Decentralized Finance (DeFi) offers financial instruments without relying on intermediaries such as brokerages, exchanges, or banks by using smart contracts on a blockchain.

Decentralized

Transparent

Immutable

Secure

Accessible

Rewarding

Creative

Innovative

Glocal

Inspiring

What you can do with TLN

Stake LP

Lock your Pancake generated VOW / ^v$ Liquidity Pair (LP) tokens in the TLN Smart Contract for 367 days.

Collect TLN

Your borrowing capacity (measured in TLN tokens) begins at 50% of the value of your staked VOW / ^v$ LP tokens.

Borrow ^v$

To use your borrowing capacity simply burn TLN tokens 1:1 for ^v$ loans. You'll need to post 100% VOW as collateral.
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Redeem ^v$

Use ^v$ to discount products and services at ecosystem retailers. Alternatively sell your ^v$ for market value.

The basics

FiveX

For just 18% defi borrowing cost, convert all spending to collateral

Rate

Available for free to all VOW ecosystem liquidity providers

Rates

18% rate for TLN community to access loans from other users.

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Understanding the TLN process in 5 easy steps

Stake Liquidity Pair tokens to Unlock Your Ecosystem Borrowing Capacity.

In a world where everything comes with a price tag, we all understand the need for financial flexibility. With TLN, you are not reliant on a traditional credit rating to access funds. Instead your actions unlock, and grow, a unique ecosystem borrowing capacity. The more you contribute to the stability of the ecosystem by staking your idle liquidity tokens, or referring other liquidity providers who wish to stake their liquidity tokens, the more your borrowing capacity expands

* Instead of holding your VOW / ^v$ LP tokens in your wallet, you can opt to stake them for 367 days. Staking helps stabilise the project's liquidity pools, and in return you'll gain up to 50% "borrowing capacity" within the ecosystem.

Supercharge your Borrowing Capacity.

Ever wish you could benefit from helping others? With TLN, you can! By referring friends, family, or anyone else to become a Liquidity Provider in our thriving ecosystem, you not only contribute to its growth, but also increase your own borrowing capacity. Every Liquidity Provider holds their assets under their own private key. There's nothing to sell to anyone, and no commission paid on funds received by TLN; because no funds are ever received by TLN. Your LP tokens are always locked to your wallet, and only your wallet.

* Liquidity providers who stake LP tokens begin with up to 50% ecosystem borrowing capacity. If you also refer others your borrowing capacity can grow exponentially. Its a win-win scenario where your network is your net worth.

Need to make a purchase?
TLN has you covered.

Say goodbye to the hassle of traditional loan applications. TLN offers a streamlined, interest free, decentralized borrowing process. Your borrowing capacity (measured in TLN tokens) allows you to access ^v$ ecosystem discount voucher loans whenever you need. You're attracting vital liquidity the ecosystem needs, so the ecosystem is at your service.

* To use your borrowing capacity, burn TLN tokens 1:1 for a ^v$ loan. You'll need to post 100% VOW as collateral for your loan. You can claim your VOW back from the smart contract any time within a year by repaying your ^v$ loan.

Redeem each ^v$ as $1 off at any ecosystem retailer.

Don't settle for less; get it all with TLN! ^v$ discount vouchers work at 1000's of Retailers, letting you save on what you really want. From essentials to luxuries, TLN gives you the power to live life on your own terms. You can sell ^v$ on Pancake.

* ^v$ are not gift cards, stable coins, e-money, financial instruments, stored value or asset referenced tokens. They are money off vouchers to use in participating businesses.

How are ^v$ loans loans sustainably funded?

Loans are funded by Lenders who receive 18% upside for making their capital available to you. Because loans are 100% collateralised at inception by the borrower, risk is limited to the price of underlying VOW collateral. In addition ecosystem retailers use ^v$ discount vouchers to drive sales and retain customers. When ^v$ are used for purchases within the Vow ecosystem, a small part of each transaction (1.6%) is removed from circulation. Later, some is re-minted and can be used for various purposes, including funding new ^v$ loans.

* By way of example, if ^v$10m moves around in a given month, around ^v$160,000 are re-minted and available for re-deployment. It is important to note that all borrowing and lending is conducted in a decentralized manner. No middle party exists in any transaction you make.

Some FAQs

Frequently Asked Questions, answered by the TLNcommunity for everyone's benefit.

What is the Purpose of the TLN Protocol?

This decentralized finance (DeFi) protocol was designed to provide individuals with incentives to stake their Pancake LP tokens, collect TLN, lend their assets to other users via the protocol, and borrow assets from the protocol. Users can participate in various P2P activities without the need for traditional intermediaries like banks.

How Does Staking Work in TLN Protocol?

Staking in this protocol involves locking up a certain amount of Pancake generated VOW/ ^v$ LP tokens in a smart contract. In return, users gain a borrowing capacity in the form of TLN tokens. Staking helps secure the network and provides TLN incentives to stakers who support the protocol.

What Are the Benefits of Lending in this DeFi Protocol?

Lending in this protocol allows users to lend assets to the borrowing pool in exchange for accumulating additional TLN tokens and therefore borrowing capacity.

How Does Borrowing Work, and What Collateral is Required?

Borrowing in this protocol involves users locking up 100%VOW as collateral to borrow ^v$.
The key points are:
1. Collateral is required to secure loans and minimize default risk.
2. TLN balances determines the maximum amount users can borrow relative to their collateral.
3. If the collateral value falls below the 100% threshold, there will not be a liquidation event.
4. The loan term is 1 year during which time the borrower has the exclusive right to repaying their ^v$ and unlocking their VOW collateral.
After 1 year if the loan has not been repaid by the borrower, the lender can claim the collateral. 5. Collateral is always at risk.

Is This DeFi Protocol Safe and Secure?

Safety and security are top priorities for the community. The protocol leverages blockchain technology and key-renounced-smart-contracts to enhance security. However, it's important to note that, as with all systems there are substantial risks that come with DeFi, such as smart contract vulnerabilities, market fluctuations and regulatory issues. As all liquidity provision, staking and borrowing contracts are completely decentralised many risks are mitigated, but it cannot be said that they are eliminated. Users should always exercise caution, do their research, and use best practices for managing their own crypto assets, including keeping private keys secure.

TLN protocol

Liquidity

Staking