Ethereum Credit Guild

The Credit Guild is a protocol for trust minimized pooled lending on the Ethereum network. Its goal is to scale governance to support a larger set of assets and loan terms, while minimizing third party risk. The Credit Guild adopts an optimistic or vetocratic mode of governance. A minority of GUILD holders can propose new lending terms or changes to system parameters like the interest rate split between GUILD stakers, lenders, and the surplus buffer.