Holdefi is a lending platform where users can hold their assets and earn interest, or they can borrow tokens and pay them back over a period of time. Like other money market protocols, Holdefi is an Ethereum-based, open-source, non-custodial DeFi protocol. Its native token HLD is designed with one main goal - to achieve decentralized governance. The HLD token is an Ethereum-based ERC20 that provides token holders with the opportunity to participate in governance. Supporting the voting authorization process, HLD token holders (and their representatives) can discuss, propose and vote on any future changes to the Holdefi protocol, such as: new assets, changes to Holdefi's specific asset requirements.