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Về PWN
PWN is a peer-to-peer lending protocol that accepts NFTs, ERC-20s and wrapped assets as collateral and writes each loan as a transferable NFT: the borrower locks collateral in a non-custodial vault, the lender funds it in exchange for a token representing the claim, and on default the collateral moves to the holder under preset terms. Rate, maturity and liquidation terms are fixed at quote time, so neither side depends on a pool's floating rate and no governance vote decides which collateral is listed.
It finances long-tail NFTs and small assets that pools like Aave cannot price, with PWN handing valuation to the lender in a bilateral deal; the claim NFT can then be resold for early exit. Deployments run on Ethereum, Arbitrum and Polygon. Liquidation follows the contract terms, with collateral transferred directly at maturity rather than auctioned.
In 2026, PWN's decentralized peer-to-peer lending protocol kept running, with over $10 million in cumulative volume and more than 5,000 users, supporting fixed rates, zero fees, and customizable terms. Its GitHub saw successive protocol upgrades introducing pooled experiences such as PWN Strategies.
PWN emphasizes fully permissionless, immutable, and composable lending, with liquidity drawn from pools like Aave, Morpho, and Euler.
Future strategy and roadmap: PWN plans to expand loan templates and collateral types, strengthen Chainlink price-oracle integration, and optimize the protocol experience around DAO governance and community liquidity.
Josef Je — Co-founder & CEO; Charles University graduate; joined the Ethereum Foundation in 2018; earlier co-founded education software firm Educasoft; founded peer-to-peer lending protocol PWN in 2021.
Simon Kozak — Co-founder & CTO; full-stack engineer who joined in 2021 to lead protocol development.
Steve Fau — Co-founder & Head of Product.