Certo Finance operates in the decentralized finance (DeFi) market, offering a peer-to-peer (P2P) lending protocol that utilizes tokenized real-world assets, specifically U.S. Treasury Bills, as collateral. The platform allows users to deposit stablecoins, such as USDT, and receive stUSD, a receipt token that represents their lent funds. These funds are then lent out to borrowers who provide overcollateralized U.S. Treasury Bills as security. This mechanism ensures that loans are highly secure and stable, with price volatility of the collateral being less than 0.5%.

The business model revolves around earning interest from these loans. Lenders receive a variable annual percentage yield (APY) based on the utilization of the lent funds. The protocol also features a liquidation mechanism to manage any potential drops in collateral value, ensuring the safety of the deposited funds.

Certo Finance serves individual and institutional investors looking for secure and stable investment opportunities in the DeFi space. The open-source nature of the protocol allows for community governance and contributions, enhancing its transparency and security.

In summary, Certo Finance provides a secure, transparent, and community-driven platform for earning interest through P2P lending backed by tokenized U.S. Treasury Bills.

Keywords: DeFi, P2P lending, stablecoins, U.S. Treasury Bills, overcollateralized loans, stUSD, tokenized assets, community-driven, variable APY, liquidation mechanism.