Since the explosion in popularity of the decentralized finance ecosystem in 2020, borrowing and lending platforms have become core infrastructure within the cryptocurrency space. Not only do they provide users the ability to “hodl” or leverage their crypto assets, obtaining liquidity from their investments (a crypto-backed loan) while simultaneously earning interest, they also underpin the workings of many other protocols. The movement of assets from the Ethereum mainnet to EVM-compatible blockchains and scaling solutions has only emphasized their importance. Platforms that grant the ability to borrow and lend are one of the key applications users look for on any emerging chain. Hundred Finance aims to play a central role in provisioning borrowing and lending services in this new multi-chain world, granting the ability to earn yield and borrow assets to a growing number of users in a trustless, secure, and economically efficient manner.