EQIFI is a decentralized protocol that offers pooled lending, borrowing, and investing for ETH, ERC-20 tokens, including wBTC, Stablecoins, and select fiat currencies. It provides a unified platform for DeFi products with EQIBank bank accounts, loans, custody, debit and credit cards, OTC, and wealth management.

With EQIFI, users can borrow against various assets without selling, allowing them to utilize assets in the Ethereum ecosystem without waiting for orders to close or requiring off-chain activity. Traders can employ different trading techniques, including shorting, while miners can borrow against a wide range of collateral.

The Eqifi platform consists of four main products:

1) Fixed Rate Products: These are pooled loans with a fixed interest rate that settle on a specified future date. Users provide collateral in the form of ETH, wBTC, Stablecoins, and select fiat currencies, which are converted into stablecoins. The interest rates are algorithmically set through a smart contract.

2) Variable Rate Products: These products feature algorithmic borrow rates, making the marketplace more dynamic and responsive to changes in user activity and demand. As demand for borrowing increases, the interest rates automatically rise, attracting more lenders to participate.

3) Interest Rate Swaps: This product is a DeFi forward contract where one stream of future interest payments is exchanged for another based on a specified principal amount. Interest rate swaps help mitigate the volatility of variable rate lending and certain money market products by exchanging fixed and variable interest rates.

4) Yield Aggregator: EQIFI Yield Aggregator is an automated aggregator of leading external yield farming products, simplifying and automating yield farming. It caters to both experienced DeFi and yield farming users, as well as newcomers to the sector. The platform aims to be the world's leading self-investment platform, automatically allocating capital between different liquidity pools to maximize profits and margins.