# 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
