RTL serves as the core utility token within the RootLend ecosystem. It plays a crucial role in the lending process, where users can use RTL as collateral when creating or securing loans on the platform. Beyond its functional role in lending, RTL is also positioned as a key incentive mechanism for the community. In line with our commitment to user engagement and platform growth, RTL will be distributed in future reward programs, including potential airdrops, to recognize and incentivize active community participation. Alternatively, you can purchase $RTL using the swap feature. As the ecosystem evolves, RTL will continue to be at the center of RootLend's utility, governance, and reward structure.

On RootLend, users can engage in P2P lending and borrowing using supported tokens through a decentralized and transparent system. The process begins when a borrower creates a loan request, specifying key details such as the loan amount, interest rate, expiry date, and the required collateral. Once submitted, another user—acting as the lender—can choose to fund the loan. Additionally, RootLend leverages an AI-powered loan evaluation system that can automatically fund eligible loan requests based on criteria such as interest rates and risk factors, ensuring faster access to funds and increased lending efficiency. The borrower's collateral is securely locked by the system for the duration of the loan. If the borrower repays the loan along with the agreed interest before the expiry date, the collateral is returned. However, if the borrower fails to repay on time, the collateral can be claimed by the lender as compensation. In the event that no lender or AI system accepts the loan, the borrower retains the right to reclaim their locked collateral.