Merchant Finance is a financial services platform based on Merlin blockchain that allows users to engage in peer-to-peer lending through smart contracts. The core characteristic of Merchant Finance lending platform is decentralization, meaning there is no central authority controlling or managing transactions; instead, everything is executed and managed through programmed code. Borrowers can directly obtain funds from other investors without the need for traditional financial institutions as intermediaries. This approach can reduce transaction costs, increase transaction speed, and provide broader market access. Loans are typically made in cryptocurrencies, and the terms and interest rates of the loans are automatically determined by Merchant's smart contracts