---
# System prepended metadata

title: 'Whitepapers [Inspiration only, not to be cited'

---

# Whitepapers [Inspiration only, not to be cited
- [Unsecured loans on the chain](https://goldfinch.finance/goldfinch_whitepaper.pdf)
- [OG lending and borrowing on crypto](https://compound.finance/docents/Compound.Whitepaper.pdf)
- [OG Degen lending and borrowing on crypto](https://github.com/aave/aave-protocol/blob/master/docs/Aave_Protocol_Whitepaper_v1_0.pdf)
- [Fixed APY,maturity permisionless lending borrowing - Timeswap](https://timeswap.io/whitepaper.pdf)
- [Fixed APY,maturity oracle based lending borrowing - Notional finance](https://docs.notional.finance/developers/whitepaper/whitepaper)
- [Stable coin tether - USDT paper](https://tether.to/wp-content/uploads/2016/06/TetherWhitePaper.pdf) 

# Reads
- https://cryptoeconomicsystems.pubpub.org/
- https://www.leewayhertz.com/how-defi-lending-works/
- https://blog.coinbase.com/a-beginners-guide-to-decentralized-finance-defi-574c68ff43c4
# Citable
- [Blockchain base](https://sci-hub.hkvisa.net/10.1109/ICITSI.2018.8695939)
- [Credit analysis framework](https://sci-hub.hkvisa.net/10.23919/ICACT.2019.8701926)
- [Credit Recommender ](https://sci-hub.hkvisa.net/10.1109/TNSE.2020.3005678)
- [Credit Score foundations](https://sci-hub.hkvisa.net/10.1016/j.jebo.2011.05.005)
- [Credit and SME Financing on chain](https://sci-hub.hkvisa.net/10.1007/s11135-018-0806-6)
- [Defi protocol for Loanable funds](https://sci-hub.hkvisa.net/https://dl.acm.org/doi/abs/10.1145/3419614.3423254)
- [Fintech - whats new](https://sci-hub.hkvisa.net/https://www.sciencedirect.com/science/article/abs/pii/S157230892030139X?via%3Dihub)
- [Blockchain disruption and DeFi](https://sci-hub.hkvisa.net/10.1016/j.jbvi.2019.e00151)
- [Improving lending,monitoring blah blah using blockchain](https://sci-hub.hkvisa.net/10.1109/Cybermatics_2018.2018.00211)
- 