99Defi.network is a permission-less decentralised protocol that enables lending and borrowing services through Blockchain smart contracts. 99Defi Protocol enables you to Borrow and lend in a safe and transparent way. The 99DEFI smart contract automatically matches borrowers and lenders and calculates interest rate based on the ratio of borrowed to supplied assets. One of the most innovative aspects of the DeFi platform is that 99DEFI actually calculates creditworthiness to ensure that lenders are providing access to capital for those who are serious about paying it back. One of the benefits of DeFi is that people that would normally be overlooked can get access to financial services.