Borrowers

1. Enter loan amount (USDC), APR %, and term.
2. App shows required WBTC at the current LTV cap.
3. Create a loan request (WBTC is locked).
4. When a lender funds it, you receive USDC.
5. Repay principal + interest + protocol fee → WBTC returns to you.

Lenders

1. Browse open requests and fund the ones you like.
2. On repayment, you receive principal + interest; a flat protocol fee goes to the treasury.

This mock saves everything in your browser (localStorage). In production, wallet actions interact with smart contracts on-chain.