Certo

Certo is a P2P lending protocol designed to be used in conjunction with tokenized real-world assets in the form of U.S. Treasury bonds. Any user can add USDT or USDC to the protocol in exchange for stUSD as a reward. On the other hand, the protocol lends out this liquidity, using tokenized U.S. Treasury bonds as collateral, and pays interest to the stUSD holders through a rebasing mechanism.