MELD is a decentralized and trustless lending protocol built on the Cardano Blockchain using smart contracts and governed by the MELD token. It provides a fast, safe, and transparent set of tools for anyone to lend and borrow crypto and fiat currencies. MELD lends fiat currency provided by fiat lenders to borrowers that collateralize their cryptocurrency in a MELD Smart Contract. The lender receives an interest rate from secure investments, whilst the borrower can maintain their crypto positions and see them grow, which has had an average annual rate of 32% (BTC IS 196%) CAGR. We stake the collateral in community-managed liquidity pools for our revenue which is divided 50% to MELD and 50% to MELD token holders.