Lending is one core pillar of the economy, enabling one person or company to be entrepreneurial with someone else's capital. However, in the traditional banking system processes in lending are often opaque and the barrier to entry into this market is high. The emergence of easy to use Decentralized Finance is one of the hallmarks of 2018: To date, DeFi has brought us crypto-collateralized stable coins, decentralized exchanges, tokenized credit default swaps, trustless derivatives, and decentralized margin lending. We're joined Nadav Hollander, co-founder and president of Dharma. Dharma is a decentralized protocol for credit products which connects debtors with creditors through a transparent mechanism. The protocol itself is agnostic towards the collateral and terms used, however, the team recently introduced a crypto-collateralized margin lending application running on top of the Dharma protocol, Dharma Lever. Topics discussed in this episode:Nadav's background and how he became interested in both blockchain technology and debtThe vision behind distributed lendingThe mechanics of the Dharma protocolThe role of underwriters in the Dharma protocolDharma lever, an application for margin lending on the Dharma protocolDharma's business modelThe future of decentralized finance Links mentioned in this episode: DharmaDharma LeverIntroducing Dharma Lever (article)Request For Blockchain Lending Startups (article)Current and Future Approaches to Unsecured Lending in Dharma Protocol (article)Dharma protocol: Debt & Liquidity for ETH (video) Sponsors: Azure: Deploy enterprise-ready consortium blockchain networks that scale in just a few clicks Support the show, consider donating: BTC: 1CD83r9EzFinDNWwmRW4ssgCbhsM5bxXwg (https://epicenter.tv/tipbtc)BCC: 1M4dvWxjL5N9WniNtatKtxW7RcGV73TQTd (http://epicenter.tv/tipbch)ETH: 0x8cdb49ca5103Ce06717C4daBBFD4857183f50935 (https://epicenter.tv/tipeth) This episode is also available on :Epicenter.tvYouTubeSouncloud Watch or listen, Epicenter is available wherever you get your podcasts. Epicenter is hosted by Brian Fabian Crain, Sƒbastien Couture, Meher Roy & Sunny Aggarwal.