Hifi Lending Protocol is a loan agreement that allows anyone to borrow their cryptocurrency. Buying and selling token debt can achieve fixed interest rate lending, which is urgently needed in today's decentralized finance.Throughout the entire lending agreement, Hifi Finance (MFT) can be used to vote on governance proposals, release discounts, achieve greater capital efficiency, increase agreement rewards, and obtain additional leverage. Overall, the use of MFT, collateral rehypothecation, liquidation, and settlement strategies have reduced collateral requirements and allowed for more effective increase in leverage exposure of underlying assets.