I recommend reading Compounds white paper. They are a big player and have a decentralized protocol which establishes money markets with algorithmically set inte

I recommend reading Compounds white paper. They are a big player and have a decentralized protocol which establishes money markets with algorithmically set interest rates based on supply and demand. https://compound.finance/documents/Compound.Whitepaper.pdf https://compound.finance/documents/Compound.Whitepaper.pdf