Too Long; Didn't Read
Unit Protocol is a decentralized lending protocol that allows using a variety of tokens as collateral for loans. The company extends a line of credit — a cash loan, that’s backed by his stocks as collateral. In the meantime, the stocks in the portfolio continue to appreciate over time, earn dividends, etc. So by the time my friend decides to repay the loan in full and regains full custody of his stocks, they will be worth more than when he started. The solution with Crypto-loans? Borrow, don’t sell, and in fact gained more.