On Open, you can borrow upto $300 with as little as $100 as collateral. In comparison, a borrower provides a minimum collateral of $426 on Compound finance, or upto $1500 on Aave, in order to secure the same $300 loan. With Open protocol, the borrowers enjoy a minimum of 4.26x more loan against their collateral. Hashstack’s Open protocol solves two needs: Emergency cash requirements, & trading capital. Open protocol integrates different dapps to improve the loan utilisation of its borrowers as trading capital, thus becoming a layer3 enabler. Hashstack's Open protocol encourages productive lending. Productive lending is when the money is borrowed to boost personal finances. When Hashstack lends, it assumes that the borrowers use the funds productively to earn a profit so that they can repay the protocol while keeping some extra earnings to themselves. An outstanding loan is an asset for Hashstack & its depositors, while a liability (debt) to the borrower. When a loan is repaid, the assets and liabilities disappear, & the transaction is positive for both the borrower and creditor. While onchain under-collateralised loans serve as our unique value proposition, Open protocol is filled with many novel solutions such as compartmentalised deposits & loans, dual liquidation, chain switch oracle, fair price, developed with a central aim to solve critical issues within today’s defi. Discord: hashstack.community. Whitepaper: https://github.com/0xHashstack/whitepaper/blob/main/Open%20protocol/v0.2/Open%20protocol%20v0.2.7.pdf