Defi For You, based in the UK, is the first platform to develop peer-to-peer lending, where users can submit and receive loans using cryptocurrencies or NFT as collateral. Users can also make and borrow encrypted loans, and the terms are stored in an irrefutable smart contract. Instead of sitting back and waiting for digital currencies or NFT to appreciate, people can use them as collateral to take out loans and sell them at a higher price. This is a tried-and-true way to grow assets, rather than waiting for them to slowly rise in value.