UwU Lend is a money market protocol on Ethereum that offers depositing and borrowing. Users earn interest on deposits and pay interest to borrow, providing the ability to free up capital against assets they are planning to hold for utilization in other investments, leveraging, or expenses. Outstanding loans are backed by more collateral than debt, known as overcollateralization, eliminating the risk of non-payment for depositors. The UwU treasury earns a small amount of fees to cover bad debt in the event of extreme volatility. Borrowers do not have a repayment schedule and there is no limit on loan duration.