ETHLend is a decentralized lending application ( dApp ) that runs on the Ethereum network and offers secure, peer- to- peer lending agreements. Unlike other blockchain loan applications, ETHLend allows a borrower and a lender to determine essential loan details without the intervention of an intermediary. In essence, this means that a lender and a buyer can sign a loan agreement on their terms anywhere in the world. Would not it be great to live in a world where everyone has the same access to finance, or access to finance at all? This is the mission of ETHLend founder Stani Kulechov . The project was launched in May 2017 and was the first of its kind. ETHLend is part of theAave based in Switzerland , also founded by Kulechov .