Launched on 18/11/2019 by a team-based in the United States and Nigeria. Egoras protocol aims to address issues facing microfinance sectors like high-interest rates, dependence on banks, and indebtedness. Egoras protocol uses an on-chain treasury system to make sure that Egoras protocol does not lack the funds or liquidity for the loans and these funds are governed by the people. Finally, the Egoras protocol introduces collateral lending to address over-indebtedness in the microfinance sector, small business assets will be converted to non-fungible tokens and it represents the collateral and these assets will be sold off when the borrower defaults the loan.

All loans are over collateralized by real-world assets like real estate, vehicles, and supply chain invoices. The real-world assets backing are represented as NFTs.

### How it works

By voting on Egoras, users can support causes that they care about and make an impact. 

- Connect wallet and lock EGR on Egoras lending protocol, Browse by category and find an entrepreneur to support to receive ETH voting rewards.
- EGR voters receive two kinds of rewards. Firstly, they receive EGR voting rewards, which are created through the inflationary monetary policy. Secondly, they receive ETH which is generated when the borrowers pay back the loans. EGR voters receive two kinds of rewards. Firstly, they receive EGR voting rewards, which are created through the inflationary monetary policy. Secondly, they receive ETH which is generated when the borrowers pay back loans.
- EGR holders are responsible for governing the Egoras Lending Protocol, which includes approving and declining of loans. The EGR tokens locked up during the governance process are returned to the holder 72hrs after the governance process is over.

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