SEAL DeFi DApp includes two major functions, deposit and borrow. Borrowers can lend stablecoins by pledge cryptos (such as SEAL) to obtain certain asset liquidity. Investors obtain stable and high interest returns by depositing USDT. The processes of deposit, settlement and liquidation are all automatically executed through smart contracts. The interest rate of deposits is determined by market supply and demand and market liquidity and is automatically calculated by smart contracts. The decentralized model ensures absolute openness, transparency and security of funds and transactions.