I've been doing some reading and some research and I found something called Relend Network.

Relend Network was created because one of the things the crypto world doesn't have that the banking world does are fractional reserves.

It gets a bit technical, but it's important, and it raises a good point.

Banks - as in, traditional banks - use fractional reserves and re-lend money all the time.

That's exactly what Relend wants to do in crypto.

They even created an ad hoc standard for it.

They call it the Fractional Reserve Token Standard -  ERC-7770.

Funds deposited into the network are automatically allocated as reserves and users receive yield for it.

It's interesting that so many crypto players are now trying to emulate what banks do, when crypto was created exactly to get away from banks.

But that's probably a different conversation altogether, isn't it?