Hundred Finance is a decentralized application (dApp) that enables the lending and borrowing of cryptocurrencies. A multi-chain protocol, it integrates with Chainlink oracles to ensure market health and stability, while specializing in providing markets for long-tail assets. Since the explosion in popularity of the decentralized finance ecosystem in 2020, borrowing and lending platforms have become core infrastructure within the cryptocurrency space. Not only do they provide users the ability to “hodl” or leverage their crypto assets, obtaining liquidity from their investment (a crypto-backed loan) while simultaneously earning interest, they also underpin the workings of other protocols. The movement of assets from the Ethereum mainnet to EVM-compatible blockchains and scaling solutions has done nothing to alter this. Platforms that grant the ability to borrow and lend are one of the key applications users look for in any emerging chain. Hundred Finance aims to play a central role in provisioning these services in the multi-chain environment that has flourished since early 2021, delivering the freedom to earn yield and borrow assets to a growing number of users in a trustless, secure and economically efficient manner. Hundred Finance first launched on Ethereum’s Kovan testnet in late-June of 2021. Following a two-month period of extensive testing, it was then launched on the Ethereum mainnet. This was quickly followed by the generation of the HND governance token. With the platform and token up and running, the Arbitrum version of the Hundred Finance dApp was deployed and the distribution of HND started. The distribution of HND is ongoing, as the broadening of its ownership and the platform’s usage is the principle means by which Hundred Finance will acquire decentralized, community governance and function as a trustless provider of borrowing and lending services.