Why Choose This Project?

Traditional lending platforms are controlled by banks or financial institutions with high-interest rates, slow approval, and limited access. A blockchain-powered P2P Lending Platform eliminates intermediaries, enabling secure, fast, and transparent loans between users using smart contracts.

This DeFi platform lets users lend or borrow digital assets directly, with collateral, interest rates, and loan terms encoded in smart contracts — ensuring trustless execution and full transparency.

What You Get

•  Full Source Code (Frontend + Backend + Smart Contracts)

• Fully functional lender and borrower dashboards

• Smart contracts for loan creation, funding, repayment

• Wallet authentication & transaction integration

• Loan escrow system via smart contracts

• Admin tools for monitoring

• Complete setup documentation

Built With Modern Tech Stack

Market-Ready Features

Decentralized Lending

• Borrowers submit loan requests with amount, duration, interest rate

• Lenders fund full/partial loans via smart contract

Smart Contract Escrow

• Funds locked in smart contract until loan terms are fulfilled

• Prevents misuse and ensures repayment logic

Automated Interest & Repayment

• Smart contracts calculate interest

• Automatic tracking of repayment dates and penalties

User Roles

• Borrowers: Request loans, upload collateral if required

• Lenders: View open loan requests, fund loans, earn interest

Wallet-Based Login

• MetaMask wallet authentication

• Transactions authorized via user wallet

Real-Time Loan Marketplace

• Display of loan listings, status, returns, and repayment dates

Transaction History

• Users can view full loan and repayment history on-chain

Security Features

• Time locks, capped loan amounts, interest boundaries

• Contract protected from reentrancy and overflow vulnerabilities

Working Flow (Short Version)

1. User Connects Wallet
    Lender or borrower logs in via MetaMask

2. Borrower Creates Loan Request
   Inputs amount, interest rate, repayment period

3. Lender Funds Loan
   Loan is partially or fully funded via smart contract

4. Funds Transferred via Escrow
   Borrower receives loan from smart contract; timer starts

5. Repayment by Borrower
   Repays principal + interest to smart contract

6. Lender Withdraws
   Lender gets back funds with interest after contract validation

7. Admin Panel
   For stats, monitoring defaults, and analytics