EasyFi is a universal layer 2 lending protocol that was built for DeFi. It has been designed as an open network infrastructure to run on public networks to facilitate an end to end lending and borrowing of digital assets. Cross-chain asset settlements are possible on the EasyFi network. The network design is compatible with ethereum and can be used to settle assets over different networks. Private platforms and permissionless public networks can be used for lending and borrowing.