, and u is the current capital utilization rate.

8. The method according to claim 7, characterized in that If the matching successful lender and / or borrower cancels the contract, the method further includes: Based on the loan smart contract, a penalty paid by the lender is received, and / or based on the deposit smart contract, a penalty paid by the lender is received, wherein the penalty is determined according to the following formula (5): m=(r f xp f +r u x(1-p f ))x Mxr (5) Among them, m is the fine, r f is the preset penalty rate for the completed deadline, r u is the preset penalty rate for unfinished deadlines, p f is the percentage of completed term, M is the amount of tokens successfully matched, and r is the loan interest rate. The fine is distributed according to preset rules.

9. The method according to claim 2, characterized in that: The method further comprises: Based on the deposit smart contract, the current interest income is paid to the lender, wherein the current interest income is determined according to the current income of the token fund pool.

10. The method according to claim 1, characterized in that The method comprises: The current capital utilization rate is determined based on the loan amount, the total amount of deposits in the token fund pool and the total amount of loans.

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