2.2 Key Entities

👤 Borrower

• Requests a loan

• Locks XLM collateral

• Repays under fixed conditions

💼 Lender

• Supplies liquidity to a pool

• Earns interest

• Contributes to backstop

🛡️ Backstop Fund

• Shared reserve from:

  • 20% of all lender deposits

  • 100% of borrower collateral

🌟 TrustBridge Token (TRBT)

• Non-transferable reputation token

• Earned through successful borrowing and lending behavior

• Unlocks access to better pools

🧠 Blend Protocol

• Manages loan lifecycle

• Sets interest rates and risk rules

• Executes pool freezing