LendFlow

Problem Statement

We've created a next-generation DeFi lending protocol that solves the critical problem of whale impact on small borrowers in decentralized lending markets. Our protocol uses dynamic orderbook matching to ensure fair pricing for all participants while integrating multiple DeFi protocols for optimal APY calculation.Key Innovation: Dynamic Borrower Classification Small Borrowers : Protected with lowest APY matching Whale Borrowers : Premium service with highest APY matching

Solution

We built LendFlow as a decentralized lending protocol combining fixed-APY orderbooks with real-time yield data. Smart contracts (in Solidity) manage lender deposits, store APY offers, and auto-match borrowers: small borrowers get the lowest APY first, while whales match from the highest. We calculate weighted APY on-chain for transparency.We integrated MakerDAO DSR and Aave v3 rates to compute a stable reference APY, using a hybrid formula + EWMA smoothing to avoid volatility. The frontend uses Next.js, TailwindCSS, wagmi/ethers.js, and Recharts for a clean dashboard with real-time APY charts, orderbook views, and borrow/lend flows.A notable hack: a dual matching engine that switches based on borrower size and a range-bound APY guardrail using oracle data, ensuring fair pricing and predictable yields.